SCOTTISH FRIENDLY INSURANCE SERVICES LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-07-26 (in 2mo)
Last made up 2025-07-12
Watchouts
None on the register
Cash
£1M
-36.5% vs 2023
Net assets
£681K
+1.6% vs 2023
Employees
0
Average over period
Profit before tax
£14K
+180% vs 2023
Name history
Renamed 1 time since incorporation
- SCOTTISH FRIENDLY INSURANCE SERVICES LIMITED 1996-11-05 → present
- COG INSURANCE SERVICES LIMITED 1988-08-24 → 1996-11-05
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £30,000 | £30,000 | |
| Operating profit | -£12,000 | -£11,000 | |
| Profit before tax | £5,000 | £14,000 | |
| Net profit | £4,000 | £11,000 | |
| Cash | £1,588,000 | £1,008,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | £670,000 | £681,000 | |
| Equity | £670,000 | £681,000 | |
| Average employees | 0 | 0 | |
| Wages | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | -40.0% | -36.7% | |
| Net margin | 13.3% | 36.7% | |
| Current ratio | 1.71x | 2.91x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Board is satisfied that it is appropriate for the company to draw up financial statements on the going concern basis. Further information can be found in note 1 of the financial statements.”
Significant events
- “Turnover for the year stayed the same at £30k. Interest receivable increased to £25k (2023: £17k). Profit for the year after taxation was £11k (2023: £4k). No dividend was declared in 2024 (2023: £Nil). Directors consider these to be the key performance indicators.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 24 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| SIMMONS, Pamela | Secretary | 2021-05-25 | — | — |
| MCGEE, Stephen James | Director | 2022-04-27 | Oct 1973 | British |
| MCNEILL, Scott Raymond | Director | 2025-01-01 | Dec 1986 | British |
| RANKINE, Alan James | Director | 2023-01-01 | Oct 1985 | British |
Show 24 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ELSTON, David Aiken | Secretary | 2011-07-01 | 2016-05-04 |
| GALBRAITH, James | Secretary | 2016-05-04 | 2016-09-13 |
| MCBAIN, Fiona Catherine | Secretary | 1999-02-01 | 2005-12-31 |
| MEIKLE, Ian Macrae | Secretary | 1988-08-24 | 1998-06-29 |
| PRINGLE, Martin | Secretary | 2016-09-13 | 2021-05-25 |
| SAXBY, Colin Edgar | Secretary | 2006-01-01 | 2011-02-04 |
| THOMSON, Robert Glen | Secretary | 1998-06-29 | 1999-02-01 |
| AITON, William Elder | Director | — | 1996-01-05 |
| BALFOUR, Anja Maria | Director | 2022-04-27 | 2024-09-25 |
| BECKETT, Susan Lesley | Director | 2022-04-27 | 2024-09-25 |
| CARRICK, Gilmour Mclintock | Director | 1988-08-24 | 1990-03-14 |
| FORBES, Alexander Douglas | Director | 1988-08-24 | 2005-12-31 |
| GALBRAITH, James | Director | 2006-08-24 | 2021-04-07 |
| GILCHRIST, Archibald | Director | 1988-09-22 | 1996-01-05 |
| HUNTLEY, David Charles | Director | 2020-01-01 | 2024-04-24 |
| LUSCOMBE, Kerr | Director | 2017-02-01 | 2022-04-27 |
| MCBAIN, Fiona Catherine | Director | 2006-01-01 | 2016-12-22 |
| MCGUIGAN, John Gerald | Director | 2024-02-21 | 2024-09-25 |
| PRINGLE, Martin John | Director | 2021-05-25 | 2022-10-31 |
| SMITH, Samuel Martin | Director | 1988-09-22 | 1996-01-05 |
| THOMSON, Robert Glen | Director | 1996-01-05 | 2005-12-31 |
| WALKER, Michael John | Director | 2009-01-01 | 2020-05-27 |
| WEBSTER, Graham Hodge | Director | 2006-01-01 | 2009-01-07 |
| WRIGHT, David | Director | 1988-09-22 | 1995-01-05 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Scottish Friendly Assurance Society Limited | Corporate entity | Shares 75–100%, ownership-of-shares-75-to-100-percent-as-trust, ownership-of-shares-75-to-100-percent-as-firm, Voting 75–100%, voting-rights-75-to-100-percent-as-trust, voting-rights-75-to-100-percent-as-firm, Appoints directors, right-to-appoint-and-remove-directors-as-trust, right-to-appoint-and-remove-directors-as-firm, significant-influence-or-control-as-trust, significant-influence-or-control-as-firm | 2016-07-14 | Active |
Filing timeline
Last 20 of 156 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-25 | AGREEMENT2 | other | Legacy | |
| 2025-07-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-30 | AA | accounts | Accounts with accounts type full | |
| 2025-01-06 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-27 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-27 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-27 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-10 | AA | accounts | Accounts with accounts type full | |
| 2024-04-26 | TM01 | officers | Termination director company with name termination date | |
| 2024-02-21 | AP01 | officers | Appoint person director company with name date | |
| 2023-07-17 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-07-17 | AA | accounts | Accounts with accounts type full | |
| 2023-01-06 | AP01 | officers | Appoint person director company with name date | |
| 2022-11-08 | TM01 | officers | Termination director company with name termination date | |
| 2022-07-22 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-05-27 | CH01 | officers | Change person director company with change date | |
| 2022-05-16 | AA | accounts | Accounts with accounts type full | |
| 2022-05-13 | AP01 | officers | Appoint person director company with name date | |
| 2022-05-13 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
0%
£30,000 £30,000
-
Cash
-36.5%
£1,588,000 £1,008,000
-
Net assets
+1.6%
£670,000 £681,000
-
Employees
—
Not reported
-
Operating profit
+8.3%
-£12,000 -£11,000
-
Profit before tax
+180%
£5,000 £14,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers