PINNACLE INSURANCE LIMITED
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Cash
—
Latest balance sheet
Net assets
£106M
-14.2% lowest in 3 filed years
Employees
390
+27% highest in 3 filed years
Profit before tax
£14M
+149.5% highest in 3 filed years
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 | — | £200,979,000 | £780,885,000 | +288.5% | |
| Net earned premiums | — | £84,922,000 | £272,663,000 | +221.1% | |
| Claims incurred | — | £55,694,000 | £169,535,000 | +204.4% | |
| Investment return | — | £6,545,000 | £6,182,000 | -5.5% | |
| Profit before tax | -£12,688,000 | -£28,223,000 | £13,981,000 | +149.5% | |
| Net profit | -£12,509,000 | -£23,031,000 | £15,916,000 | +169.1% | |
| Insurance contract liabilities | — | £131,924,000 | £400,370,000 | +203.5% | |
| Total assets | £298,827,000 | £358,859,000 | £825,150,000 | +129.9% | |
| Total liabilities | — | £235,273,000 | £719,148,000 | +205.7% | |
| Equity | £146,617,000 | £123,586,000 | £106,002,000 | -14.2% | |
| Average employees | 294 | 307 | 390 | +27% |
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 |
|---|---|---|---|---|
| Operating margin | -13.1% | -17.3% | — | |
| Net margin | -8.3% | -11.5% | — | |
| Return on capital employed | -8.2% | -17.9% | — | |
| Gearing (liabilities / total assets) | 50.9% | 65.6% | 87.2% | |
| Current ratio | 4.96x | 1.75x | — |
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 2 times since incorporation — the current trading name was adopted 2025-04-07
- PINNACLE INSURANCE LIMITED 2025-04-07 → present
- PINNACLE INSURANCE PLC 1993-06-01 → 2025-04-07
- PINNACLE INSURANCE COMPANY PLC 1971-04-14 → 1993-06-01
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“As such, after making enquiries, the Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for the period to 31 December 2027. For this reason, they continue to adopt the going concern basis in preparing the financial statements.”
Significant events
- “On 31 December 2024, the terms of a scheme under Part VII of the Financial Services and Markets Act 2000 to transfer the non pet general business to ElFlow Insurance limited was approved by the Court of Session. The Part VII transfer was conducted with effect from 31 December 2024.”
- “The Company has completed a Board-approved capital reduction, decreasing its share capital by £80.3m and cancelling the share premium reserve of £23.3m. In total, £103.6m has been transferred to retained earnings.”
- “Approval of Interim dividend £33.5m.”
- “After the reporting date the directors proposed a final dividend of £32.3m in total. This dividend has not been recognised as a liability in the financial statements as it was not declared at the reporting date.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
10 active · 40 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| LORIMER, Matthew Justin | Secretary | 2006-06-30 | — | British |
| BEECKMAN, Dirk Christiane Luc | Director | 2022-06-30 | Dec 1975 | Belgian |
| CUIPER, Thae Olav | Director | 2024-06-19 | Jan 1958 | Dutch |
| IORDACHE, Carmen Andreea | Director | 2022-06-30 | Nov 1982 | Romanian |
| LORIMER, Matthew Justin | Director | 2015-04-01 | Jun 1967 | British |
| MAY, Sophie Margaret | Director | 2020-12-10 | Sep 1972 | British |
| SCARR, Craig Anthony | Director | 2022-05-16 | Jun 1962 | British |
| SURI, Sanchit | Director | 2024-12-18 | Aug 1979 | British |
| WAINWRIGHT, Simon | Director | 2025-03-24 | Apr 1963 | British |
| WIGG, Andrew Miles | Director | 2013-03-21 | Jun 1972 | British |
Show 40 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CRANSTON, Kareen | Secretary | 2002-09-27 | 2005-09-09 |
| DRAZIN, Shirley | Secretary | — | 1991-10-04 |
| MILLS, Christopher Simon | Secretary | 1991-10-04 | 2002-09-27 |
| CARDIF PINNACLE SECRETARIES LIMITED | Corporate Secretary | 2005-09-09 | 2006-06-30 |
| ANDRIEU, Pierre | Director | 1991-10-04 | 1998-06-19 |
| ATKINSON, Natalie Jayne | Director | 2010-03-08 | 2014-05-31 |
| BINET, Gerard | Director | 2007-11-29 | 2022-02-09 |
| BLOXHAM, Peter John | Director | 2002-08-07 | 2008-03-31 |
| BOX, Peter John | Director | 2012-09-06 | 2019-11-26 |
| CARTE, Brian Addison | Director | 2009-03-12 | 2012-01-28 |
| CASTAGNO, John | Director | 2007-11-29 | 2013-01-11 |
| CHEVALET, Stanislas Louis Paul Francois | Director | 2016-01-07 | 2025-03-27 |
| DE TALHOUET, Emmanuel | Director | 2022-06-30 | 2024-12-31 |
| DREYER, Anthony William | Director | 1999-09-24 | 2008-06-30 |
| GLEN, Paul Edward | Director | 2006-08-01 | 2015-12-17 |
| GOLDING, Adam Jon | Director | 2007-11-29 | 2012-06-10 |
| HADERER, Marie | Director | 2016-11-23 | 2021-11-17 |
| HINES, Richard Adam | Director | 2019-11-28 | 2025-08-31 |
| LAROCHE, Jean-Bertrand Marie | Director | 2015-09-24 | 2016-11-24 |
| LEVINKIND, Julius | Director | — | 1994-06-30 |
| MCKINNEY, Craig | Director | — | 1991-10-04 |
| MEE, Robert James | Director | 2003-09-26 | 2012-09-06 |
| MILLS, Christopher Simon | Director | 1999-09-24 | 2007-03-31 |
| MORRIS, Michael Sachs | Director | — | 1994-06-30 |
| PERCIVAL, Mervyn | Director | — | 1991-10-04 |
| PRIESTLEY, Leslie William | Director | — | 2003-12-31 |
| RAINGOLD, Gerald Barry | Director | 1996-06-21 | 2009-03-25 |
| RENNIE, Helen Elspeth | Director | 2020-12-10 | 2022-06-30 |
| ROCHEZ, Nicholas Dutfield | Director | 2012-11-13 | 2022-06-06 |
| SCHWICK, Christopher John | Director | — | 2007-06-26 |
| SHACKELL, Ian Richard Charles | Director | 2008-09-25 | 2011-03-11 |
| SHUKER, Norman Alan | Director | — | 2007-06-26 |
| SWAIN, Andrew Donald | Director | 2006-06-30 | 2011-12-31 |
| VILLENEUVE, Pierre De Portier De | Director | 1991-10-04 | 2007-11-29 |
| WILLIAMS, Stephen David | Director | 1999-09-24 | 2006-03-17 |
| BANQUE FINANCIERE CARDIF | Corporate Director | 1991-10-04 | 2006-03-31 |
| BNP PARIBAS CARDIF | Corporate Director | 1991-10-04 | 2015-09-24 |
| CARDIF ASSURANCE-VIE | Corporate Director | 1991-10-04 | 2016-01-07 |
| CARDIF ASSURANCES RISQUES DIVERS | Corporate Director | 2006-03-31 | 2015-09-24 |
| PARIBAS LIMITED | Corporate Director | 1993-06-25 | 1999-06-18 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Pinnacle Pet Group Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2022-06-30 | Active |
| Cardif Insurance Holdings Plc | Corporate entity | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2022-06-30 |
Filing timeline
Last 20 of 324 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-07-03 RESOLUTIONS Resolution
- 2025-04-07 RESOLUTIONS Resolution
- 2025-04-07 RR02 Reregistration public to private company
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-02 | AA | accounts | Accounts with accounts type full | |
| 2026-05-20 | CH01 | officers | Change person director company with change date | |
| 2026-05-20 | CH01 | officers | Change person director company with change date | |
| 2026-05-20 | CH01 | officers | Change person director company with change date | |
| 2026-05-20 | CH03 | officers | Change person secretary company with change date | |
| 2026-05-20 | CH01 | officers | Change person director company with change date | |
| 2026-04-29 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-11-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-09 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2025-07-03 | SH20 | capital | Legacy | |
| 2025-07-03 | CAP-SS | insolvency | Legacy | |
| 2025-07-03 | RESOLUTIONS | resolution | Resolution | |
| 2025-06-19 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-05-06 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-04-30 | AA | accounts | Accounts with accounts type full | |
| 2025-04-08 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-07 | RESOLUTIONS | resolution | Resolution | |
| 2025-04-07 | MAR | incorporation | Re registration memorandum articles | |
| 2025-04-07 | RR02 | change-of-name | Reregistration public to private company |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 13
- Capital events
- 2
- Officers appointed
- 0
- Officers resigned
- 1
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.