CLEAR INSURANCE MANAGEMENT LIMITED
Get an alert when CLEAR INSURANCE MANAGEMENT LIMITED files next
Leroy will email you the moment a new filing lands at Companies House — one short note per filing, nothing else.
Cash
£6.7m
+22.5% highest in 3 filed years
Net assets
£49m
+50.1% highest in 3 filed years
Employees
697
+21.4% highest in 3 filed years
Profit before tax
£16m
+55.7% highest in 3 filed years
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-10-31
| Metric | Trend | 2023-10-31 | 2024-10-31 | 2025-10-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £41,283,000 | £63,162,000 | £80,105,000 | +26.8% | |
| Operating profit | £4,805,000 | £9,746,000 | £15,408,000 | +58.1% | |
| Profit before tax | £5,027,000 | £10,488,000 | £16,331,000 | +55.7% | |
| Net profit | £5,016,000 | £10,569,000 | £16,340,000 | +54.6% | |
| Cash | £3,672,000 | £5,466,000 | £6,697,000 | +22.5% | |
| Total assets less current liabilities | £22,240,000 | £32,728,000 | £49,059,000 | +49.9% | |
| Net assets | £22,062,000 | £32,631,000 | £48,971,000 | +50.1% | |
| Equity | £22,062,000 | £32,631,000 | £48,971,000 | +50.1% | |
| Average employees | 381 | 574 | 697 | +21.4% | |
| Wages | £22,231,000 | £33,060,000 | £41,447,000 | +25.4% | |
| Directors' remuneration | £1,091,000 | £1,059,000 | £728,000 | -31.3% |
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 | 2023-10-31 | 2024-10-31 | 2025-10-31 |
|---|---|---|---|---|
| Operating margin | 11.6% | 15.4% | 19.2% | |
| Net margin | 12.2% | 16.7% | 20.4% | |
| Return on capital employed | 21.6% | 29.8% | 31.4% | |
| Current ratio | 2.67x | 2.65x | 4.87x |
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
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“These financial statements have been prepared on a going concern basis as the directors have not identified any uncertainties or events that cast significant doubt about the ability of the Company to continue as a going concern.”
Significant events
- “During the year, Philip Williams assumed the role of CEO of the UK Retail pillar (subject to regulatory approval), providing dedicated leadership to the Group's largest broking division.”
- “The acquisition of Delco Safety strengthened the Group's risk management offering, particularly in fire safety advisory services for real estate clients.”
- “Integration of acquired broking businesses continued throughout the year using a defined integration framework designed to align systems, streamline processes and embed Clear's operating standards.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 20 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| PATEL, Jitendra | Secretary | 2022-03-11 | — | — |
| EDGELEY, Michael David Simon | Director | 2021-06-08 | Oct 1966 | British |
| MONEY, Timothy John | Director | 2020-10-13 | Jan 1967 | British |
| WILLIAMS, Philip John | Director | 2022-10-06 | May 1983 | British |
| YOUNG, David Thomas Mcaree | Director | 2025-11-18 | Jun 1961 | British |
Show 20 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| MOIR, Christopher Ernest | Secretary | 2007-06-25 | 2021-03-02 |
| O DONNELL, Gary | Secretary | 1999-02-11 | 2007-06-25 |
| NOMINEE SECRETARIES LTD | Corporate Nominee Secretary | 1999-02-11 | 1999-02-11 |
| CONWAY, Alastair | Director | 1999-02-11 | 2004-12-23 |
| DRUCKMAN, Paul Bryan | Director | 2011-07-22 | 2020-10-13 |
| ESCOTT, Brent | Director | 2011-08-24 | 2018-09-03 |
| GALLIMORE, Nicholas Leon | Director | 2021-06-08 | 2021-12-31 |
| HARRADINE, John | Director | 2019-05-29 | 2020-04-24 |
| INNES, Daniel Alexander | Director | 2013-07-29 | 2024-09-17 |
| LICKENS, Howard Pierre | Director | 2001-11-30 | 2024-09-17 |
| MOIR, Christopher Ernest | Director | 2012-01-12 | 2021-03-02 |
| MORSE, Peter Clifford | Director | 2006-10-31 | 2016-10-31 |
| NORGAN, Denis Whitney | Director | 2003-10-17 | 2011-06-30 |
| NORGATE, Timothy Andrew | Director | 2002-07-29 | 2005-01-31 |
| O DONNELL, Gary | Director | 1999-02-11 | 2022-10-31 |
| O'DONNELL, Gary | Director | 2017-12-22 | 2017-12-22 |
| PACKHAM, Barry | Director | 2005-02-01 | 2019-05-17 |
| POTTER, Stephen Frederick Charles | Director | 2006-11-17 | 2011-12-12 |
| TAYLOR, Simon Ian | Director | 2012-01-31 | 2014-08-28 |
| NOMINEE DIRECTORS LTD | Corporate Nominee Director | 1999-02-11 | 1999-02-11 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Clear Group (Holdings) Limited | Corporate entity | Shares 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 177 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-29 | AA | accounts | Accounts with accounts type full | |
| 2026-07-01 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-07 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2026-02-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-11-20 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-22 | AA | accounts | Accounts with accounts type full | |
| 2025-02-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-09-30 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-24 | TM01 | officers | Termination director company with name termination date | |
| 2024-05-17 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-04-02 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-03-28 | AA | accounts | Accounts with accounts type full | |
| 2024-02-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-07-24 | AA | accounts | Accounts with accounts type full | |
| 2023-03-09 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2023-02-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-02-08 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2023-02-08 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2023-02-08 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2023-02-08 | MR04 | mortgage | Mortgage satisfy charge full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- Capital events
- 0
- Officers appointed
- 1
- 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.