Annual accounts
Total Exemption Full accounts
31/05/2026Filing deadline
Made up to 31/08/2024Due 31/05/2026
- Next accounts made up to
- 31/08/2025
- Last accounts made up to
- 31/08/2024
SPENCE (INSURANCE SERVICES) LTD.
Active- SC124134Copy
Copy
Registry details
Reference data exactly as held at Companies House.
Copy registry details
- Registered office
- Unit 2 Wester Inch Business Park, Old Well Court, Bathgate, West Lothian EH48 2TQ
- Classification (SIC)
- Non-life insurance (65.12 - SIC 2007)
- Accounts type
- Total Exemption Full
Company activity
The 4 most recent documents filed at Companies House.
Pre-Score for UK companies is coming soon
- 21/08/2026View PDF (1 pages)
Current accounting period extended from 2026-08-31 to 2026-10-31
- 21/05/2026View PDF (10 pages)
Total exemption full accounts made up to 2025-08-31
- 09/04/2026View PDF (2 pages)
Appointment of Mr Timothy John Money as a director on 2026-04-09
- 09/04/2026View PDF (1 pages)
Termination of appointment of William James Spence as a director on 2026-04-09
Coming soon
What Pre-Score will tell you
- Whether the filed accounts are strengthening or weakening year on year.
- Whether this company files on time, and how often its record changes.
- How its officers and controlling parties connect to other UK companies.
Accounts and confirmation statement
The two filings Companies House requires every year, and where each one stands against its deadline today.
118 days overdue
Confirmation statement
Confirms the registry record is up to date
- Next statement date
- 16/04/2026
- Last statement dated
- 31/08/2024
Financial performance
The latest figures SPENCE (INSURANCE SERVICES) LTD. filed. Okredo holds filed accounts data for 2021–2025; the year-by-year record is on the financials page.
Net Assets
£2.39M2025
-15.19%vs 20242024: £2.82M
Total Assets
£3.15M2025
-1.39%vs 20242024: £3.19M
Cash in Bank
£1.40M2025
33.16%vs 20242024: £1.05M
Total Liabilities
£484.85K2025
39.66%vs 20242024: £347.17K
Employees
142025
+1vs 20242024: 13
Of the 4 measures with an earlier filing to compare against, 2 rose and 2 fell. Net assets moved furthest, down 15.19% on 2024. See the full financial analysis for SPENCE (INSURANCE SERVICES) LTD..
The full financial record
Four ways through SPENCE (INSURANCE SERVICES) LTD.'s filed accounts — the year-by-year numbers, the compound rates and the ratios behind them.
Net Assets · -4.1% a year (CAGR)Three-year trend, 2023–2025Every measure end to end across 2023, 2024 and 2025, with the compound rate behind each one.See what moved5 chartsCharts by indicator5 filed indicators plotted year by year, 2021–2025.Plot the figuresNothing estimatedRatios from the filed figures4 ratios computed from this company's own reported amounts, each shown against the year it was derived from.Check the ratios5 × 5 yearsEvery figure by yearAll 5 measures Okredo tracks across 5 reported years, exactly as filed.Open the table
Employees
Headcount as reported to Companies House for 2021–2025.
| Year | Employees | Change |
|---|---|---|
| 2025 | 14 | +1 |
| 2024 | 13 | 0 |
| 2023 | 13 | 0 |
| 2022 | 13 | +1 |
| 2021 | 12 | – |
Reported employee count increased from 12 in 2021 to 14 in 2025. See how headcount moved alongside the reported financials.
Credit report
It is a professional assessment of the company 's performance, revealing company's potential and risks, showing it's past experiences and revealing future prospects.
- Company potential
- Risk indicators
- Past performance
- Future prospects
Officers
6Directors, secretaries and other appointed officers, with the period each has served.
| Person | Role | Period | Connected companies |
|---|---|---|---|
| Director | 03/04/1990–09/04/2026 | 3 | |
| Director | 03/04/1990–09/04/2026 | 2 | |
| Director | 01/01/1997–Present | 2 | |
| Nominee Secretary | 02/04/1990–03/04/1990 | 1832 | |
| Nominee Director | 02/04/1990–03/04/1990 | 116 | |
| Secretary | 03/04/1990–09/04/2026 | 0 |
Persons with significant control
7Individuals or entities with significant control over the company, as declared to Companies House.
| Person | Period | Connected companies |
|---|---|---|
| 09/04/2026–Present | 2 | |
| 06/04/2016–12/03/2026 | 3 | |
| 06/04/2016–Present | 3 | |
| 06/04/2016–Present | 2 | |
| 06/04/2016–12/03/2026 | 2 | |
| 06/04/2016–09/04/2026 | 2 | |
| 06/04/2016–Present | 2 |
Filing history and recent activity
Every document on the Companies House record, newest first.
- Filings on record
- 32 Since 07/12/2022
- Last 12 months
- 14 +12 vs the year before
- Most recent filing
- 21/08/2026 1 month ago
What changed in the last year
- Accounts filedLatest 21/05/2026
- Officer changes (10)Latest 09/04/2026
Filing timeline
- 21/08/2026View PDF (1 pages)
Current accounting period extended from 2026-08-31 to 2026-10-31
- 21/05/2026View PDF (10 pages)
Total exemption full accounts made up to 2025-08-31
- 09/04/2026View PDF (2 pages)
Appointment of Mr Timothy John Money as a director on 2026-04-09
- 09/04/2026View PDF (1 pages)
Termination of appointment of William James Spence as a director on 2026-04-09
- 09/04/2026View PDF (1 pages)
Termination of appointment of Catherine Brand Banks Spence as a director on 2026-04-09
- 09/04/2026View PDF (1 pages)
Cessation of Stewart William Spence as a person with significant control on 2026-04-09
- 09/04/2026View PDF (2 pages)
Appointment of Mr Michael David Simon Edgeley as a director on 2026-04-09
- 09/04/2026View PDF (2 pages)
Notification of Clear Group (Holdings) Limited as a person with significant control on 2026-04-09
- 09/04/2026View PDF (1 pages)
Termination of appointment of William James Spence as a secretary on 2026-04-09
- 09/04/2026View PDF (2 pages)
Resolutions
- 09/04/2026View PDF (32 pages)
Memorandum and Articles of Association
- 01/04/2026View PDF (1 pages)
Cessation of William James Spence as a person with significant control on 2026-03-12
Showing 12 of 32 filings
See when the next accounts and confirmation statement are due
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34 UK companies are similar to SPENCE (INSURANCE SERVICES) LTD., sharing the same company status (Active), the same industry sector and activity group (Non-life insurance) and a comparable number of employees. The 5 closest matches are shown below to help you compare competitors and industry peers.
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- Activity
- Non-life insurance
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- Incorporated
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- Employees
- 13
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ANDREW BOURNE & CO (INSURANCE CONSULTANTS) LIMITED
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- Activity
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ANTHONY WAKEFIELD AND COMPANY LIMITED
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- Activity
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ARENA INVESTMENT MANAGEMENT LIMITED
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About SPENCE (INSURANCE SERVICES) LTD.
A short description of the company, written from its Companies House record.
SPENCE (INSURANCE SERVICES) LTD. is a private limited company registered in the United Kingdom, based in Unit 2 Wester Inch Business Park, Old Well Court, Bathgate, West Lothian EH48 2TQ. Companies House classifies its business as Non-life insurance. It has been on the register for 36 years 5 months.
The register currently records it as active. Its 2025 accounts report net assets of £2.39M and 14 employees. Its accounts are past the filing deadline shown on the registry record.
SPENCE (INSURANCE SERVICES) LTD.: frequently asked questions
Answered from this company's own registry record and filed figures.
What does SPENCE (INSURANCE SERVICES) LTD. do?
Companies House records SPENCE (INSURANCE SERVICES) LTD. under one registered business activity: Non-life insurance (65.12 - SIC 2007).
Is SPENCE (INSURANCE SERVICES) LTD. still active?
SPENCE (INSURANCE SERVICES) LTD. is recorded as active on the Companies House register, and has been on it since 02/04/1990.
What are SPENCE (INSURANCE SERVICES) LTD.'s latest reported financials?
The most recent accounts Okredo holds cover 2025 and report net assets of £2.39M, total assets of £3.15M, cash in bank of £1.40M and total liabilities of £484.85K.
When did SPENCE (INSURANCE SERVICES) LTD. last file with Companies House?
The most recent document on the record is dated 21/08/2026: Current accounting period extended from 2026-08-31 to 2026-10-31, 1 month ago.
When are SPENCE (INSURANCE SERVICES) LTD.'s next filings due?
On the current registry record, accounts are due by 31/05/2026, which has passed.
Who runs SPENCE (INSURANCE SERVICES) LTD.?
Companies House lists 6 officers (1 currently in post) and 7 people with significant control (4 current).