NAVIGATORS UNDERWRITING LIMITED
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Cash
—
Latest balance sheet
Net assets
—
Equity attributable
Employees
4
-20% vs 2024
Profit before tax
£2m
+331.5% highest in 3 filed years
Profit before tax
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 | £2,080,103 | £2,092,942 | £1,905,430 | -9% | |
| Operating profit | £188,229 | £149,882 | £173,347 | +15.7% | |
| Profit before tax | £722,766 | -£870,735 | £2,015,356 | +331.5% | |
| Net profit | £605,510 | -£919,497 | £1,967,553 | +314% | |
| Cash | — | — | — | — | |
| Total assets less current liabilities | — | — | — | — | |
| Net assets | — | — | — | — | |
| Equity | £1,824,199 | £904,702 | — | — | |
| Average employees | 4 | 5 | 4 | -20% | |
| Wages | £983,085 | £1,260,778 | £1,192,759 | -5.4% | |
| Directors' remuneration | — | — | — | — |
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 | 9.0% | 7.2% | 9.1% | |
| Net margin | 29.1% | -43.9% | 103.3% |
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 1 time since incorporation
- NAVIGATORS UNDERWRITING LIMITED 2004-12-20 → present
- PENNINE UNDERWRITING LIMITED 1999-08-06 → 2004-12-20
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Abridged
- Yes — abridged accounts (limited disclosure)
- Auditor
- Deloitte LLP, London
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Company will continue to trade actively from offices in London and Zurich. The Directors are of the opinion that the Company has adequate resources to continue in operational existence for the foreseeable future and trading continues to operate satisfactorily from the London and Zurich offices.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
2 active · 29 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BACH III, Carl Lee | Director | 2015-05-22 | Sep 1975 | American |
| FARRER, Neil James | Director | 2019-05-08 | Jun 1979 | British |
Show 29 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HEDGES, Jacqueline | Secretary | 1999-08-06 | 2009-01-27 |
| HILLERY, Kathryn Jill | Secretary | 2009-04-13 | 2011-05-06 |
| LUCK, Steven John | Secretary | 2009-02-06 | 2009-04-13 |
| WALSH, Hugh Francis | Secretary | 2011-08-30 | 2015-02-26 |
| ZOBEL, Alison Jane | Secretary | 2016-06-07 | 2018-02-20 |
| ALPHA SECRETARIAL LIMITED | Corporate Nominee Secretary | 1999-08-06 | 1999-08-06 |
| BURNS, Alastair James | Director | 2017-02-08 | 2020-02-28 |
| BUSBY, Caroline Lucy | Director | 2014-01-14 | 2015-04-10 |
| BUTCHER, Christopher Stewart | Director | 2004-12-02 | 2008-07-29 |
| CAMERON, Angus Kenneth | Director | 2011-08-30 | 2013-09-26 |
| CAMERON, Sheila Mary | Director | 2017-02-08 | 2018-12-31 |
| CASELLA, Michael James | Director | 2016-11-03 | 2019-03-15 |
| COOPER, John Anthony | Director | 2000-08-17 | 2002-06-30 |
| COWARD, Stephen Richard | Director | 2002-10-18 | 2017-07-28 |
| DAVENPORT, Paul Jonathan | Director | 2016-11-03 | 2018-10-05 |
| DEAL, Guillaume Emmanuel Henri | Director | 2018-05-24 | 2020-08-19 |
| DINGLEY, Colin Trevor | Director | 1999-08-06 | 2006-10-25 |
| HEDGES, Jacqueline | Director | 2005-11-15 | 2009-01-27 |
| HENNESSY, Paul Vladimir | Director | 2015-05-22 | 2015-12-31 |
| JORDAN, Kevin Alec | Director | 2005-11-15 | 2013-02-15 |
| LIMB, Nicholas | Director | 2001-01-01 | 2004-07-23 |
| LOONE, Nicole Lesley | Director | 2010-05-27 | 2011-04-21 |
| ROBERTSON, Michael John | Director | 1999-08-06 | 2002-01-07 |
| SOTHINATHAN, Printhan | Director | 2015-07-21 | 2016-06-30 |
| SPROTT, Colin Douglas | Director | 2015-05-22 | 2026-02-26 |
| STEWART, Ian Philip | Director | 1999-08-06 | 2005-11-15 |
| THOMAS, Stephen Lionel | Director | 1999-08-06 | 2000-08-17 |
| WHEELER, Timothy Frederick | Director | 1999-08-06 | 2012-07-01 |
| ALPHA DIRECT LIMITED | Corporate Nominee Director | 1999-08-06 | 1999-08-06 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Hartford Underwriting Agency Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors, Significant influence (as firm) | 2016-04-06 | Active |
Filing timeline
Last 20 of 130 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-26 | AA | accounts | Accounts with accounts type full | |
| 2026-03-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-05 | AA | accounts | Accounts with accounts type full | |
| 2024-08-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-07 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-07-12 | AA | accounts | Accounts with accounts type full | |
| 2023-09-25 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-08-24 | AAMD | accounts | Accounts amended with accounts type full | |
| 2023-08-14 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-07-20 | AA | accounts | Accounts with accounts type full | |
| 2022-08-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-06-27 | AA | accounts | Accounts with accounts type full | |
| 2021-08-14 | AA | accounts | Accounts with accounts type full | |
| 2021-08-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-03-31 | CH01 | officers | Change person director company with change date | |
| 2020-11-12 | AA | accounts | Accounts with accounts type full | |
| 2020-08-25 | TM01 | officers | Termination director company with name termination date | |
| 2020-08-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-03-16 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- 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.