CARDIF INSURANCE HOLDINGS PLC
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Cash
£766K
-15.5% vs 2024
Net assets
£531M
+42.6% highest in 3 filed years
Employees
0
Average over period
Profit before tax
£158M
+8,411.1% 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 |
|---|---|---|---|---|---|
| Turnover | — | — | — | — | |
| Operating profit | -£57,000 | -£158,000 | -£115,000 | +27.2% | |
| Profit before tax | -£1,760,000 | -£1,907,000 | £158,493,000 | +8,411.1% | |
| Net profit | -£1,404,000 | -£1,542,000 | £158,525,000 | +10,380.5% | |
| Cash | £503,000 | £906,000 | £766,000 | -15.5% | |
| Total assets less current liabilities | £338,325,000 | £372,784,000 | — | — | |
| Net assets | £338,075,000 | £372,534,000 | £531,059,000 | +42.6% | |
| Equity | £338,075,000 | £372,534,000 | £531,059,000 | +42.6% | |
| Average employees | 0 | 0 | 0 | — | |
| Wages | — | — | — | — | |
| Directors' remuneration | — | £0 | £0 | — |
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 |
|---|---|---|---|---|
| Return on capital employed | -0.0% | -0.0% | — | |
| Gearing (liabilities / total assets) | 10.1% | 0.4% | 0.1% | |
| Current ratio | 0.13x | 2.56x | 14.82x | |
| Interest cover | -0.03x | -0.85x | -2.74x |
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
- CARDIF INSURANCE HOLDINGS PLC 2022-07-29 → present
- CARDIF PINNACLE INSURANCE HOLDINGS PLC 2005-03-29 → 2022-07-29
- PINNACLE INSURANCE HOLDINGS PLC 1992-05-05 → 2005-03-29
Audit & accounting basis
- Accounting basis
- IFRS
- 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 at least the next 12 months from the date of approval of the financial statements. For this reason, they continue to adopt the going concern basis in preparing the financial statements.”
Group structure
- CARDIF INSURANCE HOLDINGS PLC · parent
- Pinnacle Pet Holdings Limited 23.57%
Significant events
- “During the year, the Company lost significant influence over Pinnacle Pet Holdings Ltd ("PPH") due to changes in governance rights and Board representation. As a result, the investment was remeasured at fair value (FVTPL), resulting in a gain of £158.6m recognised in profit or loss.”
- “Pursuant to a fund raise of £100m from PPH, the Company was provided a catch up right until end of January 2025 to subscribe to its share of the capital raised. The Company did not participate in the capital raising and further lost significant influence after resignation of Cardif's representatives from the Board.”
- “In March 2025, the shareholders' agreement was amended and the Company's board representatives resigned and were replaced by non-voting observers. As a result, the Company no longer has the ability to participate in the financial and operating policy decisions of PPH... Accordingly, significant influence was deemed to have been lost at that date and the investment ceased to be accounted for using the equity method.”
- “Dormant companies liquidated in 2025”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 39 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| WICKETT, Sarah | Secretary | 2025-09-11 | — | — |
| CHEVALET, Stanislas Louis Paul Francois | Director | 2015-09-24 | Nov 1961 | French |
| LANE, Clara Angela Iris | Director | 2024-04-22 | Feb 1977 | British,Italian |
| PRITCHARD, Daniel James | Director | 2024-04-22 | Nov 1965 | British |
Show 39 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CRANSTON, Kareen | Secretary | 2002-09-27 | 2005-09-09 |
| LORIMER, Matthew Justin | Secretary | 2006-06-30 | 2024-04-22 |
| MARVIN, Lisa | Secretary | 2024-04-22 | 2025-09-04 |
| MILLS, Christopher Simon | Secretary | 1992-05-06 | 2002-09-27 |
| CARDIF PINNACLE SECRETARIES LIMITED | Corporate Secretary | 2005-09-09 | 2006-06-30 |
| HALLMARK SECRETARIES LIMITED | Corporate Nominee Secretary | 1992-05-05 | 1992-05-05 |
| 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 |
| DREYER, Anthony William | Director | 2002-06-28 | 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 | 2019-09-01 | 2022-10-14 |
| LAROCHE, Jean-Bertrand Marie | Director | 2015-09-24 | 2016-11-24 |
| LORIMER, Matthew Justin | Director | 2015-04-01 | 2024-04-22 |
| MAY, Sophie Margaret | Director | 2020-12-10 | 2024-04-22 |
| MEE, Robert James | Director | 2003-09-26 | 2012-09-06 |
| MILLS, Christopher Simon | Director | 2002-06-28 | 2007-03-31 |
| PRIESTLEY, Leslie William | Director | 2002-06-28 | 2003-12-31 |
| RAINGOLD, Gerald Barry | Director | 2002-06-28 | 2009-03-25 |
| RENNIE, Helen Elspeth | Director | 2020-12-10 | 2022-06-30 |
| ROCHEZ, Nicholas Dutfield | Director | 2012-11-13 | 2022-06-06 |
| SCARR, Craig Anthony | Director | 2022-05-16 | 2022-10-14 |
| SCHWICK, Christopher John | Director | 1992-05-06 | 2008-10-09 |
| SHACKELL, Ian Richard Charles | Director | 2008-09-25 | 2011-03-11 |
| SHUKER, Norman Alan | Director | 1992-05-06 | 2007-06-26 |
| SWAIN, Andrew Donald | Director | 2006-06-30 | 2011-12-31 |
| VILLENEUVE, Pierre De Portier De | Director | 1992-06-30 | 2007-11-29 |
| WIGG, Andrew Miles | Director | 2013-03-21 | 2024-04-22 |
| WILLIAMS, Stephen David | Director | 2002-06-28 | 2006-03-17 |
| BANQUE FINANCIERE CARDIF | Corporate Director | 2002-06-28 | 2006-03-31 |
| BNP PARIBAS CARDIF | Corporate Director | 1992-06-30 | 2015-09-24 |
| CARDIF ASSURANCE-VIE | Corporate Director | 1992-06-30 | 2015-09-24 |
| CARDIF ASSURANCES RISQUES DIVERS | Corporate Director | 2006-03-31 | 2015-09-24 |
| HALLMARK REGISTRARS LIMITED | Corporate Nominee Director | 1992-05-05 | 1992-05-05 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Cb (Uk) Limited | Corporate entity | Shares 50–75% | 2016-04-06 | Ceased 2019-01-02 |
| Bnp Paribas Cardif | Corporate entity | Shares 50–75% | 2016-04-06 | Active |
Filing timeline
Last 20 of 250 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-12-11 RESOLUTIONS Resolution
- 2024-05-20 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-08 | AA | accounts | Accounts with accounts type full | |
| 2026-05-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-17 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-09-16 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-06-19 | AA | accounts | Accounts with accounts type full | |
| 2025-05-19 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-12-11 | RESOLUTIONS | resolution | Resolution | |
| 2024-11-08 | SH01 | capital | Capital allotment shares | |
| 2024-07-09 | AA | accounts | Accounts with accounts type full | |
| 2024-05-20 | RESOLUTIONS | resolution | Resolution | |
| 2024-05-17 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-05-16 | SH01 | capital | Capital allotment shares | |
| 2024-05-13 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-04-30 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-29 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-04-29 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-29 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-29 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-29 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-29 | TM02 | officers | Termination secretary company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 1
- Officers appointed
- 1
- 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.