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Registered number:
FOR THE YEAR ENDED 31 DECEMBER 2025
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ONE CALL INSURANCE SERVICES LIMITED
COMPANY INFORMATION
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ONE CALL INSURANCE SERVICES LIMITED
CONTENTS
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ONE CALL INSURANCE SERVICES LIMITED
STRATEGIC REPORT
FOR THE YEAR ENDED 31 DECEMBER 2025
The directors have pleasure in submitting their strategic report for One Call Insurance Services Limited for the year ended 31 December 2025.
The results for the period and financial position of the Company are shown in the financial statements.
The Company had a year of strong sales demonstrated with turnover of £65,291,249 (2024: £59,257,147). However, this has resulted in a 17% decrease in operating profit amounting to £19,141,273 (2024: £22,980,450). The Company maintained a strong financial position with retained earnings of £48,029,617 (2024: £56,334,721) and cash and cash equivalents of £33,242,671 (2024: £41,305,315).
The Company maintains a comprehensive risk management strategy that is overseen by the compliance committee on behalf of the board. The compliance committee is comprised of board members and is chaired by a non-executive director. Risk appetite across different categories of risk is set by the board. The principal operational and strategic risks are recorded on the Company risk register, which is regularly updated and monitored by the compliance committee.
The principal risks that the Company faces are: The competitive environment of the general insurance market: The Company manages this risk by maintaining strong working relationships with its insurer and aggregator business partners. This is achieved by regular contact and producing and analysing MI to identify areas of underperformance or improvement opportunities. Regulation: The Company is regulated by the Financial Conduct Authority. This risk is managed as follows: The Company has an adequately resourced compliance department overseen by the compliance director. A comprehensive program of training and knowledge checking is operated across the business. Compliance is monitored by a rigorous "three lines of defence" approach. The compliance committee monitors this area and reports into the board. IT and cyber risks: The Company extensively transacts over the internet and continues to invest in training and its IT infrastructure to maintain data security and integrity, provide business resilience and to identify emerging threats in this fast-moving arena.
Given the straightforward nature of the business, the Company’s directors are of the opinion that analysis of key performance indicators below gives an understanding of the development, performance and position of the business.
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ONE CALL INSURANCE SERVICES LIMITED
STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2025
The Company continues to follow its clearly defined strategic objectives to deliver sustained internal growth across its car, van and home insurance business lines, whilst continually looking to product innovation and maintaining the agility to seize business opportunities as they arise.
The directors have acted in a way that they considered, in good faith, to be most likely to promote the success of One Call Insurance Services Limited for the benefit of its sole member, and in doing so had regard, amongst other matters, to:
∙The likely consequences of any decision in the long-term. The board considers the long-term consequences of its decisions and is guided by both its business plan and its risk appetite and framework.
∙The board believes in the importance of communication and engagement with employees. Communication is facilitated by the staff intranet and newsletters, along with regular one to one contact with every staff member. Regular anonymous staff culture surveys are carried out, overseen by an independent non-executive director. The Company maintains an awareness of mental health in the workplace, with all managers receiving basic training and mental health "first-aiders" with more in depth training.
∙The need to foster the Company's business relationships with customers, suppliers, the regulator and others. Seeking good customer outcomes is central to the success of the business. Management keep track of how customers perceive our products and services and review them to ensure they continue to meet the needs of our customers. Root cause analysis and learnings from complaints is also key to achieving this.
Key supplier relationships are managed by individual senior managers or directors who are in regular communication to foster a mutually beneficial relationship. Our insurer partnerships are fundamental to the success of the business.
The FCA is a key stakeholder and the board prioritises positive, open and transparent engagement. The focus on good customer outcomes will go a long way to fostering this relationship, and there is a strong program to monitor and respond to developments in regulation.
∙The board is committed to ensuring the Company is a good corporate citizen with a committed workforce.
∙The desirability of the Company maintaining a reputation for high standards of business conduct. The board believes that maintaining trust and credibility is essential to the success of the business, and that this attitude to business flows from the top throughout the business. This goes hand in hand with all the areas above in promoting the success of the Company.
∙To act fairly between members of the Company.
This report was approved by the board and signed on its behalf.
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ONE CALL INSURANCE SERVICES LIMITED
DIRECTORS' REPORT
FOR THE YEAR ENDED 31 DECEMBER 2025
The directors present their report and the financial statements for the year ended 31 December 2025.
The directors are responsible for preparing the Strategic Report, the Directors' Report and the financial statements in accordance with applicable law and regulations.
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 judgments 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 2006. They 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.
The profit for the year, after taxation, amounted to £57,845,694 (2024 - £16,920,545).
The directors recommend that no final dividend be paid.
The directors who served during the year were:
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ONE CALL INSURANCE SERVICES LIMITED
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2025
The management remain confident that 2026 will remain profitable and enable the Company to maintain and consolidate its current performance.
The Company values its staff as its most important asset. Important factors affecting the Company and its employees are regularly broadcast on the Company's internal website. There are regular staff meetings and training programmes which are considered essential to the wellbeing of the Company and its employees.
The Company has a Recruitment and Selection Policy in place which covers equal opportunities and monitoring and is satisfied that both policies and systems and controls in place are sufficient. The Company also has in place Training and Competence Policy and Procedures which govern the provision of information, employee engagement and involvement, performance, appraisals, staff consultation and communication of factors affecting the Company and is confident that the controls in place are sufficient.
The above figures have been calculated using fuel receipts, monthly utility bills and estimates including:
- burning a litre of diesel produces approximately 2.62kg of CO2 - burning a litre of petrol produces approximately 2.39kg of CO2 - 0.233kg of CO2e per KWH of electricity - 0.184kg of CO2e per KWH of gas - 1 litre of diesel = 38MJ = 10KWH - 1 litre of petrol = 32.6MJ = 9.1KWH
Emissions from purchase of electricity per employee = 0.22 (2024: 0.22) tonnes of CO2 per employee.
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ONE CALL INSURANCE SERVICES LIMITED
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2025
There have been no significant events affecting the Company since the year end.
The auditors, PKF Smith Cooper Audit Limited, will be proposed for reappointment in accordance with section 485 of the Companies Act 2006.
This report was approved by the board and signed on its behalf.
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ONE CALL INSURANCE SERVICES LIMITED
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF ONE CALL INSURANCE SERVICES LIMITED
We have audited the financial statements of One Call Insurance Services Limited (the 'Company') for the year ended 31 December 2025, which comprise the Statement of Comprehensive Income, the Balance Sheet, the Statement of Changes in Equity and the related notes, including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland' (United Kingdom Generally Accepted Accounting Practice).
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.
The other information comprises the information included in the Annual Report other than the financial statements and our Auditors' Report thereon. The directors are responsible for the other information contained within the Annual Report. Our 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.
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ONE CALL INSURANCE SERVICES LIMITED
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF ONE CALL INSURANCE SERVICES LIMITED (CONTINUED)
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 year 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.
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.
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ONE CALL INSURANCE SERVICES LIMITED
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF ONE CALL INSURANCE SERVICES LIMITED (CONTINUED)
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 Auditors' 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:
Based on our understanding of the Company and industry, we identify the key laws and regulations affecting the Company including FCA regulations. We identified that the principal risk of fraud or non-compliance with laws and regulations related to:
∙management bias in respect of accounting estimates and judgements made;
∙management override of control;
∙posting of unusual journals or transactions.
We focussed on those areas that could give rise to a material misstatement in the Company financial statements. Our procedures included, but were not limited to:
∙Enquiry of management and those charged with governance around actual and potential litigation and
claims, including instances of non-compliance with laws and regulations and fraud;
∙Reviewing legal expenditure in the year to identify instances of non-compliance with laws and regulations
and fraud;
∙Reviewing financial statement disclosures and testing to supporting documentation to assess compliance
with applicable laws and regulations;
∙Performing audit work over the risk of management override of controls, including testing of journal entries
and other adjustments for appropriateness, evaluating the business rationale of significant transactions outside the normal course of business and reviewing accounting estimates for bias. In particular the impairment of insurance debtors.
It is the primary responsibility of management, with the oversight of those charged with governance, to ensure that the entity's operations are conducted in accordance with the provisions of laws and regulations and for the prevention and detection of fraud.
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 Auditors' Report.
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ONE CALL INSURANCE SERVICES LIMITED
INDEPENDENT AUDITORS' REPORT TO THE MEMBERS OF ONE CALL INSURANCE SERVICES LIMITED (CONTINUED)
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 2006. Our 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 Auditors' 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.
for and on behalf of
Statutory Auditors
2 Lace Market Square
NG1 1PB
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ONE CALL INSURANCE SERVICES LIMITED
STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 31 DECEMBER 2025
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ONE CALL INSURANCE SERVICES LIMITED
REGISTERED NUMBER: 04693136
BALANCE SHEET
AS AT 31 DECEMBER 2025
The financial statements were approved and authorised for issue by the board and were signed on its behalf by:
The notes on pages 13 to 27 form part of these financial statements.
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ONE CALL INSURANCE SERVICES LIMITED
STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2025
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ONE CALL INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
One Call Insurance Services Limited is a Company limited by shares and incorporated in England and Wales. The registered Company number is 04693136 and the registered office is Saturn Building, First Point, Balby Carr Bank, Doncaster, South Yorkshire, DN4 5JQ.
2.Accounting policies
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 judgment in applying the Company's accounting policies (see note 3). The financial statements are prepared in sterling which is the functional currency of the Company and are rounded to the nearest £1. The following principal accounting policies have been applied:
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 2025 and these financial statements may be obtained from Companies House, Cardiff, CF4 3UZ.
In preparing the financial statements on a going concern basis, the Directors have paid due regard to relevant forecast financial information, including cash flows, and factored in sensitivities and uncertainties affecting the Company. In the Directors' opinion, the Company is a going concern for a minimum of twelve months from the date of the approval of the financial statements.
Turnover relating to multi-year contracts is recognised according to the inception of each annual policy. Charges applied and written off within a short timescale are treated as a reduction in turnover. Costs involved in earning commissions, fees or other income are written off to the profit and loss account as they occur unless they involve contractual performance over a period of time.
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ONE CALL INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
2.Accounting policies (continued)
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ONE CALL INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
2.Accounting policies (continued)
Depreciation is provided on the following basis:
The assets' residual values, useful lives and depreciation methods are reviewed, and adjusted prospectively if appropriate, or if there is an indication of a significant change since the last reporting date.
Gains and losses on disposals are determined by comparing the proceeds with the carrying amount and are recognised in profit or loss. Transfers of property between group entities have been made at net book value which is considered to be the fair value. There is no commercial impact on the group as a result of such transactions.
The Company acts as agent in broking the insurable risks of clients and normally is not liable as a principal for premiums due to underwriters or for claims payable to clients. Notwithstanding the legal relationship with clients and underwriters, the Company has followed generally accepted accounting practice for insurance brokers by showing debtors, creditors and cash balances relating to insurance business as assets and liabilities of the Company itself. This recognises that the Company is entitled to retain the investment income on any cash flows arising from these transactions.
In the ordinary course of insurance broking business, settlement is required to be made with certain insurance intermediaries or insurance companies on the basis of the net balance due to or from them rather than the amount due to or from the individual third parties which it represents. However, under Financial Reporting Standard 102 ("FRS102") assets and liabilities may not be offset unless net settlement is legally enforceable, and therefore insurance broking debtors and creditors are shown gross within these financial statements. The Company bears the bad debt risk for non payment of premiums in certain circumstances. Insurance debtor balances are adjusted for irrecoverable amounts.
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ONE CALL INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
2.Accounting policies (continued)
The Company maintains separate trust accounts for premiums, claims funds, and other monies held on behalf of policyholders, claimants, and intermediaries. These funds are kept strictly segregated from the Company’s own operating monies and are used only for their intended insurance purposes. All receipts and payments are properly documented, authorised, and recorded, with trust accounts reconciled monthly to ensure accuracy. Intermediaries and third party administrators holding funds on the Company’s behalf are required to follow equivalent standards. Trust account activity is subject to internal review, external audit, and regulatory oversight.
The Company only enters into basic financial instrument transactions that result in the recognition of financial assets and liabilities like trade and other debtors and creditors, loans from banks and other third parties, loans to related parties and investments in ordinary shares.
Debt instruments (other than those wholly repayable or receivable within one year), including loans and other accounts receivable and payable, are initially measured at present value of the future cash flows and subsequently at amortised cost using the effective interest method. Debt instruments that are payable or receivable within one year, typically trade debtors and creditors, are measured, initially and subsequently, at the undiscounted amount of the cash or other consideration expected to be paid or received. However, if the arrangements of a short-term instrument constitute a financing transaction, like the payment of a trade debt deferred beyond normal business terms or in case of an out-right short-term loan that is not at market rate, the financial asset or liability is measured, initially at the present value of future cash flows discounted at a market rate of interest for a similar debt instrument and subsequently at amortised cost. Financial assets that are measured at cost and amortised cost are assessed at the end of each reporting period for objective evidence of impairment. If objective evidence of impairment is found, an impairment loss is recognised in the Statement of Comprehensive Income.
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ONE CALL INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
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. Recoverability of insurance debtors The directors make estimates of the recoverable value of insurance debtors. When assessing impairment of insurance debtors, the directors consider the historical collection data and ageing profile of debtors.
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ONE CALL INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
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ONE CALL INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
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ONE CALL INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
Page 20
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ONE CALL INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
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ONE CALL INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
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ONE CALL INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
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ONE CALL INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
Capital redemption reserve
Profit and loss account
The Company operates a defined contribution pension scheme. The assets of the scheme are held separately from those of the Company in an independently administered fund. The pension cost charge represents contributions payable by the Company to the fund and amounted to £332,177 (2024: £298,546).
Contributions totalling £108,609 (2024: £93,390) were payable to the fund at the balance sheet date.
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ONE CALL INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
25.Other financial commitments
A fixed and floating charge over company assets was provided to Lloyds Bank plc on 24 November 2017 securing all monies and liabilities due to the bank.
As at the balance sheet date an amount of £13,676,339 (2024: £8,532,929) was due to the directors.
No interest has been charged on these loans. The directors have provided guarantees against loss or damage caused by a breach of terms and conditions with various insurers.
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ONE CALL INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
Page 26
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ONE CALL INSURANCE SERVICES LIMITED
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2025
27.Related party transactions (continued)
The immediate parent company is One Call Group Companies Ltd, the intermediate holding company is RSCPBR A Limited. The ultimate holding company is RSCPBR Limited, a company incorporated in England and Wales. Consolidated accounts are available from Companies House, Cardiff, CF4 3UZ. The registered office of the ultimate parent company is Saturn Building, Firstpoint, Balby Carr Bank, Doncaster, DN4 5JQ.
The controlling party is Mr J L Radford.
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