£2.39m
−15%vs Aug 2024ActiveSC124134Private limited companyBathgate
SPENCE (INSURANCE SERVICES) LTD.
Significant control: Clear Group (Holdings) Limited (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From public filings as at 31 Aug 2026; may contain errors or be out of date.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
SPENCE (INSURANCE SERVICES) LTD. is an active private limited company (company number SC124134) incorporated on 2 April 1990, registered in Bathgate. Its registered activity is non-life insurance (SIC 65120). Latest small accounts cover the period ending 31 August 2025, showing net assets of £2.39m and cash of £1.40m, with 14 employees on average. Net assets fell 15% on the prior period (£2.82m).
Peer position · net assets
By net assets it sits in the top quarter of 1,423 comparable companies in the UK (median £30k, upper quartile £220k).
02
Ownership and control
- Clear Group (Holdings) Limited
- owns 75–100% of shares
- holds 75–100% of voting rights
- can appoint or remove directors
- Mr Stewart William Spence
- owns 75–100% of shares
- holds 75–100% of voting rights
- Mr William James Spence
- owns 25–50% of shares
- Mrs Catherine Brand Banks Spence
- owns 25–50% of shares
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
- 2 April 199036 yrs ago
- Next accounts due
- 31 May 2027in 219 days
- Confirmation statement due
- 16 April 2027in 174 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
- Accounts type
- Total Exemption Full
- Size band
- SmallCompanies Act thresholds
05
Financials
£1.40m
+33%vs Aug 2024Not reported
14
+8%vs Aug 2024| Period end | Net assets | Cash | Debtors | Creditors <1y | Turnover | Profit | Employees |
|---|---|---|---|---|---|---|---|
| 31 August 2025 | £2.39m | £1.40m | £0 | — | — | — | 14 |
| 31 August 2024 | £2.82m | £1.05m | £884k | — | — | — | 13 |
Cash per employee£100kCash ÷ 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 £2,390,738 at 31 August 2025
- Cash at bank of £50,000 or moreCash £1,395,598
- Incorporated five or more years agoIncorporated 2 April 1990
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
- Next accounts duein 219 days
- Confirmation statement duein 174 days
- Accounts period endNet assets £2.39m · small accounts
- Accounts period endNet assets £2.82m · small accounts
- Incorporated
08
Similar companies in Edinburgh
- SCOTSURE INSURANCE COMPANY LIMITEDSouth Queensferry · inc. Oct 1990
- AGORA CCM 3 LTDEdinburgh · inc. Oct 1993
- PREMIER COMMERCIAL LIMITEDEdinburgh · inc. Sept 1995
- PRESTON INSURANCE ASSOCIATES LTD.Livingston · inc. Mar 1996
- TAN INSURANCE SERVICES LIMITEDEdinburgh · inc. Dec 1996
- AGE SCOTLAND ENTERPRISES LIMITEDEdinburgh · inc. Sept 1999
All companies incorporated on 2 April 1990 · in Apr 1990.
09
Reminders for SPENCE (INSURANCE SERVICES) LTD.
Get an email before each filing deadline — accounts and confirmation statement — so nothing is late.