WESTERN PROVIDENT ASSOCIATION LIMITED
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Cash
—
Latest balance sheet
Net assets
£180M
+8.6% highest in 3 filed years
Employees
503
+4.8% highest in 3 filed years
Profit before tax
£18M
+45.6% highest in 3 filed years
Net assets
3-year trend · vs Financials median
WESTERN PROVIDENT ASSOCIATION LIMITED·Financials median
WESTERN PROVIDENT ASSOCIATION LIMITED·Financials median
WESTERN PROVIDENT ASSOCIATION LIMITED·Financials median
WESTERN PROVIDENT ASSOCIATION LIMITED·Financials median
WESTERN PROVIDENT ASSOCIATION LIMITED·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 | — | £170,162,000 | £192,347,000 | +13% | |
| Net earned premiums | — | — | — | — | |
| Claims incurred | — | £160,145,000 | £179,411,000 | +12% | |
| Investment return | — | £10,398,000 | £12,346,000 | +18.7% | |
| Profit before tax | -£11,175,000 | £12,372,000 | £18,019,000 | +45.6% | |
| Net profit | -£8,175,000 | £9,674,000 | £13,897,000 | +43.7% | |
| Insurance contract liabilities | — | £33,512,000 | £39,634,000 | +18.3% | |
| Total assets | £200,088,000 | £210,485,000 | £231,073,000 | +9.8% | |
| Total liabilities | — | £45,084,000 | £51,492,000 | +14.2% | |
| Equity | £159,596,000 | £165,401,000 | £179,581,000 | +8.6% | |
| Average employees | 413 | 480 | 503 | +4.8% |
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 |
|---|---|---|---|---|
| Net margin | -5.5% | 5.7% | — | |
| Gearing (liabilities / total assets) | — | 21.4% | 22.3% | |
| Current ratio | 0.20x | 0.26x | — |
Margins divide P&L lines by turnover. 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
- WESTERN PROVIDENT ASSOCIATION LIMITED 1979-12-31 → present
- WESTERN PROVIDENT ASSOCIATION FOR HOSPITAL & NURSING HOME SERVICES LIMITED (THE) 1949-12-01 → 1979-12-31
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Following the performance of this evaluation the Directors have concluded that the Company and Group remain a going concern.”
Group structure
- WESTERN PROVIDENT ASSOCIATION LIMITED · parent
- WPA Healthcare Practice Plc 100%
- WPA Investments Limited 100%
- WPA Protocol Plc 100%
- WPA World Class Service (India) Private Ltd 100%
- WPA Health Trustee Limited 100%
- WPA Pension Trustees Limited 100%
- Delos IT Solutions Limited 100%
- Self-Pay Limited 100%
- Stoploss Insurance Services Limited 100%
- WPA Insurance Services Limited 100%
- WPA Investments (Development) Limited 100%
- WPA Property Services Limited 100%
- XS Health Limited 100%
- XS Insurance Services Limited 100%
Significant events
- “The defined benefit pension scheme initiated a buy-in February 2024 which saw the assets of the Scheme transferred to the insurer. The Association triggered wind up in January 2026. The administration of the Scheme moved to the insurer in March 2026, with the completion of the buy-out phase due shortly thereafter. At this point the Scheme liabilities, as shown in note 17, move to the insurer.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
15 active · 44 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BELL, Kimberley Jayne | Secretary | 2023-03-29 | — | — |
| CHAPMAN, Andrew Donald Sutcliffe | Director | 2022-04-20 | Jun 1958 | British |
| EAVIS, Donna Mary | Director | 2025-01-01 | Nov 1969 | British |
| GENTLE, Craig Gordon | Director | 2024-05-09 | May 1968 | British |
| GILL, Jasper Anthony | Director | 2019-02-22 | Dec 1973 | British |
| IRWIN, Nathan Luke | Director | 2013-04-11 | Apr 1979 | British |
| JOHNSON, Rosalind Andrea | Director | 2020-06-18 | Mar 1951 | British |
| LEE, Robert Edmund | Director | 2009-10-05 | Jun 1957 | British |
| OBEY, Anne | Director | 2020-10-14 | Mar 1963 | British |
| PIERREPONT, Camilla Jane Buttery | Director | 2023-06-27 | Nov 1981 | British |
| SEARLE, James Charles | Director | 2023-05-11 | Oct 1976 | British |
| SHIER, Sharon | Director | 2025-01-01 | Jul 1972 | British |
| SOUTHERN, Mark John | Director | 2020-03-25 | Feb 1977 | British |
| VENABLES, Peter Robert Charles | Director | 2020-03-25 | Aug 1982 | British |
| WATKIN, Robert Edward | Director | 2024-05-09 | Sep 1979 | British |
Show 44 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HAWORTH, Andrew Nathan | Secretary | 2014-06-23 | 2016-07-01 |
| JOHNSON, Rosalind Andrea | Secretary | — | 2014-06-20 |
| ROYLE, Nicola Anne | Secretary | 2016-07-01 | 2023-03-22 |
| ASHDOWN, David George | Director | — | 1997-11-28 |
| BAILEY, Ian Severn, Dr | Director | — | 1995-05-11 |
| BARING, Evelyn Rowland Esmond, The Rt Hon The Earl Of Cromer | Director | 2004-01-14 | 2025-01-23 |
| BLACKWELL, Nigel Stirling | Director | — | 2004-01-12 |
| BRAMSTON, Rodney Adrian | Director | 2001-11-14 | 2024-12-31 |
| BUTLER, Kevin Yardley | Director | 2012-02-15 | 2017-05-03 |
| CHAMBERS, Mark | Director | 2009-10-05 | 2017-02-22 |
| CHESTER, John Frederick | Director | 2010-06-28 | 2023-03-29 |
| CLAISSE, Douglas Martin | Director | 1992-02-04 | 1997-12-31 |
| CLARK, Peter Nigel Stuckey | Director | 2004-05-17 | 2006-06-11 |
| COATES, Clive Frederick | Director | 1998-07-01 | 2003-09-01 |
| COLLETT, Michael Royston | Director | — | 1994-09-30 |
| COLLINS, Charles Douglas | Director | 1995-04-20 | 2016-02-01 |
| FODEN, Michael James | Director | 1994-08-03 | 2017-05-03 |
| GOODMAN, Brian Ewens Michael | Director | 2020-03-25 | 2024-12-31 |
| GRINDLEY, Robert David | Director | — | 1992-04-03 |
| HAWORTH, Andrew Nathan | Director | 2014-10-21 | 2022-12-16 |
| HEATHCOAT AMORY, David Philip | Director | 2007-11-07 | 2012-05-05 |
| HUMPHREYS, Adrian Macmahon | Director | 2001-11-14 | 2014-10-31 |
| JOHNSON, Rosalind Andrea | Director | 1997-12-01 | 2014-06-20 |
| KENYON, Henry James | Director | 2006-10-18 | 2024-01-01 |
| KRAMER, Martin Cedric | Director | 2009-08-07 | 2020-12-03 |
| LANGFORD, Graham | Director | 1994-08-03 | 1997-04-07 |
| LEWIS, Robert William Gerald | Director | 1995-11-01 | 2007-11-07 |
| MAYHEW, Patrick Barnabas Burke, The Rt Hon Lord | Director | 1997-09-02 | 2007-11-07 |
| MERRISON, Maureen Michele, Lady | Director | — | 1998-05-18 |
| MUTTEEN, David | Director | — | 1993-11-01 |
| PACE, Simone John | Director | — | 1992-08-20 |
| PITCHFORD, Alison Julie | Director | 1994-08-03 | 1998-09-23 |
| POLLITT, Robert Arthur | Director | — | 1995-10-31 |
| PUGH, Arthur John | Director | 2015-06-26 | 2024-05-09 |
| PUGH, Arthur John | Director | 2004-03-17 | 2013-04-19 |
| QUICK, Elizabeth Jane | Director | 1993-02-10 | 1994-10-26 |
| RILEY, Rachel Jane | Director | 2014-03-01 | 2018-03-23 |
| ROUTLEFF-JONES, Christopher James | Director | — | 1992-12-04 |
| SCHULER, Adrian John | Director | 1996-11-27 | 2008-08-31 |
| STAINTON, Julian Clifford | Director | — | 2019-08-30 |
| WILSEY, John Finlay Willasey, General Sir | Director | 1996-06-02 | 2009-03-30 |
| WILSON, Arthur John | Director | 1994-08-03 | 1994-10-13 |
| WORSLEY, Richard, Sir | Director | — | 1996-07-01 |
| WRIGHT, John Alexander | Director | 1995-02-15 | 2004-03-17 |
Ownership
Persons with significant control
No persons with significant control on record.
Filing timeline
Last 20 of 261 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-14 | AA | accounts | Accounts with accounts type group | |
| 2025-07-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-22 | AA | accounts | Accounts with accounts type group | |
| 2025-02-10 | TM01 | officers | Termination director company with name termination date | |
| 2025-01-07 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-07 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-07 | TM01 | officers | Termination director company with name termination date | |
| 2025-01-07 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-05-22 | AA | accounts | Accounts with accounts type group | |
| 2024-05-16 | AP01 | officers | Appoint person director company with name date | |
| 2024-05-15 | AP01 | officers | Appoint person director company with name date | |
| 2024-05-15 | TM01 | officers | Termination director company with name termination date | |
| 2024-01-02 | TM01 | officers | Termination director company with name termination date | |
| 2023-07-17 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-06-28 | AP01 | officers | Appoint person director company with name date | |
| 2023-06-13 | AA | accounts | Accounts with accounts type group | |
| 2023-05-16 | AP01 | officers | Appoint person director company with name date | |
| 2023-03-30 | AP03 | officers | Appoint person secretary company with name date | |
| 2023-03-30 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- Capital events
- 0
- 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.