STEPHEN LOWER INSURANCE SERVICES LTD Financials
- Company number
- 04930449Copy
Copy - Registered office
- 145 New Dover Road, Capel Le Ferne, Folkestone, Kent CT18 7JR
- Incorporated
- 13/10/2003
Company snapshot
- Status
- Active
- Employees
- 15 (2024)
- Latest financial data
- 2024
- Accounts type
- Total Exemption Full
Financial highlights
Latest reported figures. Okredo holds filed data for 2021–2024.
Net Assets
-5.49%vs 20232023: £1.50M
Total Assets
-4.78%vs 20232023: £4.02M
Cash in Bank
-10.91%vs 20232023: £1.10M
Total Liabilities
-5.90%vs 20232023: £1.86M
Employees
0vs 20232023: 15
In 2024, STEPHEN LOWER INSURANCE SERVICES LTD reported net assets of £1.42M. The same filing shows total assets of £3.83M, cash in bank of £976.28K and total liabilities of £1.75M. Reported headcount was 15 in 2024. Total Assets fell from £4.02M in 2023 to £3.83M in 2024 (-4.78%). Okredo holds filed figures for 2021–2024; the table below lists every reported indicator by year. See every reported indicator by year.
Financial performance
Pick a measure to see how it has moved across the reported years, with the year-on-year change beneath it.
Net Assets
-5.49%from £1.50M in 2023Year-on-year change
Net Assets as filed for 2021–2024. Every figure in this chart is also in the financial history table.
3-year financial trend (2022–2024)
How the figures STEPHEN LOWER INSURANCE SERVICES LTD filed moved across the three reported years 2022, 2023 and 2024 — measured end to end rather than year on year.
Net Assets
-0.5%vs 2022-0.3% a year compound (CAGR)
Cash in Bank
+2.7%vs 2022+1.4% a year compound (CAGR)
Total Assets
+5.5%vs 2022+2.7% a year compound (CAGR)
Total Liabilities
+9.7%vs 2022+4.7% a year compound (CAGR)
Employees
-16.7%vs 2022-3Biggest increase
Total Liabilities+9.7%
£1.60M in 2022 to £1.75M in 2024
Biggest decrease
Employees-16.7%
18 in 2022 to 15 in 2024
STEPHEN LOWER INSURANCE SERVICES LTD's filings pull in both directions between 2022 and 2024. The steepest rise came in total liabilities, pointing to heavier outstanding obligations, set against a fall in employee numbers, pointing to a smaller workforce. See the full year-by-year figures.
Ratios from the filed figures
Calculated from STEPHEN LOWER INSURANCE SERVICES LTD's own reported amounts, each shown against the year it was derived from — nothing here is estimated or industry-averaged.
- Net assets to total assets
- 37.01%2024
- Liabilities to total assets
- 45.69%2024
- Cash to liabilities
- 55.76%2024
- Cash to total assets
- 25.48%2024
Reported net assets divided by reported total assets, for the latest year both were filed. Shows how much of the asset base is not financed by liabilities.
Total liabilities divided by reported total assets, for the latest year both were available. Shows how much of the asset base is funded by obligations.
Reported cash in bank divided by total liabilities for the same year. Shows what share of outstanding obligations the reported cash balance would cover.
Reported cash in bank divided by reported total assets, for the latest year both were filed.
Financial history
Every indicator Okredo tracks, year by year.
Reported financial indicators for STEPHEN LOWER INSURANCE SERVICES LTD by year. Amounts are as filed; a dash means the figure was not reported for that year.
| Indicator | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Net Assets£ | 1.37M | 1.43M | 1.50M | 1.42M |
| Total Assets£ | 3.14M | 3.63M | 4.02M | 3.83M |
| Cash in Bank£ | 725.63K | 950.27K | 1.10M | 976.28K |
| Total Liabilities£ | 1.32M | 1.60M | 1.86M | 1.75M |
| Employees | 17 | 18 | 15 | 15 |
STEPHEN LOWER INSURANCE SERVICES LTD financials: frequently asked questions
Answered from this company's own filed figures.
Has STEPHEN LOWER INSURANCE SERVICES LTD filed financial statements?
Yes. Okredo holds filed figures for STEPHEN LOWER INSURANCE SERVICES LTD covering 2021–2024, across 5 reported indicators. The most recent reported year is 2024.
What net assets did STEPHEN LOWER INSURANCE SERVICES LTD report in 2024?
STEPHEN LOWER INSURANCE SERVICES LTD reported net assets of £1.42M for 2024. That compares with £1.50M in 2023, a change of -5.49%.
What total assets did STEPHEN LOWER INSURANCE SERVICES LTD report in 2024?
STEPHEN LOWER INSURANCE SERVICES LTD reported total assets of £3.83M for 2024. That compares with £4.02M in 2023, a change of -4.78%.
What cash in bank did STEPHEN LOWER INSURANCE SERVICES LTD report in 2024?
STEPHEN LOWER INSURANCE SERVICES LTD reported cash in bank of £976.28K for 2024. That compares with £1.10M in 2023, a change of -10.91%.
How many people does STEPHEN LOWER INSURANCE SERVICES LTD employ?
STEPHEN LOWER INSURANCE SERVICES LTD reported 15 employees in 2024, compared with 15 in 2023.
How have STEPHEN LOWER INSURANCE SERVICES LTD financials changed over the last 3 years?
Between 2022 and 2024, STEPHEN LOWER INSURANCE SERVICES LTD's net assets fell by 0.5%, cash in bank rose by 2.7%, total assets rose by 5.5% and total liabilities rose by 9.7%. Net assets contracted at 0.3% a year across the two years to 2024, from £1.43M to £1.42M. Reported headcount went from 18 in 2022 to 15 in 2024 (-3).
Which years of STEPHEN LOWER INSURANCE SERVICES LTD financial data are available?
Okredo holds reported figures for the years 2021, 2022, 2023, 2024. Where an indicator was not reported for a given year, the financial history table shows a dash rather than a value.