RIPE INSURANCE SERVICES LIMITED
Get an alert when RIPE INSURANCE SERVICES LIMITED files next
Leroy will email you the moment a new filing lands at Companies House — one short note per filing, nothing else.
Cash
£5.4m
+126.3% vs 2024
Net assets
£36m
+75% highest in 5 filed years
Employees
131
+7.4% highest in 5 filed years
Profit before tax
£5.2m
+16.3% vs 2024
Net assets
5-year trend · vs Financials median
Accounts
5-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|---|---|
| Turnover | £22,641,441 | £26,766,812 | £17,158,832 | £18,985,939 | £24,661,513 | +29.9% | |
| Operating profit | — | — | £3,986,601 | £4,362,775 | £5,079,535 | +16.4% | |
| Profit before tax | £5,744,818 | £3,576,454 | £4,133,632 | £4,479,681 | £5,210,147 | +16.3% | |
| Net profit | £4,775,751 | £3,571,199 | £3,928,339 | £4,510,927 | £3,965,794 | -12.1% | |
| Cash | £4,441,537 | £5,837,317 | £1,760,831 | £2,388,469 | £5,404,023 | +126.3% | |
| Total assets less current liabilities | £9,261,662 | £12,536,388 | £16,741,693 | £21,426,309 | £37,296,487 | +74.1% | |
| Net assets | £8,751,240 | £12,322,439 | £16,250,778 | £20,761,705 | £36,327,499 | +75% | |
| Equity | £8,751,240 | £12,322,439 | £16,250,778 | £20,761,705 | £36,327,499 | +75% | |
| Average employees | 74 | 95 | 119 | 122 | 131 | +7.4% | |
| Wages | £2,343,952 | £3,358,629 | £3,999,114 | £4,343,874 | £4,938,119 | +13.7% | |
| Directors' remuneration | £223,740 | £542,969 | £628,227 | £517,185 | £671,623 | +29.9% |
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 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|---|
| Operating margin | — | — | 23.2% | 23.0% | 20.6% | |
| Net margin | 21.1% | 13.3% | 22.9% | 23.8% | 16.1% | |
| Return on capital employed | — | — | 23.8% | 20.4% | 13.6% | |
| Current ratio | — | — | 4.13x | 3.71x | 2.98x |
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
- RIPE INSURANCE SERVICES LIMITED 2017-06-15 → present
- J R W GROUP SERVICES LIMITED 2002-09-19 → 2017-06-15
- JRW INSURANCE SERVICES LIMITED 2002-08-09 → 2002-09-19
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- RSM UK Audit LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After making enquiries and reviewing forecast trading activity for a period of more than 12 months from this report, including the liquidity and capital position of the group who's wider obligations are funded by the cashflows generated by this Company, the directors have concluded that the company has adequate resources to continue in operational existence for more than 12 months and accordingly they continue to adopt the going concern basis of accounting.”
Significant events
- “GJW direct was acquired in the second quarter of the year and contributed to this growth; in addition there is also reported growth originating from the business transferred from fellow group subsidiaries during 2024 (Craftinsure Limited and The Golfers Club U.K. Limited).”
- “The increase in share capital reflects funding for the GJW Direct acquisition in the year.”
- “On 10 April 2025, the company acquired the trade and assets of a business trading as 'GJW Direct' for consideration of £11,350,000. This resulted in goodwill additions of £9,600,000 and trademark additions of £1,750,000.”
- “On 9 April 2025, 11,600,000 Ordinary shares of £1.00 each were issued by the company for £1 per share, resulting in total consideration of £11,600,000.”
- “At the reporting date, the Group had capital commitments of £782,000 (2024: £nil) relating to agreed office fit-out costs, which were expected to be incurred in the first quarter of 2026.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
2 active · 9 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| STYRING, Robert Alan | Director | 2024-09-03 | Nov 1971 | British |
| THOMAS, Alan | Director | 2024-10-07 | May 1976 | British |
Show 9 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| MINDEN WILSON, Paul Norman | Secretary | 2002-08-12 | 2015-07-07 |
| WHITEHEAD, Colin | Secretary | 2021-01-27 | 2022-07-21 |
| WHITEHEAD, Louise Marie | Secretary | 2016-09-23 | 2021-01-27 |
| FORM 10 SECRETARIES FD LTD | Corporate Nominee Secretary | 2002-08-09 | 2002-08-13 |
| MINDEN WILSON, Paul Norman | Director | 2002-08-12 | 2015-07-07 |
| WHITEHEAD, Colin, Mr. | Director | 2015-07-07 | 2022-07-21 |
| WILLIAMS, Paul Michael, Mr. | Director | 2017-10-30 | 2024-10-31 |
| WOOSEY, John Robert | Director | 2002-08-12 | 2024-10-31 |
| FORM 10 DIRECTORS FD LTD | Corporate Nominee Director | 2002-08-09 | 2002-08-13 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Ripe Thinking Two Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-08-09 | Active |
Filing timeline
Last 20 of 90 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-01-23 MA Memorandum articles
- 2024-01-23 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-24 | AA | accounts | Accounts with accounts type full | |
| 2026-06-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-12-18 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-09-12 | AA | accounts | Accounts with accounts type full | |
| 2025-06-16 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-04-09 | SH01 | capital | Capital allotment shares | |
| 2024-10-31 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-31 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-08 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-05 | AA | accounts | Accounts with accounts type full | |
| 2024-09-04 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-17 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-01-23 | MA | incorporation | Memorandum articles | |
| 2024-01-23 | RESOLUTIONS | resolution | Resolution | |
| 2023-09-28 | AA | accounts | Accounts with accounts type full | |
| 2023-08-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-08-15 | CH01 | officers | Change person director company with change date | |
| 2022-09-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-08-24 | TM01 | officers | Termination director company with name termination date | |
| 2022-08-24 | TM02 | officers | Termination secretary company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 1
- 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.