ST. JAMES'S PLACE UK PLC
Operating as the principal life insurance subsidiary of the FTSE 100-listed St. James's Place plc group, the company provides face-to-face financial advice, wealth management, and life insurance products.
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Cash
—
Latest balance sheet
Net assets
£255M
lowest in 4 filed years
Employees
—
Average over period
Profit before tax
£1.1B
Period ending 2025-12-31
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
Net assets
4-year trend · vs Financials median
Accounts
4-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2024-06-30 | 2024-12-31 | 2025-06-30 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|---|
| Gross written premiums | — | — | — | — | — | |
| Net earned premiums | — | £14,300,000 | — | £13,200,000 | — | |
| Claims incurred | — | £14,400,000 | — | £11,700,000 | — | |
| Investment return | — | £14,280,300,000 | — | £18,253,700,000 | — | |
| Profit before tax | £543,600,000 | £969,700,000 | £405,900,000 | £1,065,000,000 | — | |
| Net profit | £147,000,000 | £350,200,000 | £201,300,000 | £320,800,000 | — | |
| Insurance contract liabilities | — | £148,000,000 | — | £148,500,000 | — | |
| Total assets | £124,342,300,000 | £130,553,600,000 | £136,279,900,000 | £151,009,500,000 | — | |
| Total liabilities | — | £130,089,500,000 | — | £150,754,600,000 | — | |
| Equity | £261,000,000 | £464,100,000 | £315,400,000 | £254,900,000 | — | |
| Average employees | — | — | — | — | — |
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 —. Year-on-year comparison hidden: this filing covers about 12 months versus 6 months prior. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-06-30 | 2024-12-31 | 2025-06-30 | 2025-12-31 |
|---|---|---|---|---|---|
| Net margin | 20.3% | 26.2% | 34.7% | — | |
| Gearing (liabilities / total assets) | 99.8% | 99.6% | 99.8% | 99.8% | |
| Current ratio | 0.84x | 1.04x | 0.99x | — |
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 2 times since incorporation
- ST. JAMES'S PLACE UK PLC 2002-07-01 → present
- J. ROTHSCHILD ASSURANCE PLC 1991-09-17 → 2002-07-01
- SUMNER WILSON LIMITED 1991-07-04 → 1991-09-17
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The going concern basis has been adopted in preparing these Financial Statements. The Company's business activities, together with the factors likely to affect its future development, performance and position are set out above on pages 7 to 9. As a result of its review, the Board concluded that it was reasonable to expect the Company to continue to operate for a period of at least 12 months from the date of approval of the Financial Statements.”
Group structure
- ST. JAMES'S PLACE UK PLC · parent
- St. James's Place International (Hong Kong) Limited 100%
Significant events
- “SJP implemented changes to its charge structure in August 2025, to introduce Simple, Comparable Charging across the Group. These changes included the disaggregation of charges into separate components for advice, product and platform administration and investment management, as well as rebalancing charges.”
- “The Group successfully implemented Simple, Comparable Charging structure in the second half of 2025, with the launch of fundamental changes to SJP's charging structure across the Group. This was the culmination of almost two years of complex change activity, with a strong focus on risk management, robust governance and effective change-management arrangements to manage the level of associated risk.”
- “During the year a corporate restructure took place resulting in the entity becoming a directly owned subsidiary of the ultimate parent, St. James's Place plc.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 42 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ST. JAMES'S PLACE CORPORATE SECRETARY LIMITED | Corporate Secretary | 2014-10-07 | — | — |
| HITCHINS, John Charles Fortescue | Director | 2022-03-01 | Feb 1955 | British |
| KNAPP, Edward Stephen | Director | 2025-09-01 | Nov 1983 | British |
| MACKENZIE, Ian Donald | Director | 2016-02-08 | Aug 1971 | Scottish |
| O'RIORDAN, Anthony | Director | 2021-07-26 | Jan 1966 | Irish |
| WOODD, Charles Frederick Basil | Director | 2016-02-08 | Nov 1971 | British |
Show 42 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| GLADMAN, Hugh John | Secretary | 1994-12-13 | 2001-03-19 |
| TAPPING, Adele | Secretary | 1994-06-20 | 1994-12-13 |
| THOMAS, Derek John | Secretary | — | 1994-06-20 |
| ST JAMES'S PLACE ADMINISTRATION LIMITED | Corporate Secretary | 2001-03-19 | 2014-10-07 |
| BAILEY, Charles Howard | Director | 1999-09-06 | 2003-12-15 |
| BATCHELOR, Adrian Harold | Director | 1997-08-01 | 2009-03-30 |
| BELLAMY, David Charles | Director | 1993-10-01 | 2016-02-08 |
| BRADSHAW, Paul Richard | Director | — | 1994-06-20 |
| BURKE, Dominic James | Director | 2022-11-01 | 2024-01-31 |
| CARBY, Keith Arthur | Director | — | 1997-07-04 |
| CHATTERTON, Robin | Director | 2005-06-27 | 2008-05-30 |
| CORNISH, Iain Charles Andrew | Director | 2018-11-28 | 2021-05-14 |
| CROFT, Andrew Martin | Director | 2003-06-20 | 2021-05-19 |
| CROSBY, James Robert | Director | — | 1994-01-11 |
| DAVIS, Lionel Adrian | Director | 1993-10-01 | 1996-03-01 |
| FRASER, Simon William David | Director | 2024-04-22 | 2025-05-13 |
| GASCOIGNE, Ian Stewart | Director | 1997-08-01 | 2016-02-08 |
| GENTLE, Craig Gordon | Director | 2018-01-01 | 2018-11-28 |
| GIBSON, Clive Patrick, The Honourable | Director | 1994-02-28 | 1996-03-15 |
| GLADMAN, Hugh John | Director | 1997-08-01 | 2011-12-31 |
| GRAVESTOCK, Michael Robert | Director | 2004-01-01 | 2009-03-27 |
| GRAVESTOCK, Sonia | Director | 2003-01-01 | 2009-03-19 |
| GUPTA, Ashok Kumar | Director | 1994-02-02 | 1997-11-24 |
| HILARY, Rosemary | Director | 2020-09-11 | 2025-12-31 |
| JEFFREYS, Simon John Lewis | Director | 2022-03-01 | 2023-05-18 |
| LAMB, David John | Director | 1997-08-01 | 2016-02-08 |
| LOEHNIS, Anthony David | Director | 1993-02-01 | 2003-12-15 |
| LUND, Mark Joseph | Director | 2004-01-05 | 2007-01-04 |
| MCMAHON, Jonathan Neil | Director | 2016-02-08 | 2018-11-28 |
| MOULE, Martin David | Director | 1997-12-01 | 2003-06-20 |
| NEWMAN, John Anthony | Director | 1993-10-01 | 2003-06-30 |
| NICOLSON, Roy Macdonald | Director | — | 1997-11-20 |
| PARRY, Trefor Wyn | Director | 1993-10-01 | 1997-05-11 |
| ROTHSCHILD, Nathaniel Charles Jacob, Lord | Director | — | 1996-01-26 |
| STAFFORD DEITSCH, Andrew | Director | — | 1993-01-25 |
| STEVENSON, Henry Dennistoun, The Lord | Director | — | 1997-11-28 |
| TAUBE, Nils Otto | Director | — | 1994-02-28 |
| TONKS, William Peter | Director | 2005-02-21 | 2011-12-31 |
| WEINBERG, Mark Aubrey, Sir | Director | — | 2004-09-01 |
| WILLIAMS, Stephen Paul | Director | 1997-08-01 | 2008-05-30 |
| WILSON, Michael Sumner | Director | — | 2011-05-23 |
| YATES, Roger Philip | Director | 2022-03-01 | 2023-05-18 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| St. James's Place Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2025-05-22 | Active |
| St. James's Place Wealth Management Group Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2025-05-22 |
Filing timeline
Last 20 of 263 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-07-02 | RP01AP01 | officers | Replacement filing of director appointment with name | |
| 2026-06-08 | AA | accounts | Accounts with accounts type full | |
| 2026-01-02 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-04 | CH01 | officers | Change person director company with change date | |
| 2025-09-01 | AP01 | officers | Appoint person director company with name date | |
| 2025-08-14 | AA | accounts | Accounts with accounts type interim | |
| 2025-06-26 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-06-25 | CH01 | officers | Change person director company with change date | |
| 2025-06-25 | CH01 | officers | Change person director company with change date | |
| 2025-06-10 | AA | accounts | Accounts with accounts type full | |
| 2025-05-28 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-05-28 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-05-13 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-08 | CH01 | officers | Change person director company with change date | |
| 2024-06-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-03 | AA | accounts | Accounts with accounts type full | |
| 2024-04-26 | AP01 | officers | Appoint person director company with name date | |
| 2024-02-13 | TM01 | officers | Termination director company with name termination date | |
| 2023-06-19 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 1
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.