Annual accounts
Total Exemption Full accounts
29/09/2026Filing deadline
Made up to 31/12/2024Due 29/09/2026
- Next accounts made up to
- 29/12/2025
- Last accounts made up to
- 31/12/2024
STEPHEN LOWER INSURANCE SERVICES LTD
Active- 04930449Copy
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Registry details
Reference data exactly as held at Companies House.
Copy registry details
- Registered office
- 145 New Dover Road, Capel Le Ferne, Folkestone, Kent CT18 7JR
- Classification (2 SIC codes)
- Non-life insurance (65.12 - SIC 2007)Non-life reinsurance (65.20/2 - SIC 2007)
- Accounts type
- Total Exemption Full
Company activity
Every document filed at Companies House for this company.
Pre-Score for UK companies is coming soon
- 11/09/2026View PDF (7 pages)
Registration of charge 049304490002, created on 2026-09-07
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.
Due in 4 days
Confirmation statement
Confirms the registry record is up to date
- Next statement date
- 22/10/2026
- Last statement dated
- 31/12/2024
Financial performance
The latest figures STEPHEN LOWER INSURANCE SERVICES LTD filed. Okredo holds filed accounts data for 2021–2024; the year-by-year record is on the financials page.
Net Assets
£1.42M2024
-5.49%vs 20232023: £1.50M
Total Assets
£3.83M2024
-4.78%vs 20232023: £4.02M
Cash in Bank
£976.28K2024
-10.91%vs 20232023: £1.10M
Total Liabilities
£1.75M2024
-5.90%vs 20232023: £1.86M
Employees
152024
0vs 20232023: 15
Of the 4 measures with an earlier filing to compare against, 4 fell. Total assets moved furthest, down 4.78% on 2023. See the full financial analysis for STEPHEN LOWER INSURANCE SERVICES LTD.
The full financial record
Four ways through STEPHEN LOWER INSURANCE SERVICES LTD's filed accounts — the year-by-year numbers, the compound rates and the ratios behind them.
Net Assets · -0.3% a year (CAGR)Three-year trend, 2022–2024Every measure end to end across 2022, 2023 and 2024, with the compound rate behind each one.See what moved5 chartsCharts by indicator5 filed indicators plotted year by year, 2021–2024.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 × 4 yearsEvery figure by yearAll 5 measures Okredo tracks across 4 reported years, exactly as filed.Open the table
Employees
Headcount as reported to Companies House for 2021–2024.
| Year | Employees | Change |
|---|---|---|
| 2024 | 15 | 0 |
| 2023 | 15 | -3 |
| 2022 | 18 | +1 |
| 2021 | 17 | – |
Reported employee count decreased from 17 in 2021 to 15 in 2024. 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
9Directors, secretaries and other appointed officers, with the period each has served.
| Person | Role | Period | Connected companies |
|---|---|---|---|
| Director | 25/07/2008–14/03/2011 | 8 | |
| Nominee Secretary | 13/10/2003–13/10/2003 | 99601 | |
| Nominee Director | 13/10/2003–13/10/2003 | 43699 | |
| Director | 02/05/2007–Present | 13 | |
| Director | 02/05/2007–Present | 14 | |
| Director | 01/08/2011–Present | 1 | |
| Secretary | 01/10/2007–Present | 0 | |
| Secretary | 13/10/2003–01/10/2007 | 0 | |
| Director | 13/10/2003–02/05/2007 | 0 |
Persons with significant control
5Individuals or entities with significant control over the company, as declared to Companies House.
| Person | Period | Connected companies |
|---|---|---|
| 06/04/2016–06/04/2016 | 13 | |
| 06/04/2016–Present | 13 | |
| 06/04/2016–06/04/2016 | 14 | |
| 06/04/2016–Present | 14 | |
| 06/04/2016–Present | 0 |
Filing history and recent activity
Every document on the Companies House record, newest first.
- Filings on record
- 1 Since 11/09/2026
- Last 12 months
- 1
- Most recent filing
- 11/09/2026 less than a month ago
What changed in the last year
- Charges and mortgagesLatest 11/09/2026
Filing timeline
- 11/09/2026View PDF (7 pages)
Registration of charge 049304490002, created on 2026-09-07
See when the next accounts and confirmation statement are due
Similar companies
24 UK companies are similar to STEPHEN LOWER 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.
ACORN TO OAKS FINANCIAL SERVICES LTD
ActiveOffice G11, West Midlands House, Gipsy Lane, Willenhall WV13 2HA
- Activity
- Life insurance
- Company no.
- 06547017
- Incorporated
- 27/03/2008
- Employees
- 18
BLUE ROCK INSURANCE BROKERS LTD
ActiveLow Green House, 20 Alloway Place, Ayr KA7 2AA
- Activity
- Non-life insurance
- Company no.
- SC472097
- Incorporated
- 10/03/2014
- Employees
- 15
B.T.I.C. LIMITED
ActiveOld Printers Yard, South Street, Dorking, Surrey RH4 2HF
- Activity
- Non-life insurance
- Company no.
- 03163970
- Incorporated
- 23/02/1996
- Employees
- 18
CHALFONT INVESTMENT CONSULTANTS LIMITED
Active4-6 Station Road, Gerrards Cross, Buckinghamshire SL9 8EL
- Activity
- Pension funding
- Company no.
- 02936477
- Incorporated
- 08/06/1994
- Employees
- 15
BRENTS OF BRENTWOOD LIMITED
Active29a Crown Street, Brentwood, Essex CM14 4BA
- Activity
- Non-life insurance
- Company no.
- 00775649
- Incorporated
- 01/10/1963
- Employees
- 16
About STEPHEN LOWER INSURANCE SERVICES LTD
A short description of the company, written from its Companies House record.
STEPHEN LOWER INSURANCE SERVICES LTD is a private limited company registered in the United Kingdom, based in 145 New Dover Road, Capel Le Ferne, Folkestone, Kent CT18 7JR. Companies House classifies its business as Non-life insurance, one of 2 SIC classifications on its record. It has been on the register for 22 years 11 months.
The register currently records it as active. Its 2024 accounts report net assets of £1.42M and 15 employees.
STEPHEN LOWER INSURANCE SERVICES LTD: frequently asked questions
Answered from this company's own registry record and filed figures.
What does STEPHEN LOWER INSURANCE SERVICES LTD do?
Companies House records STEPHEN LOWER INSURANCE SERVICES LTD under 2 registered business activities: Non-life insurance (65.12 - SIC 2007) and Non-life reinsurance (65.20/2 - SIC 2007).
Is STEPHEN LOWER INSURANCE SERVICES LTD still active?
STEPHEN LOWER INSURANCE SERVICES LTD is recorded as active on the Companies House register, and has been on it since 13/10/2003.
What are STEPHEN LOWER INSURANCE SERVICES LTD's latest reported financials?
The most recent accounts Okredo holds cover 2024 and report net assets of £1.42M, total assets of £3.83M, cash in bank of £976.28K and total liabilities of £1.75M.
When did STEPHEN LOWER INSURANCE SERVICES LTD last file with Companies House?
The most recent document on the record is dated 11/09/2026: Registration of charge 049304490002, created on 2026-09-07, less than a month ago.
When are STEPHEN LOWER INSURANCE SERVICES LTD's next filings due?
On the current registry record, accounts are due by 29/09/2026.
Who runs STEPHEN LOWER INSURANCE SERVICES LTD?
Companies House lists 9 officers (4 currently in post) and 5 people with significant control (3 current).