What Direct Commercial say about themselves
“Direct Commercial is the UK’s fleet insurance specialist, offering tailored cover, expert claims support and innovative insurance products for fleets of all sizes.”
Direct Commercial Limited
- Incorporated
- 4 December 1995 (30 years)
- Industry
- Non-life insurance (65120)
- Directors
- Joseph HantsonPeter Houlihan
- Accounts type
- Group
- Region
- East of England
- Address
- Redwing House Hedgerows Business ParkColchester RoadChelmsfordCM2 5PB
Website & contact details
- Website
Filing status
- Accounts due
- 30 November 2027
- Last accounts
- 28 February 2026
- Conf. stmt due
- 18 December 2026
- Last conf. stmt
- 4 December 2025
Charges
- Total
- 4
- Outstanding
- 0
- Part satisfied
- 0
- Satisfied
- 4
Officers 7 active
Officer details are public data from the Companies House register.
Hantson, Joseph
Director · Appointed 21 September 2023
British
Born March 1972 (54)
Houlihan, Peter
Director · Appointed 25 May 2023
Irish
Born September 1978 (48)
Director · Appointed 6 May 2020
British
Born March 1968 (58)
Webb, Christopher Joseph
Director · Appointed 6 May 2020
British
Born June 1977 (49)
Director · Appointed 20 January 2010
British
Born January 1970 (56)
Guilfoyle, Liam James
Director · Appointed 1 August 2007
English
Born April 1982 (44)
Guilfoyle, Liam James
Secretary · Appointed 31 May 2007
English
Officer history (14 former)
21 September 2023
Appointed Hantson, Joseph as Director
21 September 2023
Resigned Oleszko, Colin Henry as Director
25 May 2023
Appointed Houlihan, Peter as Director
8 December 2021
Resigned Cunningham, Emma Marie Claude as Secretary
6 May 2020
6 May 2020
Appointed Webb, Christopher Joseph as Director
6 May 2020
Appointed Oleszko, Colin Henry as Director
20 September 2016
Appointed Cunningham, Emma Marie Claude as Secretary
15 June 2011
Resigned Butler, Charles Colin as Director
28 February 2011
Resigned Cunningham, Philip as Director
5 April 2010
Resigned Crothers, Robert James as Director
20 January 2010
31 March 2009
Resigned Webb, Christopher Joseph as Director
1 August 2007
Appointed Webb, Christopher Joseph as Director
1 August 2007
Appointed Guilfoyle, Liam James as Director
31 May 2007
Resigned Skinner, Neil Fraser as Secretary
31 May 2007
Appointed Guilfoyle, Liam James as Secretary
31 May 2007
Resigned Skinner, Neil Fraser as Director
20 December 2004
Resigned Mccarthy, Charles John as Director
8 September 2004
Appointed Skinner, Neil Fraser as Director
15 September 2003
Appointed Crothers, Robert James as Director
17 June 2002
Appointed Butler, Charles Colin as Director
3 May 2002
3 May 2002
Appointed Cunningham, Philip as Director
3 May 2002
Appointed Skinner, Neil Fraser as Secretary
3 May 2002
Appointed Mccarthy, Charles John as Director
3 May 2002
3 May 2002
1 December 1999
1 December 1999
1 December 1999
Resigned Cunningham, Patricia Ellen as Secretary
31 January 1996
Appointed Cunningham, Patricia Ellen as Secretary
31 January 1996
Resigned Sant, Emma as Secretary
4 December 1995
Appointed Sant, Emma as Secretary
4 December 1995
Ownership 1 active
People and entities with significant control, from the Companies House PSC register
Corporate entity · Notified 8 September 2026
Owns 75–100% of shares
Holds 75–100% of voting rights
Public Limited Company
Reg. no. 01575839
Former controllers (4)
8 September 2026
8 December 2021
Ceased Electric Bidco Limited — Owns 75–100% of shares
8 December 2021
15 August 2018
Ceased STM Fidecs Trust Company Limited As Trustees of the Carraig Employee Benefit Trust — Owns 25–50% of shares
Group structure 12 companies
Ownership group derived from the Companies House PSC register
HCC International Insurance Company PLC Owns 75–100% of shares
Direct Commercial Limited This company Owns 75–100% of shares
Direct Commercial Premium Finance Limited Owns 75–100% of shares
Gcube Underwriting Limited Owns 75–100% of shares
Hcci Credit Services Limited Owns 75–100% of shares
Qdos Broker and Underwriting Services Limited Owns 75–100% of shares
Renewable Energy Loss Adjusters Limited Owns 75–100% of shares
Financials
Figures from 2025 accounts. Newer accounts, made up to 28 February 2026, are filed but not read yet. See them on Companies House
- Net Assets
- £35,074,306
- Cash
- £12,325,992
- Profit
- £14,303,449
- Employees
- 182
- Debt Ratio
- 31%
- Current Ratio
- 3.0x
- Return on Equity
- 41%
Trend
Net Assets
Balance sheet detail
| 2025 | 2024 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fixed Assets | £4,258,673 | £2,473,528 | £158,658 | £212,081 | £528,215 |
| Current Assets | £46,885,351 | £32,840,437 | £4,968,561 | £8,420,916 | £9,475,027 |
| Debtors | £34,559,359 | £25,977,422 | £6,156,762 | ||
| Cash | £12,325,992 | £6,863,015 | £4,868,561 | £8,320,884 | £3,318,265 |
| Creditors (< 1 year) | £15,679,313 | £12,551,471 | £5,537,505 | £7,041,268 | £6,946,069 |
| Creditors (> 1 year) | £0 | £0 | £0 | ||
| Net Current Assets | £31,206,038 | £10,258,880 | £9,064,434 | £2,528,958 | |
| Net Assets | £35,074,306 | £22,400,610 | £9,987,976 | £8,635,460 | £3,041,153 |
| Shareholder Funds | £35,074,306 | £22,400,610 | £9,987,976 | £8,635,460 | £3,041,153 |
Filings 150
| Date | Description | Made Up To | Pages | |
|---|---|---|---|---|
| 17 September 2026 | Cessation of a person with significant control | |||
| 17 September 2026 | Notification of a person with significant control | |||
| 17 September 2026 | Satisfaction of a charge in full | |||
| 12 August 2026 | Group of companies' accounts | 28 February 2026 | ||
| 5 March 2026 | Previous accounting period extended |
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