Filing status
- Accounts due
- 30 September 2027
- Last accounts
- 31 December 2025
- Conf. stmt due
- 23 June 2027
- Last conf. stmt
- 9 June 2026
First Underwriting Limited
- Incorporated
- 23 November 2011 (14 years)
- Previously known as
- Xpekt Limited (until 29 November 2018)
- Industry
- Activities of insurance agents and brokers (66220)
- Directors
- Victor Paul RainsfordGemma Susanne Stanley
- Owned by
- Accounts type
- Full
- Region
- Greater London
- Address
- Level 1530St. Mary AxeLondonEC3A 8BF
Charges
- Total
- 1
- Outstanding
- 1
- Part satisfied
- 0
- Satisfied
- 0
Officers 6 active
Officer details are public data from the Companies House register.
Director · Appointed 11 February 2026
British
Born July 1973 (53)
Rainsford, Victor Paul
Director · Appointed 14 August 2025
American
Born June 1966 (60)
Stanley, Gemma Susanne
Director · Appointed 22 February 2024
British
Born June 1984 (42)
Director · Appointed 1 April 2023
American
Born November 1972
Director · Appointed 18 August 2021
Also at Maybury James Limited, Kingsbridge Group Limited, Fresh Insurance Services Group Limited (proposed for strike-off) · more companies
English
Born October 1965 (61)
Toomey, Simon Andrew
Director · Appointed 11 May 2021
British
Born April 1988 (38)
Officer history (16 former)
11 February 2026
19 December 2025
14 August 2025
14 August 2025
Appointed Rainsford, Victor Paul as Director
22 February 2024
Appointed Stanley, Gemma Susanne as Director
11 September 2023
Resigned Donachie, Thomas as Director
1 April 2023
1 April 2023
1 April 2023
1 April 2023
1 April 2023
1 April 2023
31 January 2023
8 June 2022
18 August 2021
11 May 2021
Appointed Toomey, Simon Andrew as Director
11 May 2021
Appointed Donachie, Thomas as Director
30 October 2020
8 January 2020
8 January 2020
11 March 2019
6 December 2018
22 October 2018
22 October 2018
Resigned Foulds, Shaun as Director
22 October 2018
22 October 2018
22 October 2018
22 October 2018
17 August 2018
Resigned Bartlett, Dean Stuart as Director
1 July 2017
Appointed Bartlett, Dean Stuart as Director
17 May 2017
Resigned Mellish, Robin as Director
31 December 2014
Resigned Dixon, Trevor as Director
17 October 2012
Appointed Mellish, Robin as Director
1 August 2012
Appointed Foulds, Shaun as Director
1 August 2012
Appointed Dixon, Trevor as Director
26 January 2012
23 November 2011
23 November 2011
Ownership 1 active
People and entities with significant control, from the Companies House PSC register
Corporate entity · Notified 18 December 2020
Owns 75–100% of shares
Holds 75–100% of voting rights
Right to appoint and remove directors
Private Limited Company
Reg. no. 06766585
Former controllers (5)
18 December 2020
Ceased NSM Mga Holdings Limited — Owns 75–100% of shares
20 December 2018
Ceased Julie Hart — Holds 25–50% of voting rights
20 December 2018
1 July 2017
1 July 2017
Ceased Julie Hart — Owns 25–50% of shares
Group structure 13 shown
Ownership group derived from the Companies House PSC register
Kingfisher UK Holdings Limited Owns 75–100% of shares
First Underwriting Limited This company Owns 75–100% of shares
Maybury James Limited Owns 75–100% of shares
Stewart Miller McCulloch (Holdings) Limited Owns 75–100% of shares (as a firm)
NSM Mga Holdings Limited Owns 75–100% of shares
First Specialty Limited Owns 75–100% of shares
Vantage IB Limited Owns 75–100% of shares
Kingsbridge Risk Solutions Limited Owns 75–100% of shares
Larsen Howie Limited Owns 75–100% of shares
Soar Newco Limited Owns 75–100% of shares
Dinghy Limited Owns 75–100% of shares
Kingsbridge Technology Limited Owns 75–100% of shares
Financials
Figures from 2024 accounts. Newer accounts, made up to 31 December 2025, are filed but not read yet. See them on Companies House
- Net Assets
- £3,807,894
- Cash
- £14,373,745
- Profit Before Tax
- £401,803
- Debt Ratio
- 88%
- Return on Equity
- 11%
Trend
Net Assets
Balance sheet detail
| 2024 | 2023 | 2022 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fixed Assets | £530,380 | £298,177 | £468,399 | £1,323,576 | £1,281,517 |
| Current Assets | £30,511,309 | £37,820,808 | £30,315,316 | £15,699,369 | £7,143,279 |
| Debtors | £16,137,564 | £18,248,250 | £13,566,154 | £5,189,816 | £4,042,103 |
| Cash | £14,373,745 | £19,173,712 | £16,749,162 | £10,509,553 | £3,101,176 |
| Creditors (< 1 year) | £31,643,604 | £24,949,884 | £13,210,859 | £4,831,314 | |
| Net Current Assets | £6,457,621 | £6,177,204 | £5,365,432 | £2,488,510 | £2,311,965 |
| Net Assets | £3,807,894 | £836,712 | £458,606 | £1,805,629 | £1,684,291 |
| Shareholder Funds | £3,807,894 | £836,712 | £458,606 | £1,805,629 | £1,684,291 |
| Turnover | £11,683,857 | ||||
| Cost of Sales | £4,141,448 | £5,821,826 | |||
| Gross Profit | £7,542,409 | ||||
| Admin Expenses | £8,352,587 | £9,481,990 | £8,998,939 | ||
| Staff Costs | £4,139,714 | £4,536,225 | £4,762,523 | ||
| Operating Profit | £60,419 | ||||
| Profit Before Tax | £401,803 | £137,847 | (£1,339,364) | ||
| Tax | £0 | £0 | £0 | ||
| Profit for Period | £401,803 | £137,847 | (£1,339,364) | ||
Filings 102
| Date | Description | Made Up To | Pages | |
|---|---|---|---|---|
| 30 September 2026 | Full accounts | 31 December 2025 | ||
| 21 June 2026 | Confirmation statement with updates | 9 June 2026 | ||
| 17 February 2026 | Appointment of a director | |||
| 30 December 2025 | Termination of appointment of a director | |||
| 17 December 2025 | Termination of appointment of a director |
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