ATRIUM UNDERWRITING GROUP LIMITED
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Cash
£5.3m
USD 7,153,000
+3,766.5% highest in 3 filed years
Net assets
£36m
USD 48,140,000
+12.2% highest in 3 filed years
Employees
—
Average over period
Profit before tax
£24m
USD 32,200,000
+591.3% 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 | — | — | £9,941,286 | — | |
| Operating profit | -£4,311,408 | -£6,384,987 | £810,108 | +112.7% | |
| Profit before tax | -£3,892,233 | -£4,871,052 | £23,931,624 | +591.3% | |
| Net profit | -£2,910,442 | -£3,253,809 | £23,604,608 | +825.4% | |
| Cash | £790,784 | £137,495 | £5,316,239 | +3,766.5% | |
| Total assets less current liabilities | £35,151,988 | £31,898,179 | — | — | |
| Net assets | £35,151,988 | £31,898,179 | £35,778,521 | +12.2% | |
| Equity | £35,151,988 | £31,898,179 | £35,778,521 | +12.2% | |
| Average employees | — | — | — | — | |
| Wages | — | — | — | — | |
| Directors' remuneration | £1,526,232 | £995,420 | £611,375 | -38.6% |
Figures converted to GBP from USD at 0.743 per USD (Frankfurter spot rate) — hover any figure for the original. — 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 | — | — | 8.1% | |
| Return on capital employed | -12.3% | -20.0% | — | |
| Gearing (liabilities / total assets) | 9.9% | 9.0% | — | |
| Current ratio | 1.07x | 0.07x | 1.49x | |
| Interest cover | -2.89x | -85.91x | — |
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. Margin ratios are hidden where reported turnover is too small relative to profit to yield a meaningful figure — typical of holding companies whose income is mostly subsidiary dividends rather than trading revenue. Sector-distribution context coming next.
Name history
Renamed 6 times since incorporation
- ATRIUM UNDERWRITING GROUP LIMITED 2008-06-18 → present
- ATRIUM UNDERWRITING GROUP PLC 2008-06-18 → 2008-06-18
- ATRIUM UNDERWRITING PLC 2008-06-17 → 2008-06-18
- ATRIUM UNDERWRITING GROUP PLC 2008-06-17 → 2008-06-17
- ATRIUM UNDERWRITING PLC 1998-12-08 → 2008-06-17
- LOMOND UNDERWRITING PLC 1993-12-10 → 1998-12-08
- MURRAY UNDERWRITING PLC 1993-10-04 → 1993-12-10
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on the going concern assessment performed as at 31 December 2025, the Directors consider there to be no material uncertainties that may cast significant doubt over the Syndicates' ability to continue to operate as a going concern. The Directors have concluded that the profit flows from the Syndicates which generate the Company's income are sufficient to meet its liabilities as they fall due over the going concern period.”
Group structure
- ATRIUM UNDERWRITING GROUP LIMITED · parent
- Atrium Group Services Limited 100%
- Atrium Insurance Agency Limited 100%
- Atrium Underwriters Limited 100%
- Atrium 5 Limited 100%
- Atrium Risk Management Services (Washington) Ltd. 100%
- Atrium Nominees Limited 100%
Significant events
- “Subsequent to the balance sheet date, on 17 February 2026 the Board of AUGL approved the provision of a $3.0 million subordinated loan to AIAL.”
- “On 28 April 2026, the Board approved an intra-group loan agreement with CRC Group UK Holdings Limited, under which AUGL will make available a USD denominated revolving loan facility with an aggregate outstanding principal of $50.0 million including an advance of $20.0 million.”
- “On 28 April 2026, the Board declared a dividend of $20.0 million.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 58 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| SGH COMPANY SECRETARIES LIMITED | Corporate Secretary | 2024-03-31 | — | — |
| COLL, Nicole | Director | 2023-03-31 | Jan 1976 | British |
| COX, James Malcolm | Director | 2026-01-01 | Jul 1979 | British |
| FOWLE, John | Director | 2026-01-01 | Sep 1969 | British |
| GERHARDT, Hans-Peter Thomas | Director | 2026-01-01 | May 1955 | Swiss |
| MAYNARD, Hayley Del, Dr | Director | 2026-01-01 | Jun 1987 | American |
| SHAH, Samit | Director | 2026-01-01 | Oct 1977 | British |
| STEWARD, Kirsty Helen | Director | 2018-01-01 | Aug 1977 | British |
| STOOKE, Christopher Macdonald | Director | 2026-01-01 | Apr 1957 | British |
Show 58 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BALICAO, Marla | Secretary | 2012-06-29 | 2014-04-07 |
| BRUCE, Martha Blanche Waymark | Secretary | 2014-04-07 | 2024-03-31 |
| BRUCE, Martha Blanche Waymark | Secretary | 2003-07-01 | 2012-06-29 |
| HACKWOOD SECRETARIES LIMITED | Corporate Nominee Secretary | 1993-10-04 | 1993-10-14 |
| MURRAY JOHNSTONE LIMITED | Corporate Secretary | 1993-10-14 | 2003-07-01 |
| ANDREWS, John Michael Geoffrey | Director | 1998-12-02 | 2005-07-01 |
| BADDELEY, Andrew Martin | Director | 2007-12-03 | 2013-02-06 |
| BAILEY, Charles Howard | Director | 1998-12-02 | 2008-05-31 |
| BAIRD, Darran Allan | Director | 2021-01-01 | 2021-12-15 |
| BAIRD, Darran Allan | Director | 2014-07-01 | 2018-01-23 |
| BOWKER, Guy Thomas Anthony | Director | 2018-01-01 | 2021-01-01 |
| BRIZIUS, Charles Albert | Director | 2012-06-08 | 2013-11-25 |
| BURNETT, Daniel George | Director | 1998-12-02 | 2000-08-01 |
| CAREY, James Dawson | Director | 2021-01-01 | 2021-08-05 |
| COOK, Steven James | Director | 2000-01-01 | 2020-12-31 |
| CURTIS, Simon Peter | Director | 2003-07-01 | 2007-09-30 |
| DANDRIDGE, Christine Elaine | Director | 1998-12-02 | 2007-12-31 |
| DARWIN, Philip Waring | Director | 1993-11-26 | 1998-12-02 |
| DUMAS, Henry Raymond | Director | 2006-06-30 | 2007-11-30 |
| GODBEHERE, Ann Frances | Director | 2007-11-30 | 2014-03-28 |
| GREGORY, Orla Maura | Director | 2017-02-01 | 2021-01-01 |
| GRUBER, Steven Bennett | Director | 2012-06-08 | 2013-11-25 |
| HAMILTON, Alexander Gordon Kelso | Director | 2014-04-16 | 2023-03-31 |
| HARRIES, Richard De Winton Wilkin | Director | 2008-01-01 | 2023-06-30 |
| HARRIS, Richard John | Director | 2013-11-25 | 2016-01-12 |
| HAYES, Richard Stephen Maurice | Director | 2023-07-01 | 2025-12-31 |
| HENDERSON, Henry Merton | Director | 2003-07-01 | 2004-07-01 |
| HERMAN, Mark Irving | Director | 2007-10-11 | 2008-02-18 |
| HERMAN, Mark Irving | Director | 2007-10-08 | 2007-10-08 |
| JANZARIK, Malte Johannes | Director | 2012-06-08 | 2013-11-25 |
| JOHNSTONE, Raymond, Sir | Director | 1993-10-14 | 2003-07-01 |
| JOLL, James Anthony Boyd | Director | 2005-01-01 | 2007-10-01 |
| KRAMER, Donald | Director | 2007-10-10 | 2010-03-18 |
| KRAMER, Donald | Director | 2007-10-08 | 2007-10-08 |
| LEE, James Robert Francis | Director | 2010-08-20 | 2024-12-31 |
| LEWY, Richard John | Director | 2002-07-03 | 2006-06-30 |
| LUTENSKI, Richard Paul | Director | 2010-04-27 | 2013-11-25 |
| MARSH, Nicholas Carl | Director | 1998-12-02 | 2013-12-31 |
| MERRIMAN, Brendan Richard Anthony, Mr | Director | 2014-07-01 | 2021-01-01 |
| MOSER, Scott Peter | Director | 2008-05-16 | 2015-05-08 |
| O'SHEA, Paul James | Director | 2013-11-25 | 2021-08-05 |
| PACKER, Nicholas Andrew | Director | 2013-11-25 | 2017-02-01 |
| PINSENT, Antony Andrew Macpherson | Director | 1993-10-21 | 1998-12-02 |
| RILEY, Stephen John | Director | 2015-05-08 | 2021-11-30 |
| RIVAZ, George Farnworth | Director | 2007-10-08 | 2012-04-05 |
| RIVAZ, George Farnworth | Director | 2004-07-01 | 2006-06-30 |
| SHAH, Samit | Director | 2014-07-01 | 2021-08-05 |
| SHETTLE, John Francis | Director | 2013-11-26 | 2014-07-01 |
| SHETTLE JR, John Francis | Director | 2018-01-23 | 2020-09-15 |
| SINCLAIR, James Melville | Director | 1993-10-14 | 1998-12-02 |
| SMITH, Mark William Reid, Mr | Director | 2016-01-12 | 2017-12-31 |
| SPARKS, Alexander Pratt | Director | 1994-06-02 | 1998-12-02 |
| STOOKE, Christopher Macdonald | Director | 2021-01-01 | 2021-12-16 |
| SWATMAN, Philip Hilary | Director | 2006-06-30 | 2007-10-01 |
| WEAVER, Christopher Giles Herron | Director | 1998-12-02 | 2003-07-01 |
| WEAVER, Christopher Giles Herron | Director | 1993-10-14 | 1993-11-26 |
| WILKINS, Kevin William | Director | 1998-12-02 | 2012-03-13 |
| HACKWOOD SECRETARIES LIMITED | Corporate Nominee Director | 1993-10-04 | 1993-10-14 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Alopuc Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 419 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-06 | AA | accounts | Accounts with accounts type full | |
| 2026-07-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-01-27 | CH04 | officers | Change corporate secretary company with change date | |
| 2026-01-05 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-05 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-05 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-05 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-05 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-05 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-05 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-01 | AA | accounts | Accounts with accounts type full | |
| 2025-01-07 | TM01 | officers | Termination director company with name termination date | |
| 2024-06-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-05-24 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-04-17 | AA | accounts | Accounts with accounts type full | |
| 2024-03-31 | AP04 | officers | Appoint corporate secretary company with name date | |
| 2024-03-31 | TM02 | officers | Termination secretary company with name termination date | |
| 2023-12-01 | CH01 | officers | Change person director company with change date | |
| 2023-12-01 | CH01 | officers | Change person director company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 0
- Officers appointed
- 6
- 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.