GREAT AMERICAN INTERNATIONAL INSURANCE (UK) LIMITED
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Cash
—
Latest balance sheet
Net assets
£11M
+10% highest in 3 filed years
Employees
25
-7.4% vs 2024
Profit before tax
£1M
-25.6% first positive since 2023
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 | £32,827,000 | £34,151,000 | £43,988,000 | +28.8% | |
| Net earned premiums | £2,700,000 | £3,261,000 | £4,637,000 | +42.2% | |
| Claims incurred | £1,357,000 | £1,585,000 | £1,881,000 | +18.7% | |
| Investment return | £176,000 | £489,000 | £461,000 | -5.7% | |
| Profit before tax | -£262,000 | £1,377,000 | £1,025,000 | -25.6% | |
| Net profit | -£188,000 | £1,358,000 | £1,025,000 | -24.5% | |
| Insurance contract liabilities | £36,320,000 | £46,680,000 | £53,266,000 | +14.1% | |
| Total assets | £59,641,000 | £73,389,000 | £82,742,000 | +12.7% | |
| Total liabilities | £50,845,000 | £63,097,000 | £71,425,000 | +13.2% | |
| Equity | £8,796,000 | £10,292,000 | £11,317,000 | +10% | |
| Average employees | 25 | 27 | 25 | -7.4% |
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) | 85.3% | 86.0% | — |
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
- GREAT AMERICAN INTERNATIONAL INSURANCE (UK) LIMITED 2019-07-19 → present
- INSURANCE (GB) LIMITED 1993-02-17 → 2019-07-19
- HANDYCHAIN LIMITED 1992-05-13 → 1993-02-17
Audit & accounting basis
- Accounting basis
- FRS 102 & FRS 103
- Reporting scope
- Standalone (parent only)
- Auditor
- BDO UK LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Company has undertaken a comprehensive going concern analysis considering the challenging current and forecast UK economic environment on the business, cash flows and maintaining solvency. A number of stress tests were performed in the Own Risk and Solvency Assessment (ORSA) to ensure that there are no material uncertainties affecting the going concern assumption and that the Company has adequate resources to continue trading to at least 31 December 2027. Accordingly, the Directors continue to adopt the going concern basis in preparing the annual report and financial statements.”
Significant events
- “Strategic decision to make a controlled exit from the Construction Bonds market in 2022, with the run-off process initiated in 2024 and concluded late 2025. Also made the decision during 2025 to exit the Cyber insurance market, with that product now in run-off process.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 23 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| POLO COMMERCIAL INSURANCE SERVICES LIMITED | Corporate Secretary | 2014-02-28 | — | — |
| ARNOLDI, Daniel Grases | Director | 2025-05-06 | Feb 1970 | Spanish |
| BARTLETT, Julian Stewart | Director | 2019-09-20 | Feb 1967 | British |
| GAMBLE, David Lewis | Director | 2025-02-06 | Nov 1969 | British |
| PORTSMOUTH, Charles Sinclair | Director | 2019-07-16 | Aug 1956 | British |
Show 23 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HOLMES, David Richard | Secretary | 1996-11-11 | 1998-10-28 |
| MORGAN, Richard Trevor Antony | Secretary | 1998-10-28 | 2014-02-28 |
| PINKETT, Anthony Christopher | Secretary | 1992-06-03 | 1995-07-24 |
| STEPHENS, Robert Henry | Secretary | 1995-07-25 | 1996-11-08 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 1992-05-13 | 1992-06-03 |
| CLEGG, Royston William | Director | 1992-06-03 | 1995-04-10 |
| FULLERTON-ROME, Elizabeth Roman | Director | 2020-05-20 | 2026-05-19 |
| GARDNER, Annette | Director | 2017-12-22 | 2020-01-15 |
| GORDON, Bruce Wallace | Director | 1992-06-03 | 1998-05-22 |
| GRIFFITHS, David William Haydn | Director | 1992-12-15 | 2008-09-29 |
| HAVERLAND, Richard M, Mister | Director | 1992-12-15 | 1994-10-13 |
| HEANEY, John | Director | 2020-01-15 | 2025-05-06 |
| HORRELL, Karen Holley | Director | 1995-06-12 | 2012-12-18 |
| KRAUSE, Michael David | Director | 1994-11-01 | 2002-11-21 |
| MCLENAGHAN, Vincent | Director | 2019-07-15 | 2020-12-31 |
| MUETHING, James Louis | Director | 2021-08-25 | 2025-01-31 |
| OLSON, Robert Wyrick | Director | 1994-10-12 | 1995-05-25 |
| PINKETT, Anthony Christopher | Director | 1992-06-03 | 1995-07-24 |
| PLATT, Keith Morgan | Director | 1992-06-03 | 1995-04-10 |
| ROSEN, Eve Cutler | Director | 2011-06-10 | 2018-10-05 |
| TURNER, Peter James | Director | 1995-07-25 | 2008-09-29 |
| WITZGALL, David John | Director | 2009-02-09 | 2020-02-19 |
| INSTANT COMPANIES LIMITED | Corporate Nominee Director | 1992-05-13 | 1992-06-03 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Great American Europe Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2020-03-13 | Active |
Filing timeline
Last 20 of 170 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-06-17 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-21 | AA | accounts | Accounts with accounts type full | |
| 2026-05-19 | TM01 | officers | Termination director company with name termination date | |
| 2026-03-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-15 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-15 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-23 | AA | accounts | Accounts with accounts type full | |
| 2025-03-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-02-19 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-31 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-23 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-06-17 | RESOLUTIONS | resolution | Resolution | |
| 2024-06-07 | AA | accounts | Accounts with accounts type full | |
| 2024-03-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-04-17 | AA | accounts | Accounts with accounts type full | |
| 2023-03-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-02-25 | CH04 | officers | Change corporate secretary company with change date | |
| 2022-07-06 | AA | accounts | Accounts with accounts type full | |
| 2022-03-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-08-31 | AP01 | officers | Appoint person director company with name date | |
| 2021-07-27 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 0
- 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.