# SPENCE (INSURANCE SERVICES) LTD. (SC124134)

> 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).

- Status: Active
- Incorporated: 1990-04-02
- Registered office: Bathgate, EH48 2TQ
- SIC 65120: Non-life insurance
- Next accounts due: 2027-05-31
- Confirmation statement due: 2027-04-16
- Accounts type: TOTAL EXEMPTION FULL

By net assets it sits in the top quarter of 1,423 comparable companies in the UK (median £30k, upper quartile £220k).

## Accounts (as filed)

| Period end | Net assets | Cash | Debtors | Creditors <1y | Turnover | Profit | Employees |
|---|---|---|---|---|---|---|---|
| 2025-08-31 | £2.39m | £1.40m | £0 | — | — | — | 14 |
| 2024-08-31 | £2.82m | £1.05m | £884k | — | — | — | 13 |

size band small.

## Filing and accounts signals (facts, not a rating)

- Net assets above zero: Net assets £2,390,738 at 31 August 2025
- Cash at bank of £50,000 or more: Cash £1,395,598
- Incorporated five or more years ago: Incorporated 2 April 1990

How each signal is derived: https://firmoscan.com/methodology

## Persons with significant control

- Clear Group (Holdings) Limited (corporate-entity) — owns 75–100% of shares; holds 75–100% of voting rights; can appoint or remove directors, since 2026-04-09

---
Source: Companies House register snapshot 2026-08-31, Open Government Licence v3.0. Information may have changed since that date and is not advice or a credit reference; check the official record before relying on it. Official record: https://find-and-update.company-information.service.gov.uk/company/SC124134
HTML: https://firmoscan.com/company/SC124134-spence-insurance-services-ltd