Scrutton Bland Financial Services Limited
Registered name: SCRUTTON BLAND FINANCIAL SERVICES LIMITED
Part of Amber River Group Limited groupScrutton Bland Financial Services Limited made £1.4m revenue and a £124k loss in the year to 31 Dec 2024.
Scrutton Bland Financial Services Limited’s revenue fell 32% to £1.4m in the year to 31 Dec 2024, with a loss of £124k and 17 employees. The company is classified under “life insurance” and is based in Colchester; we hold 3 years of its filed accounts.
- Status
- Active
- Location
- Colchester
- Age
- 49 yrs · since 1976
- Type
- Private Limited Company
Key figures
Financial history
| Year to | 31 Dec 2022 | 31 Dec 2023 | 31 Dec 2024 |
|---|---|---|---|
| Disclosure | Full P&L | Full P&L | Full P&L |
| Profit & loss | |||
| Revenue (turnover) | £3m | £2.1m | £1.4m |
| Gross profit | £3m | £2.1m | £1.4m |
| Operating profit | £55.1k | −£350k | −£192k |
| Profit before tax | £48.8k | −£353k | −£191k |
| Profit after tax | £20.1k | −£289k | −£124k |
| Profit (best available) | £20.1k | −£289k | −£124k |
| Employees (average) | 35 | 29 | 17 |
| Ratios | |||
| Profit margin | 0.7% | −13.8% | −8.7% |
| Gross margin | 100% | 100% | 100% |
| Revenue per employee | £86.1k | £72.3k | £83.7k |
| Profit per employee | £575 | −£10k | −£7.3k |
| Growth (year on year) | |||
| Revenue growth | — | ▼30.4% | ▼32.2% |
| Profit growth | — | ▼1534% | — |
| Headcount growth | — | ▼17.1% | ▼41.4% |
| Balance sheet — indirect signals, not revenue | |||
| Net assets | — | — | — |
| Source | Accounts · bulk data Oct 2024 | Accounts · bulk data Oct 2024 | Accounts · bulk data Sep 2025 |
How the business works
- Profit margin
- −8.7%
- Profit ÷ revenue.
- Gross margin
- 100%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £83.7k
- Revenue ÷ average employees.
- Profit per employee
- −£7.3k
- Profit ÷ average employees.
- Cash conversion
- —
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- —
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- —
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- —
- Money owed by customers. Low = customers pay quickly.
Balance-sheet signals
Year-on-year changes in filed balance-sheet items. They can hint at momentum (or investment) but are not revenue or profit and must not be read as such.
- Net assets
- —
- Now —
- Cash at bank
- —
- Now —
- Headcount
- ▼41%
- Now 17
- Deferred income
- —
- Now —
- Fixed assets
- —
- Now —
Group structure
Ownership chain
- Amber River Group Limitedultimate parent75–100%
- Emery (Ifa) Limited75–100%
- Scrutton Bland Financial Services Limitedthis company
Bands show the share of ownership each company holds in the one below it.
Sister companies (3)
- J M Wakeling Independent Financial Advisers LimitedRev. £310k · Profit £128k
- Orwell Securities (Ipswich) LimitedFigures not disclosed
- The Broughton Wilkins Partnership LtdFigures not disclosed
From the Persons with Significant Control register (corporate controllers only).
Sources
Latest figures from accounts for the year to 31 Dec 2024 (profit −£124k), from the Companies House accounts bulk data published Sep 2025. Spotted an error? Request a correction.
Updated from Companies House on 25 Oct 2026
Contains public sector information from Companies House licensed under the Open Government Licence v3.0. Data from Companies House, © Crown copyright. View the licence.