LLOYDS BANK INSURANCE SERVICES LIMITED
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Cash
£59m
+46.1% highest in 3 filed years
Net assets
£41m
+48.6% highest in 3 filed years
Employees
0
Average over period
Profit before tax
£18m
+29.4% highest in 3 filed years
Net assets
3-year trend · vs Financials median
LLOYDS BANK INSURANCE SERVICES LIMITED·Financials median
LLOYDS BANK INSURANCE SERVICES LIMITED·Financials median
LLOYDS BANK INSURANCE SERVICES LIMITED·Financials median
LLOYDS BANK INSURANCE SERVICES LIMITED·Financials median
LLOYDS BANK INSURANCE SERVICES LIMITED·Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £27,282,000 | £26,936,000 | £31,158,000 | +15.7% | |
| Operating profit | — | £13,817,000 | £17,886,000 | +29.4% | |
| Profit before tax | £16,429,000 | £13,817,000 | £17,886,000 | +29.4% | |
| Net profit | £12,549,000 | £10,358,000 | £13,414,000 | +29.5% | |
| Cash | £40,202,000 | £40,439,000 | £59,084,000 | +46.1% | |
| Total assets less current liabilities | — | — | — | — | |
| Net assets | £37,225,000 | £27,583,000 | £40,997,000 | +48.6% | |
| Equity | £37,225,000 | £27,583,000 | £40,997,000 | +48.6% | |
| Average employees | 0 | 0 | 0 | — | |
| Wages | — | — | — | — | |
| Directors' remuneration | £1,036,859 | £2,837,157 | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | — | 51.3% | 57.4% | |
| Net margin | 46.0% | 38.5% | 43.1% | |
| Gearing (liabilities / total assets) | 60.1% | 71.5% | 63.0% | |
| Current ratio | — | 1.20x | 1.39x |
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.
Name history
Renamed 3 times since incorporation
- LLOYDS BANK INSURANCE SERVICES LIMITED 2013-09-23 → present
- LLOYDS TSB INSURANCE SERVICES LIMITED 1998-11-02 → 2013-09-23
- LLOYDS BANK INSURANCE SERVICES LIMITED 1977-12-31 → 1998-11-02
- E.R.C. NOMINEES LIMITED 1969-12-16 → 1977-12-31
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors are satisfied that the Company has adequate resources to continue in business for the foreseeable future. Accordingly, the financial statements of the Company have been prepared on a going concern basis.”
Group structure
- LLOYDS BANK INSURANCE SERVICES LIMITED · parent
- Cavendish Online Limited 100%
Significant events
- “A key area of Board discussion in 2025 was management actions and supplier engagement to deliver improvements in the Company's customer claims experience and this remains a central focus of Board oversight into 2026.”
- “The proposed rollout of a fully online claims management service will allow eligible customers to receive claims payouts without any manual intervention, improving the speed and simplicity of the customer experience.”
- “In 2025, the Board provided oversight for the development, launch, and optimisation of several significant product partnerships within the Company's Motor, Pet, and Health Insurance propositions. Notably, the Board supervised the transition to a new motor insurance underwriting partner, Axa, in May 2025, as well as closely monitored the performance of recently introduced offerings - Pet Insurance in collaboration with Agria and Health Insurance in partnership with Vitality.”
- “On 14th November 2025, the Board approved a Resolution to reduce the share capital of the Company to £1 by cancelling and extinguishing 13,599,999 ordinary shares of £1.00 each. The amount has been credited to retained earnings.”
- “The Group has an open matter in relation to a claim for group relief of losses incurred in its former Irish banking subsidiary, which ceased trading on 31 December 2010. In January 2025, the First Tier Tribunal concluded in favour of HMRC. The Group appealed to the Upper Tax Tribunal.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 60 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MATTHEW, Heather Jane | Secretary | 2026-02-13 | — | — |
| LENNON, Veronica | Director | 2023-05-03 | Nov 1975 | British |
| MESSENGER, Rachel Anne | Director | 2024-12-21 | May 1982 | British |
| WARD, Jeremy Andrew | Director | 2024-02-15 | Aug 1974 | British |
Show 60 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DONALDSON, Graeme John | Secretary | 2022-10-06 | 2024-07-29 |
| GRACEY, Natalie Clarice | Secretary | 2018-11-23 | 2022-03-24 |
| MAYER, Sally | Secretary | 2011-07-14 | 2013-02-08 |
| MAYER, Sally | Secretary | 2011-02-02 | 2011-05-20 |
| MAYER, Sally | Secretary | 2009-05-15 | 2010-03-31 |
| MCKAY, Karen Joanne | Secretary | 2022-03-24 | 2022-10-06 |
| MEACHAM, Jayne Michelle | Secretary | 2010-03-31 | 2011-02-02 |
| SLATTERY, Sharon Noelle, Mrs. | Secretary | 1998-06-01 | 2009-05-15 |
| STEWART-HART, Kathryn | Secretary | 2024-07-29 | 2026-02-13 |
| TASKER, Raymond Gordon | Secretary | — | 1998-06-01 |
| WATTS, Paula | Secretary | 2011-05-20 | 2011-07-14 |
| YUILLE, Alan David | Secretary | 2013-02-08 | 2018-11-15 |
| BATY, George Andrew Inglis | Director | — | 1993-06-28 |
| BEAVEN, Richard Labassee | Director | 2011-02-02 | 2014-09-25 |
| BRIGGS, Andrew David | Director | 2010-04-20 | 2011-05-20 |
| BULLOCH, Robert James Mackenzie | Director | 2011-05-20 | 2012-12-31 |
| CANNIFFE, Michael | Director | 2007-11-09 | 2011-12-31 |
| CHRISTOPHERS, Michael | Director | 2011-01-24 | 2011-12-31 |
| COX, Martin Edward | Director | — | 1997-07-31 |
| CRACKNELL, Kevin Philip | Director | 2011-10-24 | 2012-07-31 |
| FILLERY, Graham Winston | Director | 2000-02-07 | 2003-02-07 |
| FLENK, Victoria | Director | 2023-05-03 | 2024-06-07 |
| FORSTER, Lindsay Karen | Director | 2009-05-15 | 2011-12-31 |
| FURNELL, Simon Peter | Director | 2005-11-24 | 2007-03-16 |
| GALJAARD, Neil Edward | Director | 2004-03-01 | 2007-04-21 |
| GIBBS, Keith George | Director | 2000-02-07 | 2000-06-16 |
| GREEN, Janet Anne | Director | 2003-02-07 | 2005-12-31 |
| GREEN, Martyn Paul | Director | 2005-11-24 | 2009-05-15 |
| HAM, Christopher Anthony | Director | 2005-02-22 | 2010-04-30 |
| HARGREAVES, Simon James | Director | 2004-06-07 | 2007-12-07 |
| HARRIS, Rosemary | Director | 2011-05-20 | 2012-02-29 |
| HARRISON, James Lee | Director | 2024-05-23 | 2026-02-12 |
| HILLMAN, James Christopher Steuart | Director | 2018-07-20 | 2019-12-03 |
| HOLT, Dennis | Director | 1998-05-01 | 2000-02-07 |
| HUBBARD, Peter John | Director | 1998-05-01 | 2000-02-07 |
| HUGHES, Stephen James | Director | 2008-10-02 | 2011-10-11 |
| JONES, Neal Leonard | Director | 2002-10-14 | 2003-09-12 |
| JONES-EVANS, Sally Ann | Director | 2000-06-16 | 2002-08-31 |
| KANE, Archibald Gerard | Director | 2010-02-02 | 2011-05-20 |
| LEIPER, Jacqueline | Director | 2015-02-09 | 2019-03-14 |
| LENMAN, Alasdair Bruce | Director | 2006-01-03 | 2010-03-31 |
| LONEY, Philip Duncan | Director | 2003-09-01 | 2010-03-31 |
| MARAN, Stephen Andrew | Director | — | 1998-05-01 |
| MITCHELL, Michael Frederick | Director | 2000-06-16 | 2003-12-31 |
| PAIN, Jonathan Charles | Director | 2000-02-07 | 2003-04-30 |
| PARSONS, Andrew Mark | Director | 2012-11-09 | 2015-03-17 |
| PHYTHIAN, John Mark | Director | 2020-11-27 | 2022-09-23 |
| QUINN, Sean Carl | Director | 2019-12-09 | 2023-05-03 |
| SAMPSON, Colin John | Director | — | 1997-02-28 |
| SHERIFF, Andrew | Director | 1997-07-31 | 1998-05-01 |
| SHEWRY, Thomas David | Director | 2014-09-23 | 2017-12-20 |
| SPARKS, Paul John | Director | — | 1993-06-28 |
| STAPLES, Martin Kenneth | Director | 2019-03-14 | 2022-12-31 |
| STEWART, Gregor Ninian | Director | 2012-02-28 | 2012-10-05 |
| STODDARD, David Antony John | Director | 2007-05-18 | 2010-06-30 |
| STRAUSS, Toby Emil | Director | 2013-02-08 | 2013-07-01 |
| STUART, Ian Charles Robert | Director | 2011-03-16 | 2011-12-31 |
| TASKER, Raymond Gordon | Director | 1997-02-28 | 2005-01-31 |
| THORNTON, Craig James | Director | 2013-06-11 | 2024-02-15 |
| VAN DELM, Rudi Annie Maurice | Director | 2009-05-15 | 2011-10-14 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Lloyds Bank General Insurance Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2024-07-10 | Active |
| Lloyds Bank General Insurance Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2024-07-10 |
Filing timeline
Last 20 of 296 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-11-20 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-03 | TM01 | officers | Termination director company with name termination date | |
| 2026-08-03 | AP01 | officers | Appoint person director company with name date | |
| 2026-07-06 | AA | accounts | Accounts with accounts type full | |
| 2026-06-23 | AP01 | officers | Appoint person director company with name date | |
| 2026-02-16 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-16 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-02-16 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-11-20 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2025-11-20 | SH20 | capital | Legacy | |
| 2025-11-20 | CAP-SS | insolvency | Legacy | |
| 2025-11-20 | RESOLUTIONS | resolution | Resolution | |
| 2025-11-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-06 | RP01CS01 | confirmation-statement | Replacement filing of confirmation statement with made up date | |
| 2025-10-06 | RP01CS01 | confirmation-statement | Replacement filing of confirmation statement with made up date | |
| 2025-06-26 | AA | accounts | Accounts with accounts type full | |
| 2025-03-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-01-08 | CH01 | officers | Change person director company with change date | |
| 2025-01-02 | AP01 | officers | Appoint person director company with name date | |
| 2024-12-04 | CH01 | officers | Change person director company with change date | |
| 2024-12-04 | CH03 | officers | Change person secretary company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 14
- Capital events
- 2
- Officers appointed
- 1
- Officers resigned
- 2
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.