£1.42m
−5%vs Dec 2023Active04930449Private limited companyFolkestone
STEPHEN LOWER INSURANCE SERVICES LTD
Significant control: Stephen Lower Insurance Services Holdings Ltd (75–100%)
From public filings as at 31 Aug 2026; may contain errors or be out of date. Verify at Companies House · Terms
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01
Summary
STEPHEN LOWER INSURANCE SERVICES LTD is an active private limited company (company number 04930449) incorporated on 13 October 2003, registered in Folkestone. Its registered activity is non-life insurance (SIC 65120). Latest small accounts cover the period ending 31 December 2024, showing net assets of £1.42m and cash of £976k, with 15 employees on average. Net assets fell 5% on the prior period (£1.50m).
Peer position · net assets
By net assets it sits in the top quarter of 65 comparable companies in Kent (median £2,387, upper quartile £47k).
02
Ownership and control
- Stephen Lower Insurance Services Holdings Ltd
- owns 75–100% of shares
- holds 75–100% of voting rights
- can appoint or remove directors
- Mr Patrick Michael Plews
- has significant influence or control
- Mrs Sharon Elizabeth Plews
- has significant influence or control
Persons with significant control hold 25% or more of shares or voting rights. Smaller shareholdings are only listed in confirmation-statement documents. Directors and secretaries: see the officers list at Companies House.
03
Key dates
- Incorporated
- 13 October 200323 yrs ago
- Next accounts due
- 30 September 202628 days overdue
- Confirmation statement due
- 27 October 2027in 364 days
Due dates are expected from Companies House filing rules; confirm on the official register before relying on them.
04
Activity
- SIC 65120
- Non-life insurance
- SIC 65202
- Non-life reinsurance
- Accounts type
- Total Exemption Full
- Size band
- SmallCompanies Act thresholds
05
Financials
£976k
−11%vs Dec 2023Not reported
15
No changevs Dec 2023| Period end | Net assets | Cash | Debtors | Creditors <1y | Turnover | Profit | Employees |
|---|---|---|---|---|---|---|---|
| 31 December 2024 | £1.42m | £976k | — | £1.74m | — | — | 15 |
| 31 December 2023 | £1.50m | £1.10m | — | £1.85m | — | — | 15 |
Current ratio1.07Current assets ÷ creditors within one year
Cash per employee£65kCash ÷ average employees
Figures as filed in iXBRL accounts at Companies House. "—" means the line was not reported in that filing.
06
Filing and accounts signals
- Net assets above zeroNet assets £1,418,510 at 31 December 2024
- Cash at bank of £50,000 or moreCash £976,279
- Incorporated five or more years agoIncorporated 13 October 2003
- Accounts past their due dateDue 30 September 2026
Neutral facts read from the register and filed accounts, each with its evidence. They are not a rating, a prediction or advice, and may be incomplete or out of date. How each signal is derived.
07
Timeline
- Confirmation statement duein 364 days
- Next accounts due28 days overdue
- Accounts period endNet assets £1.42m · small accounts
- Accounts period endNet assets £1.50m · small accounts
- Incorporated
08
Similar companies in Kent
- UKGI SERVICES LIMITEDTunbridge Wells · inc. Nov 2003
- HOLIDAY EXTRAS COVER LIMITEDHythe · inc. Feb 2004
- FARM AND GENERAL INSURANCE CONSULTANTS LIMITEDTunbridge Wells · inc. Mar 2004
- TOTAL BROKER SOLUTIONS LIMITEDTunbridge Wells · inc. Apr 2003
- EDEN INSURANCE BROKERS LTDMaidstone · inc. Oct 2002
- ADLER FAIRWAYS INSURANCE BROKERS LIMITEDTunbridge Wells · inc. Sept 2002
All companies incorporated on 13 October 2003 · in Oct 2003.
09
Reminders for STEPHEN LOWER INSURANCE SERVICES LTD
Get an email before each filing deadline — accounts and confirmation statement — so nothing is late.