HOME RETAIL GROUP INSURANCE SERVICES LIMITED
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Cash
-£3K
-100.1% lowest in 3 filed years
Net assets
£752K
0% vs 2025
Employees
0
Average over period
Profit before tax
£0
Period ending 2026-02-28
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Accounts not prepared on a going-concern basis
The Directors expect all activity to cease or transfer to another group company in this period and therefore have not considered beyond this time frame.
-
Going-concern uncertainty disclosed
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2026-02-28
| Metric | Trend | 2024-02-29 | 2025-02-28 | 2026-02-28 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £3,606,000 | £3,489,000 | £3,296,000 | -5.5% | |
| Operating profit | £0 | -£65,000 | £4,322,000 | +6,749.2% | |
| Profit before tax | £0 | £0 | £0 | — | |
| Net profit | £0 | £0 | £0 | — | |
| Cash | £941,000 | £2,258,000 | -£3,000 | -100.1% | |
| Total assets less current liabilities | £5,951,000 | £5,680,000 | £1,652,000 | -70.9% | |
| Net assets | £752,000 | £752,000 | £752,000 | 0% | |
| Equity | £752,000 | £752,000 | £752,000 | 0% | |
| Average employees | 0 | 0 | 0 | — | |
| Wages | — | — | — | — | |
| Directors' remuneration | — | — | — | — |
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 | 2024-02-29 | 2025-02-28 | 2026-02-28 |
|---|---|---|---|---|
| Operating margin | 0.0% | -1.9% | 131.1% | |
| Net margin | 0.0% | 0.0% | 0.0% | |
| Return on capital employed | 0.0% | -1.1% | 261.6% | |
| Gearing (liabilities / total assets) | 88.5% | 90.4% | 55.7% | |
| Current ratio | 10.77x | 3.68x | 41.37x |
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
- HOME RETAIL GROUP INSURANCE SERVICES LIMITED 2006-10-24 → present
- ARG INSURANCE SERVICES LIMITED 2002-01-22 → 2006-10-24
- GUS INSURANCE SERVICES LIMITED 2001-02-21 → 2002-01-22
- INHOCO 2186 LIMITED 2000-11-16 → 2001-02-21
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Not a going concern (break-up basis)
“The Directors expect all activity to cease or transfer to another group company in this period and therefore have not considered beyond this time frame.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 35 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| SAINSBURY'S CORPORATE SECRETARY LIMITED | Corporate Secretary | 2026-05-22 | — | — |
| MULHALL, Robert Damien | Director | 2024-04-09 | Feb 1974 | Irish |
| SHORT, Patrick Joseph | Director | 2026-05-22 | Sep 1977 | British |
Show 35 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BENTLEY, Gordon Andrew | Secretary | 2007-04-02 | 2008-01-10 |
| CLARKE, David | Secretary | 2024-03-01 | 2026-05-22 |
| HAMILTON, Deborah Pamela | Secretary | 2014-09-11 | 2016-11-23 |
| HOLMES, Colin John | Secretary | 2004-06-15 | 2007-04-02 |
| HOLMES, Colin John | Secretary | 2001-02-16 | 2004-02-02 |
| MCKELVEY, Penelope Ann | Secretary | 2013-06-28 | 2014-09-11 |
| MCNAUGHTON, Donald Hamish Macleod | Secretary | 2016-11-28 | 2024-03-01 |
| PARKER, Philip Alexander | Secretary | 2008-01-10 | 2013-06-28 |
| WILLIS, Michael Haydn Allen | Secretary | 2004-02-02 | 2004-06-15 |
| A B & C SECRETARIAL LIMITED | Corporate Nominee Secretary | 2000-11-16 | 2001-02-16 |
| ADAMS, David William | Director | 2007-12-03 | 2010-08-02 |
| ARDEN, David Thomas | Director | 2017-02-13 | 2018-03-18 |
| BALL, Gregor Frank | Director | 2005-10-28 | 2015-07-23 |
| BEAUCHAMP, Martyn Joseph | Director | 2015-10-01 | 2017-02-01 |
| BROWN, James Alexander | Director | 2019-08-28 | 2024-03-31 |
| CARLSON, Katherine | Director | 2018-03-18 | 2019-11-28 |
| COTTERILL, Cathryn Rebecca | Director | 2004-06-15 | 2014-08-10 |
| DAVIS, Donald Fuller | Director | 2010-08-02 | 2011-10-13 |
| FORRESTER, Graeme Campbell | Director | 2019-04-15 | 2019-11-28 |
| FULLER, Neil Frank | Director | 2001-03-14 | 2003-08-29 |
| GRESHAM, Nicholas John | Director | 2003-08-29 | 2007-11-30 |
| GRIFFITHS, Peter Lloyd | Director | 2019-04-15 | 2019-08-27 |
| HARPER, Sarah | Director | 2004-06-15 | 2008-11-17 |
| HEMUS, Mark Christopher | Director | 2015-04-30 | 2019-07-31 |
| HILLIARD, Trevor Martyn | Director | 2001-02-16 | 2003-12-21 |
| HOLMES, Colin John | Director | 2004-02-02 | 2004-06-15 |
| JONES, David | Director | 2019-04-15 | 2019-11-28 |
| LANGLEY, Ivor Paul | Director | 2006-08-15 | 2010-09-29 |
| LARKIN, Michael | Director | 2019-04-15 | 2026-05-22 |
| MURPHY, Mark Antony | Director | 2015-07-28 | 2015-10-01 |
| OGLE, David Wilson | Director | 2005-10-28 | 2005-12-20 |
| TWIGG, David Edward | Director | 2010-10-13 | 2014-06-03 |
| VEITCH, Sally Jane | Director | 2014-04-16 | 2015-04-30 |
| VEITCH, Sally Jane | Director | 2011-10-13 | 2013-03-29 |
| INHOCO FORMATIONS LIMITED | Corporate Nominee Director | 2000-11-16 | 2001-02-16 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Sainsbury's Bank Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-09-16 | Active |
| Home Retail Group (Uk) Limited | Corporate entity | Shares 75–100% | 2016-04-06 | Ceased 2016-09-16 |
Filing timeline
Last 20 of 173 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-05-14 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-28 | AA | accounts | Accounts with accounts type full | |
| 2026-05-27 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-27 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-05-27 | AP04 | officers | Appoint corporate secretary company with name date | |
| 2026-05-27 | AP01 | officers | Appoint person director company with name date | |
| 2026-05-18 | CH01 | officers | Change person director company with change date | |
| 2026-05-18 | CH01 | officers | Change person director company with change date | |
| 2026-05-14 | MA | incorporation | Memorandum articles | |
| 2025-08-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-19 | AD02 | address | Change sail address company with old address new address | |
| 2025-06-18 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-06-16 | AA | accounts | Accounts with accounts type full | |
| 2025-05-01 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-10-01 | CH01 | officers | Change person director company with change date | |
| 2024-10-01 | CH01 | officers | Change person director company with change date | |
| 2024-09-04 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-13 | AA | accounts | Accounts with accounts type full | |
| 2024-04-11 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-11 | TM01 | officers | Termination director company with name termination date | |
| 2024-03-05 | AP03 | officers | Appoint person secretary company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 0
- Officers appointed
- 2
- 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.