ARAG LEGAL EXPENSES INSURANCE COMPANY LIMITED
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Cash
—
Latest balance sheet
Net assets
£33m
+82.3% highest in 3 filed years
Employees
893
+33.7% highest in 3 filed years
Profit before tax
-£4.1m
+24.2% vs 2024
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Gross written premiums | £139,304,000 | £141,390,000 | £216,665,000 | +53.2% | |
| Net earned premiums | £13,795,000 | £13,043,000 | £17,083,000 | +31% | |
| Claims incurred | £16,261,000 | £16,745,000 | £18,110,000 | +8.2% | |
| Investment return | £2,883,000 | £2,852,000 | £5,159,000 | +80.9% | |
| Profit before tax | -£1,537,000 | -£5,344,000 | -£4,052,000 | +24.2% | |
| Net profit | -£1,108,000 | -£3,984,000 | -£3,039,000 | +23.7% | |
| Insurance contract liabilities | £258,856,000 | £272,014,000 | £354,640,000 | +30.4% | |
| Total assets | £527,199,000 | £547,222,000 | £712,169,000 | +30.1% | |
| Total liabilities | £506,611,000 | £528,966,000 | £678,895,000 | +28.3% | |
| Equity | £20,588,000 | £18,256,000 | £33,274,000 | +82.3% | |
| Average employees | 639 | 668 | 893 | +33.7% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | 96.1% | 96.7% | 95.3% |
Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 1 time since incorporation
- ARAG LEGAL EXPENSES INSURANCE COMPANY LIMITED 2025-01-15 → present
- D A S LEGAL EXPENSES INSURANCE COMPANY LIMITED 1909-05-28 → 2025-01-15
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on their review, the Directors consider that it is reasonable to conclude that the Company will continue as a going concern for a period of at least twelve months from the date on which the Financial Statements were approved.”
Significant events
- “During the year, one Ordinary Share of £1 was issued, resulting in an increase in share premium of £14,999,999. This increase was subsequently cancelled, with the corresponding amount distributed to other reserves.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
11 active · 44 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BROWN, Catherine Jane | Secretary | 2013-04-01 | — | — |
| CASE, Brynley | Secretary | 2017-04-15 | — | — |
| CASE, Brynley Richard | Director | 2025-09-01 | Dec 1976 | British |
| COULTON, Louise Hazel | Director | 2024-08-13 | Jul 1976 | British |
| DIRKSEN, Renko Harm, Dr | Director | 2024-01-02 | Dec 1976 | German |
| HAYNES, David Martin | Director | 2025-01-13 | Nov 1965 | British |
| HOCK, Dirk | Director | 2024-04-02 | Jan 1971 | German |
| MACMILLAN, Neil Stephen | Director | 2015-12-03 | Nov 1962 | British |
| MASLATON, Matthias, Dr | Director | 2024-01-02 | Oct 1969 | German |
| PETERSEN, Hanno | Director | 2024-01-02 | Jun 1967 | German |
| ROBERTS, Gareth John | Director | 2015-12-03 | Sep 1959 | British |
Show 44 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ALLEN, David Stuart | Secretary | 2003-07-01 | 2008-11-28 |
| MORTIMER, Kathryn Jane | Secretary | 2008-11-28 | 2013-03-31 |
| VEYSEY, Patrick James | Secretary | — | 2003-06-17 |
| ASPLIN, Paul John | Director | 1997-11-27 | 2015-03-08 |
| BAUER, Rudiger | Director | 2000-03-15 | 2012-03-13 |
| BERNAYS, Annie Fiona | Director | 2023-04-19 | 2024-02-01 |
| BIERMANN, Thomas | Director | 2019-06-25 | 2023-04-19 |
| BURKE, Andrew John | Director | 2015-03-03 | 2021-12-31 |
| BUSS, Anthony John | Director | 2024-04-02 | 2025-03-31 |
| CORAM, Anthony | Director | 2019-11-19 | 2024-12-03 |
| COSKUN, Timur | Director | 2014-10-17 | 2017-09-15 |
| COX, Gerald | Director | 2017-06-22 | 2019-03-31 |
| DE COSTER, Rudolf, Herr | Director | — | 2000-03-15 |
| DR DASSOW, Gerhard Joachim | Director | 1993-06-16 | 1997-03-27 |
| FRICKE, Werner Heinrich Theodor, Dr | Director | — | 1993-06-03 |
| GAMBARDELLA, Donald Michael | Director | 2011-03-15 | 2013-09-24 |
| GIBSON, Paul Nigel | Director | 2008-11-25 | 2013-09-27 |
| HAAS, Stefan Herbert | Director | 2012-01-01 | 2014-10-16 |
| HENDERSON, James Conroy | Director | 2016-10-17 | 2021-07-31 |
| HOLDSWORTH, Anthony Edward | Director | — | 2002-03-31 |
| HUBER, Rainer | Director | 2007-12-27 | 2014-10-16 |
| JANNAKOS, Thomas Evangelos, Dr | Director | 2013-10-24 | 2017-04-30 |
| JENKINS, Bryan Peter | Director | 2008-11-14 | 2015-11-28 |
| JURECKA, Christoph, Dr | Director | 2014-10-16 | 2018-06-20 |
| KAAZ, Christine | Director | 2021-08-01 | 2024-01-02 |
| MESSEMER, Jochen Karl Friedrich, Dr | Director | 2014-10-16 | 2016-11-18 |
| MIHELE, Ilona | Director | 2021-02-01 | 2024-01-02 |
| MORRIS, Karen Anne | Director | 2016-10-26 | 2023-08-31 |
| MUELLER-GOTTHARD, Edgar, Herr | Director | — | 2000-03-15 |
| NIBBE, Wulf | Director | 2000-03-15 | 2003-11-21 |
| PERRIN, Leslie Charles | Director | 2006-12-18 | 2015-11-16 |
| SAZONOVS, Deniss | Director | 2018-09-18 | 2019-12-31 |
| SCHAUTES, Dirk Christoph, Dr | Director | 2019-11-19 | 2021-07-31 |
| SEBOLD-BENDER, Monika, Dr | Director | 2017-09-15 | 2018-12-31 |
| STOECKL, Peter Sebastian | Director | 2012-03-13 | 2014-10-16 |
| SWIGCISKI, David Philip | Director | 2022-11-28 | 2024-02-01 |
| TIMMINS, Paul Robert | Director | 2012-01-01 | 2015-10-16 |
| TOGEL, Rainer Thomas | Director | 2009-04-20 | 2011-03-15 |
| VETTER, Jurgen | Director | 2003-11-21 | 2007-11-30 |
| VEYSEY, Patrick James | Director | 2002-03-12 | 2003-06-17 |
| VON LACKUM, Lars Christian Heinrich Gunter Eugen | Director | 2017-03-01 | 2018-12-31 |
| WIEGAND, Peter, Herr | Director | — | 2008-12-01 |
| WILLMES, Oliver Martin, Dr | Director | 2021-08-01 | 2024-01-02 |
| WREN, Martin Geoffrey | Director | 2003-09-01 | 2008-11-14 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Arag Uk Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 245 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-09-29 RESOLUTIONS Resolution
- 2025-01-15 CERTNM Certificate change of name company
- 2025-01-15 NM06 Change of name request comments
- 2025-01-15 CONNOT Change of name notice
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-17 | AA | accounts | Accounts with accounts type full | |
| 2026-06-29 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-09-29 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2025-09-29 | SH20 | capital | Legacy | |
| 2025-09-29 | CAP-SS | insolvency | Legacy | |
| 2025-09-29 | RESOLUTIONS | resolution | Resolution | |
| 2025-09-25 | SH01 | capital | Capital allotment shares | |
| 2025-09-11 | AA | accounts | Accounts with accounts type full | |
| 2025-09-10 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-24 | AUD | auditors | Auditors resignation company | |
| 2025-07-01 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-07-01 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-04-09 | TM01 | officers | Termination director company with name termination date | |
| 2025-01-20 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-15 | CERTNM | change-of-name | Certificate change of name company | |
| 2025-01-15 | NM06 | change-of-name | Change of name request comments | |
| 2025-01-15 | CONNOT | change-of-name | Change of name notice | |
| 2024-12-31 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-12-16 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-23 | PSC05 | persons-with-significant-control | Change to a person with significant control |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- Capital events
- 3
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.