MMA HOLDINGS UK PLC
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Cash
£16M
+83.2% vs 2024
Net assets
£315M
-3.9% vs 2024
Employees
0
Average over period
Profit before tax
-£16M
-147.5% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
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 | £814,000 | -£2,853,000 | -£4,840,000 | -69.6% | |
| Profit before tax | -£36,739,000 | £33,545,000 | -£15,937,000 | -147.5% | |
| Net profit | -£36,727,000 | £34,888,000 | -£14,638,000 | -142% | |
| Cash | £19,603,000 | £8,892,000 | £16,294,000 | +83.2% | |
| Total assets less current liabilities | £326,835,000 | £358,120,000 | £321,559,000 | -10.2% | |
| Net assets | £294,150,000 | £327,570,000 | £314,674,000 | -3.9% | |
| Equity | £294,150,000 | £327,570,000 | £314,674,000 | -3.9% | |
| Average employees | — | 0 | 0 | — | |
| Wages | — | — | — | — | |
| Directors' remuneration | £11,000 | £23,000 | £23,000 | 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 | 0.2% | -0.8% | -1.5% | |
| Current ratio | 2.60x | 2.36x | 0.51x | |
| Interest cover | 1.43x | -5.01x | -3.76x |
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 3 times since incorporation
- MMA HOLDINGS UK PLC 2001-04-11 → present
- BERKSHIRE SERVICES LIMITED 2000-04-27 → 2001-04-11
- MMA INSURANCE LIMITED 1999-11-18 → 2000-04-27
- CLEARDUAL LIMITED 1999-07-12 → 1999-11-18
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors are satisfied that the Company has adequate resources including a large cash holding to continue operating for the foreseeable future. For this reason, they continue to adopt the going concern basis in preparing the Financial Statements.”
Group structure
- MMA HOLDINGS UK PLC · parent
- Covea Insurance plc 100%
- Covéa Insurance Services Limited 100%
- Covéa Life Limited 100%
- Sterling Client Services Limited 100%
- Sterling Insurance Trustees Limited 100%
Significant events
- “Buy-ins on the Edgard Hamilton Group and Sterling Insurance Pension schemes were completed in 2025.”
- “On 13 October 2025, the Edgar Hamilton Group Pension Scheme purchased a bulk buy-in policy with JUST.”
- “On 28 August 2025, the Sterling Insurance Pension scheme purchased a bulk buy-in policy with JUST.”
- “The UK Government announced on 5 June 2025 that it would legislate to address the problems arising from the ruling, recognising the difficulty many schemes face in evidencing historical actuarial confirmations.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 35 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| LAWRY, Rebecca | Secretary | 2023-12-05 | — | — |
| CARRAUD, Laure Anne Lucie | Director | 2026-06-10 | Dec 1982 | French |
| DOMART, Philippe | Director | 2026-03-31 | Nov 1970 | French |
| MACEDO, Georges De | Director | 2023-03-17 | Oct 1981 | French |
| SALELLES, Pascal | Director | 2026-03-31 | Jul 1969 | French |
Show 35 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ROBINSON, Sarah | Secretary | 2023-08-01 | 2023-12-08 |
| WHITTAKER, Steven | Secretary | 2002-02-11 | 2012-12-19 |
| WHITTAKER, Steven | Secretary | 1999-09-15 | 2001-05-31 |
| WILSON, Annabel Felicity | Secretary | 2012-12-19 | 2023-07-28 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 1999-07-12 | 1999-09-15 |
| ALLEN, John Peter Clarkson | Director | 2022-09-26 | 2023-10-16 |
| BARRERE, Bernard | Director | 2011-12-13 | 2012-02-08 |
| BROOKE, Nicolas | Director | 2024-01-02 | 2025-09-15 |
| BUCCHINI, Francois | Director | 2023-03-17 | 2026-03-31 |
| FEARN, Garry Michael | Director | 1999-09-15 | 2013-09-15 |
| FLEURY, Jean Eugene Alfred | Director | 2007-04-20 | 2013-06-25 |
| FORGET, Patrice Pierre Jacques | Director | 2013-06-25 | 2017-12-31 |
| FRANCQ, Thierry Pierre | Director | 2023-03-17 | 2024-01-02 |
| FURNESS, Adrian Charles | Director | 2021-07-28 | 2023-06-15 |
| GLASER, Yves | Director | 2003-08-29 | 2009-07-24 |
| GUERINON, Bertrand Roland | Director | 2010-02-26 | 2011-10-05 |
| HALPIN, Peter Joseph | Director | 2009-11-09 | 2011-12-12 |
| JOSSE, François Xavier Michel | Director | 2018-12-11 | 2022-12-20 |
| LEFEBVRE, Bertrand | Director | 2003-08-29 | 2024-01-02 |
| MEMIN, Claude Pierre-Marie | Director | 1999-09-15 | 2002-12-30 |
| MICHEL, Pierre Albert Jean | Director | 2018-02-23 | 2023-01-31 |
| MOREAU, Nicolas | Director | 2024-01-02 | 2026-03-31 |
| NARZUL, Philippe | Director | 2009-11-09 | 2009-11-09 |
| NARZUL, Philippe | Director | 2009-11-09 | 2017-04-01 |
| NELSON, Thomas Scott | Director | 2004-05-18 | 2009-03-31 |
| NORMAND, Gilles | Director | 2012-12-19 | 2020-01-08 |
| PESCHEUX, Jean Michel | Director | 2003-08-29 | 2009-11-09 |
| READER, James William | Director | 2019-08-29 | 2021-07-21 |
| ROUX, Michel | Director | 2003-07-11 | 2013-12-10 |
| SALVY, Dominique | Director | 2006-12-19 | 2023-06-01 |
| SKRZYNSKI, Charles Werner | Director | 2001-05-10 | 2003-09-17 |
| WHITTAKER, Steven | Director | 2015-09-01 | 2019-12-31 |
| WHITTAKER, Steven | Director | 2001-04-30 | 2001-05-31 |
| WOOLTERTON, Peter William | Director | 2002-07-11 | 2003-11-16 |
| INSTANT COMPANIES LIMITED | Corporate Nominee Director | 1999-07-12 | 1999-09-15 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 183 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-08-20 MA Memorandum articles
- 2025-08-14 MA Memorandum articles
- 2025-08-14 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-24 | AA | accounts | Accounts with accounts type full | |
| 2026-06-17 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-07 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-01 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-01 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-01 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-07 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-20 | MA | incorporation | Memorandum articles | |
| 2025-08-14 | MA | incorporation | Memorandum articles | |
| 2025-08-14 | RESOLUTIONS | resolution | Resolution | |
| 2025-08-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-13 | AA | accounts | Accounts with accounts type full | |
| 2024-08-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-04 | AA | accounts | Accounts with accounts type full | |
| 2024-01-19 | AP01 | officers | Appoint person director company with name date | |
| 2024-01-19 | TM01 | officers | Termination director company with name termination date | |
| 2024-01-19 | TM01 | officers | Termination director company with name termination date | |
| 2024-01-19 | AP01 | officers | Appoint person director company with name date | |
| 2024-01-04 | TM02 | officers | Termination secretary company with name termination date | |
| 2023-12-05 | AP03 | officers | Appoint person secretary company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 11
- Capital events
- 0
- Officers appointed
- 3
- Officers resigned
- 3
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.