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Registered number: 15355589













          RSCPBR A Limited
          
          Annual Report and Financial Statements
          For the Period Ended 31 December 2024















           

 
RSCPBR A Limited
 
 
Company Information


Directors
J L Radford (appointed 16 December 2023, resigned 20 May 2024)
C J N Wawn (appointed 4 April 2024)
S C Murphy (appointed 4 April 2024)
A R Graham (appointed 1 August 2024)
J D Goacher (appointed 4 April 2024, resigned 14 November 2025)
S L Chadburn (appointed 5 April 2024)
W L Broughton (appointed 16 December 2023)
A M Calder (appointed 14 November 2025)




Registered number
15355589



Registered office
Saturn Building
Firstpoint

Balby Carr Bank

Doncaster

DN4 5JQ




Independent auditor
PKF Littlejohn LLP

15 Westferry Circus

Canary Wharf

London

E14 4HD





 
RSCPBR A Limited
 

Contents



Page
Strategic Report
 
1
Directors' Report
 
2 - 4
Independent Auditor's Report
 
5 - 8
Statement of Comprehensive Income
 
9
Balance Sheet
 
10
Statement of Changes in Equity
 
11
Notes to the Financial Statements
 
12 - 17


 
RSCPBR A Limited
 
 
Strategic Report
For the Period Ended 31 December 2024

Introduction
 
The directors have pleasure in submitting their strategic report for RSCPBR A Limited for the period to 31 December 2024.

Business review
 
The company exists as a holding company for a number of subsidiaries and as such, it has no trade.
As the company is a holding company there is no further reference included regards strategy, S172 or SECR requirements but details can be found within the financial statements of the ultimate parent company RSCPBR Limited.

Principal risks and uncertainties
 
Because of the purpose of the company and the carrying value of its assets, the directors do not consider that the company is exposed to any significant risks. 

Financial key performance indicators
 
Due to the diverse nature of the businesses, the Directors use differing performance indicators, both financial and non-financial to assess and monitor the position of the Company.
The financial indicators such as current ratio and return on capital employed are used to analyse the balance sheet.
General non-financial performance indicators are staff turnover, staff satisfaction and health and safety amongst others.

Directors' statement of compliance with duty to promote the success of the Company
 
The Directors have acted in a way that they considered, in good faith, to be most likely to promote the success of the Company for the benefit of its sole members. 


This report was approved by the board on 15 December 2025 and signed on its behalf.



S L Chadburn
Director

Page 1

 
RSCPBR A Limited
 
 
Directors' Report
For the Period Ended 31 December 2024

The directors present their Annual report and the financial statements for the period from 16 December 2023 (Date of incorporation) and ended 31 December 2024.

Directors' responsibilities statement

The directors are responsible for preparing the Strategic Report, the Directors' Report and the financial statements in accordance with applicable law and regulations.
 
Company law requires the directors to prepare financial statements for each financial year. Under that law the directors have elected to prepare the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice), including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland'. Under company law the directors must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the Company and of the profit or loss of the Company for that period.

 In preparing these financial statements, the directors are required to:


select suitable accounting policies for the Company's financial statements and then apply them consistently;

make judgements and accounting estimates that are reasonable and prudent;

state whether applicable UK Accounting Standards have been followed, subject to any material departures disclosed and explained in the financial statements;

prepare the financial statements on the going concern basis unless it is inappropriate to presume that the Company will continue in business.

The directors are responsible for keeping adequate accounting records that are sufficient to show and explain the Company's transactions and disclose with reasonable accuracy at any time the financial position of the Company and to enable them to ensure that the financial statements comply with the Companies Act 2006They are also responsible for safeguarding the assets of the Company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Principal activity

The company exists as a holding company and has no trade.

Results and dividends

The profit for the period, after taxation, amounted to £17,546,296.

No final dividend is recommended.



 

Page 2

 
RSCPBR A Limited
 
 
Directors' Report (continued)
For the Period Ended 31 December 2024

Directors

The directors who served during the period were:

J L Radford (appointed 16 December 2023, resigned 20 May 2024)
C J N Wawn (appointed 4 April 2024)
S C Murphy (appointed 4 April 2024)
A R Graham (appointed 1 August 2024)
J D Goacher (appointed 4 April 2024, resigned 14 November 2025)
S L Chadburn (appointed 5 April 2024)
W L Broughton (appointed 16 December 2023)
A M Calder (appointed 14 November 2025)
The Directors are entitled to an indemnity under the Articles of Association of the Company. In addition the Directors and Officers of the Company and its subsidiaries benefit from Director's and Officers' liability insurance cover in respect of legal actions brought against them.  

Disclosure of information to auditor

Each of the persons who are directors at the time when this Directors' Report is approved has confirmed that:
 
so far as the director is aware, there is no relevant audit information of which the Company's auditor is unaware, and

the director has taken all the steps that ought to have been taken as a director in order to be aware of any relevant audit information and to establish that the Company's auditor is aware of that information.

Post balance sheet events

As part of the group restructuring process, Key Holding Company Ltd, a wholly owned subsidiary of the Company, is to be liquidated, and its assets and liabilities will be hived up to the Company. The date of the liquidation is 30 May 2025. There have been no other significant events since the year end.

Future developments

The Director remains confident that 2025 will remain profitable and enable the Group to improve its current performance.

Auditor

The auditor, PKF Littlejohn LLPwill be proposed for reappointment in accordance with section 485 of the Companies Act 2006.

Page 3

 
RSCPBR A Limited
 
 
Directors' Report (continued)
For the Period Ended 31 December 2024

This report was approved by the board on 15 December 2025 and signed on its behalf.
 





S L Chadburn
Director

Page 4

 
RSCPBR A Limited
 
 
Independent Auditor's Report to the Members of RSCPBR A Limited

Opinion


We have audited the financial statements of RSCPBR A Limited (the 'Company') for the period ended 31 December 2024, which comprise the Statement of Comprehensive Income, the Balance Sheet, the Statement of Changes in Equity and notes to the financial statements, including significant accounting policies.The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including FRS 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland' (United Kingdom Generally Accepted Accounting Practice).


In our opinion the financial statements:


give a true and fair view of the state of the Company's affairs as at 31 December 2024 and of its profit for the period then ended;
have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice; and
have been prepared in accordance with the requirements of the Companies Act 2006.


Basis for opinion


We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditor's responsibilities for the audit of the financial statements section of our report. We are independent of the Company in accordance with the ethical requirements that are relevant to our audit of the financial statements in the United Kingdom, including the Financial Reporting Council's Ethical Standard and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.


Conclusions relating to going concern


In auditing the financial statements, we have concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.


Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.


Our responsibilities and the responsibilities of the directors with respect to going concern are described in the relevant sections of this report.


Page 5

 
RSCPBR A Limited
 
 
Independent Auditor's Report to the Members of RSCPBR A Limited (continued)

Other information


The other information comprises the information included in the Annual Report other than the financial statements and our Auditor's Report thereon. The directors are responsible for the other information contained within the Annual ReportOur opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon. Our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the course of the audit, or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether this gives rise to a material misstatement in the financial statements themselves. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.


We have nothing to report in this regard.


Opinion on other matters prescribed by the Companies Act 2006
 

In our opinion, based on the work undertaken in the course of the audit:


the information given in the Strategic Report and the Directors' Report for the financial period for which the financial statements are prepared is consistent with the financial statements; and
the Strategic Report and the Directors' Report have been prepared in accordance with applicable legal requirements.


Matters on which we are required to report by exception
 

In the light of the knowledge and understanding of the Company and its environment obtained in the course of the audit, we have not identified material misstatements in the Strategic Report or the Directors' Report.


We have nothing to report in respect of the following matters in relation to which the Companies Act 2006 requires us to report to you if, in our opinion:


adequate accounting records have not been kept, or returns adequate for our audit have not been received from branches not visited by us; or
the financial statements are not in agreement with the accounting records and returns; or
certain disclosures of directors' remuneration specified by law are not made; or
we have not received all the information and explanations we require for our audit.


Page 6

 
RSCPBR A Limited
 
 
Independent Auditor's Report to the Members of RSCPBR A Limited (continued)

Responsibilities of directors
 

As explained more fully in the Directors' Responsibilities Statement, the directors are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the directors determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.


In preparing the financial statements, the directors are responsible for assessing the Company's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the directors either intend to liquidate the Company or to cease operations, or have no realistic alternative but to do so.


Auditor's responsibilities for the audit of the financial statements
 

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an Auditor's Report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.


Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:
We obtained an understanding of the company and the sector in which they operate to identify laws and regulations that could reasonably be expected to have a direct effect on the financial statements. We obtained our understanding in this regard discussions with management and through our own audit experience.;
We determined the principal laws and regulations relevant to the company in this regard to be those arising from FCA rules as well as those laws and regulations that have a direct impact on the preparation of the financial statements such as the Companies Act 2006 and UK tax legislation.
We designed our audit procedures to ensure the audit team considered whether there were any indications of non-compliance by the company with those laws and regulations. These procedures included, but were not limited to:
°Review of board meeting minutes;
°Review  of legal and professional fees;
°Enquiries of management. 
We also identified the risks of material misstatement of the financial statements due to fraud. We considered, in addition to the non-rebuttable presumption of a risk of fraud arising from management override of controls, the potential for management bias in the valuation of investments as management use detailed cash flow forecasts in their impairment model to determine the value in use of the assets. We addressed this by challenging the appropriateness of judgements and estimates used in the cash flow forecasts as well as the appropriateness of the impairment models 
As in all of our audits, we addressed the risk of fraud arising from management override of controls by performing audit procedures which included, but were not limited to: the testing of journals; reviewing accounting estimates for evidence of bias; and evaluating the business rationale of any significant transactions that are unusual or outside the normal course of business.
 
Page 7

 
RSCPBR A Limited
 
 
Independent Auditor's Report to the Members of RSCPBR A Limited (continued)

Auditor's responsibilities for the audit of the financial statements (continued)
Because of the inherent limitations of an audit, there is a risk that we will not detect all irregularities, including those leading to a material misstatement in the financial statements or non-compliance with regulation.  This risk increases the more that compliance with a law or regulation is removed from the events and transactions reflected in the financial statements, as we will be less likely to become aware of instances of non-compliance. The risk is also greater regarding irregularities occurring due to fraud rather than error, as fraud involves intentional concealment, forgery, collusion, omission or misrepresentation.


A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council's website at: www.frc.org.uk/auditorsresponsibilities. This description forms part of our Auditor's Report.


Use of our report
 

This report is made solely to the Company's members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006Our audit work has been undertaken so that we might state to the Company's members those matters we are required to state to them in an Auditor's Report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the Company and the Company's members, as a body, for our audit work, for this report, or for the opinions we have formed.





James Wilkinson (Senior Statutory Auditor)
  
for and on behalf of
PKF Littlejohn LLP
 
Statutory Auditor
Chartered Accountants
  
15 Westferry Circus
Canary Wharf
London
E14 4HD

16 December 2025
Page 8

 
RSCPBR A Limited
 
 
Statement of Comprehensive Income
For the Period Ended 31 December 2024

31 December
2024
£

  

Income from investments
  
17,546,296

Profit before tax
  
17,546,296

Tax on profit
  
-

Profit for the financial period
  
17,546,296

There were no recognised gains and losses for 2024 other than those included in the statement of comprehensive income.

There was no other comprehensive income for 2024.

The notes on pages 12 to 17 form part of these financial statements.

Page 9

 
RSCPBR A Limited
Registered number:15355589

Balance Sheet
As at 31 December 2024

2024
Note
£

Fixed assets
  

Investments
 8 
344,731,100

  
344,731,100

Current assets
  

Debtors: amounts falling due within one year
 9 
1

  
1

Total assets less current liabilities
  
 
 
344,731,101

  

Net assets
  
344,731,101


Capital and reserves
  

Called up share capital 
 10 
272,086,100

Other equity
 11 
72,645,001

Total shareholders' funds
  
344,731,101


The financial statements were approved and authorised for issue by the board and were signed on its behalf on 15 December 2025.




S L Chadburn
Director

The notes on pages 12 to 17 form part of these financial statements.

Page 10

 
RSCPBR A Limited
 

Statement of Changes in Equity
For the Period Ended 31 December 2024


Called up share capital
Other equity
Profit and loss account
Total equity

£
£
£
£

At 16 December 2023
-
-
-
-


Comprehensive income for the period

Surplus and total comprehensive income for the period
-
-
17,546,296
17,546,296
Total comprehensive income for the period
-
-
17,546,296
17,546,296


Contributions by and distributions to owners

Dividends: Equity capital
-
-
(17,546,296)
(17,546,296)

Shares issued during the period
272,086,100
-
-
272,086,100

Equity pending issuance
-
72,645,001
-
72,645,001


Total transactions with owners
272,086,100
72,645,001
(17,546,296)
327,184,805


At 31 December 2024
272,086,100
72,645,001
-
344,731,101

The notes on pages 12 to 17 form part of these financial statements.

Page 11

 
RSCPBR A Limited
 
 
Notes to the Financial Statements
For the Period Ended 31 December 2024

1.


General information

RSCPBR A Limited is a private company, limited by shares, registered in England and Wales. The company's registered number and registered office address can be found on the company information page.
The presentational currency of the financial statements is Pounds Sterling (£) and the accounts are rounded to the nearest £1.

2.Accounting policies

 
2.1

Basis of preparation of financial statements

The financial statements have been prepared under the historical cost convention unless otherwise specified within these accounting policies and in accordance with Financial Reporting Standard 102, the Financial Reporting Standard applicable in the UK and the Republic of Ireland and the Companies Act 2006.

The preparation of financial statements in compliance with FRS 102 requires the use of certain critical accounting estimates. It also requires management to exercise judgement in applying the Company's accounting policies (see note 3).

The following principal accounting policies have been applied:

 
2.2

Financial Reporting Standard 102 - reduced disclosure exemptions

The Company has taken advantage of the following disclosure exemptions in preparing these financial statements, as permitted by the FRS 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland":
the requirements of Section 7 Statement of Cash Flows;
the requirements of Section 3 Financial Statement Presentation paragraph 3.17(d);
the requirements of Section 33 Related Party Disclosures paragraph 33.7.

This information is included in the consolidated financial statements of RSCPBR Limited as at 31 December 2024 and these financial statements may be obtained from Companies House, Cardiff, CF4 3UZ..

  
2.3

Exemption from preparing consolidated financial statements

The Company is a parent company that is also a subsidiary included in the consolidated financial statements of a larger group by a parent undertaking established under the law of any part of the United Kingdom and is therefore exempt from the requirement to prepare consolidated financial statements under section 400 of the Companies Act 2006.
The company and subsidiary results are included in the consolidated financial statements of the ultimate parent company, RSCPBR Limited, Saturn Building, Firstpoint, Balby Carr Bank, Doncaster, England, DN4 5JQ.

Page 12

 
RSCPBR A Limited
 
 
Notes to the Financial Statements
For the Period Ended 31 December 2024

2.Accounting policies (continued)

  
2.4

Income from investments

This represents dividend income. Dividend income is recognised when the right to receive payment is established, it is probable that the economic benefits associated with the dividend will flow to the entity, and the amount of the dividend can be measured reliably. Dividend income is presented as other income in the statement of profit or loss, unless it forms part of the entity’s ordinary activities.

 
2.5

Valuation of investments

Investments in subsidiaries are measured at cost less accumulated impairment.

  
2.6

Other equity

Other Equity are shares pending issuance represent equity instruments that the Company is contractually obligated to issue under a binding agreement but for which legal title has not yet transferred. These instruments are disclosed within equity as “Other equity” until the issuance conditions are satisfied and the shares are legally issued. 

 
2.7

Dividends

Equity dividends are recognised when they become legally payable. Interim equity dividends are recognised when paid. Final equity dividends are recognised when approved by the shareholders at an annual general meeting.


3.


Judgements in applying accounting policies and key sources of estimation uncertainty

The Directors make estimates and assumptions concerning the future. The Directors are also required to exercise judgement in the process of applying the Group’s accounting policies. Estimates and judgements are continually evaluated and are based on historical experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.
The estimates and assumptions that have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next financial year are addressed below.
Impairment of investments
When considering any impairment of investments, the directors' use impairment models with detailed cash flow forecasts to determine the value in use of the assets. The impairment testing involves significant judgements as to whether the estimated future cash flows can support the carrying value of the asset.


4.


Auditors' remuneration

During the year and at the year-end date there was no auditor's remuneration as relevant costs were borne by the company's parent company, RSCPBR Limited. 

Page 13

 
RSCPBR A Limited
 
 
Notes to the Financial Statements
For the Period Ended 31 December 2024

5.


Employees

The Company has no employees other than the directors, who did not receive any remuneration. 


6.


Income from investments

31 December
2024
£





Dividends received from subsidiary
(17,546,296)

(17,546,296)



7.


Dividends

2024
£


Iterim dividends
17,546,296

17,546,296

Interim dividends amounting to £14,046,296 and £3,500,000 were declared and paid to shareholders during the year.


8.


Fixed asset investments





Investments in subsidiary companies

£



Cost or valuation


Additions
360,517,126


Disposals
(15,786,026)



At 31 December 2024
344,731,100




Page 14

 
RSCPBR A Limited
 
 
Notes to the Financial Statements
For the Period Ended 31 December 2024

Direct and indirect subsidiary undertakings


The following were subsidiary undertakings of the Company:

Name

Registered office

Class of shares

Holding

Key Holding Company Limited
The Hedge Business Centre, Triq ir-Rampa ta’ San Giljan, St. Julians, STJ1062, Malta
Ordinary
100%
One Call Group Companies Limited
Saturn Building, FirstPoint, Balby Carr Bank, Doncaster, South Yorkshire, DN4 5JQ
Ordinary
100%
One Call Claims Limited
Saturn Building, FirstPoint, Balby Carr Bank, Doncaster, South Yorkshire, DN4 5JQ
Ordinary
100%
One Call Insurance Services Limited
Saturn Building, FirstPoint, Balby Carr Bank,Doncaster, SouthYorkshire, DN4 5JQ
Ordinary
100%
Yoga Insurance Services Limited
Saturn Building, FirstPoint, Balby Carr Bank,Doncaster, SouthYorkshire, DN4 5JQ
Ordinary
100%
One Insurance Limited
Suite 913 Europort, 
Europort Road, Gibraltar,
GX11 1AA
Ordinary
100%

Page 15

 
RSCPBR A Limited
 
 
Notes to the Financial Statements
For the Period Ended 31 December 2024

9.


Debtors

2024
£


Amount owed by parent company
1

1


Amount owed by parent company is unsecured, interest free and is repayable on demand.


10.


Share capital

2024
£
Authorised, allotted, called up and fully paid


272,086,100 Ordinary shares of £1.00 each
272,086,100




11.


Other equity

Other equity represents unissued shares for consideration of the shares in Key Holdings Ltd, a fully owned subsidiary of the Company.
On 1 July 2024, the Company had entered into an agreement to subscribe for 12,794,999 ordinary A shares of £1 each and 1 ordinary B share of £1 in its fully owned subsidiary, Key Holding Company Limited, for a total consideration of £72,645,001, as part of the group restructuring process. Prior to the transfer, the majority shareholder of Key Holding Company Limited was RSCPBR Limited, the parent company of the Company.
RSCPBR Limited held 10,747,799 ordinary A shares of £1 each in Key Holding Company Ltd and the consideration to RSCPBR Limited amounts to £61,021,800. 
Under the terms of the agreement, settlement will occur solely through the issuance of a fixed number of shares in the Company for a fixed amount of consideration. Accordingly, the Company has recognised £72,645,001 within equity as Other equity - Equity pending issuance. This amount will be reclassified to share capital upon issuance of the shares.


12.


Post balance sheet events

As part of the group restructuring process, Key Holding Company Ltd, a wholly owned subsidiary of the Company, is to be liquidated, and its assets and liabilities will be hived up to the Company. The date of the liquidation is 30 May 2025. There have been no other significant events since the year end.

Page 16

 
RSCPBR A Limited
 
 
Notes to the Financial Statements
For the Period Ended 31 December 2024

13.

Controlling Party

At 31 December 2024, the immediate parent undertaking is RSCPBR Limited, a company incorporated in the United Kingdom and registered in England and Wales. Copies of the financial statements for RSCPBR Limited can be obtained from its registered office, Saturn Building, FirstPoint, Balby Carr Bank, Doncaster, South Yorkshire, DN4 5JQ.
At 31 December 2024, the ultimate parent undertaking is RSCPBR Limited, a company incorporated in the United Kingdom and registered in England and Wales.
The parent undertaking of the largest group to consolidate their financial statements is RSCPBR Limited, a company incorporated in the the United Kingdom and registered in England and Wales. Copies of these financial statements can be obtained from Companies House, Cardiff, CF14 3UZ.
 


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