A G SADOWSKI UNDERWRITING LIMITED
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Cash
—
Latest balance sheet
Net assets
£1.3m
+15.2% highest in 3 filed years
Employees
—
Average over period
Profit before tax
£592k
+49.1% highest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Confirmation statement overdue
Due 2026-08-24.
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 | £3,456,979 | £3,765,108 | £4,481,934 | +19% | |
| Net earned premiums | £2,529,864 | £2,792,822 | £3,048,996 | +9.2% | |
| Claims incurred | £1,184,111 | £1,430,559 | £1,385,114 | -3.2% | |
| Investment return | £200,994 | £246,077 | £289,888 | +17.8% | |
| Profit before tax | £494,430 | £397,171 | £592,101 | +49.1% | |
| Net profit | £352,398 | £303,770 | £440,021 | +44.9% | |
| Insurance contract liabilities | £6,093,297 | £1,711,179 | £2,091,796 | +22.2% | |
| Total assets | £8,096,030 | £9,404,596 | £10,348,957 | +10% | |
| Total liabilities | £7,270,002 | £8,270,413 | £9,042,051 | +9.3% | |
| Equity | £826,028 | £1,134,183 | £1,306,906 | +15.2% | |
| Average employees | — | — | — | — |
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) | 89.8% | 87.9% | 87.4% |
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.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Accordingly, the going concern concept has been adopted in the preparation of the Financial Statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 9 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HAMPDEN LEGAL PLC | Corporate Secretary | 2006-12-12 | — | — |
| SADOWSKI, Kathleen Mary | Director | 1999-09-08 | Oct 1945 | American |
| SADOWSKI, Lisa Michelle | Director | 2016-06-28 | Jul 1969 | Polish |
| SADWSKI, Andrew Gregory | Director | 1999-09-08 | Apr 1941 | American |
| NOMINA PLC | Corporate Director | 2006-12-31 | — | — |
Show 9 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| AEQUANIMITER LIMITED | Corporate Secretary | 2002-05-14 | 2006-12-12 |
| AMLIN MEMBERS SERVICES LIMITED | Corporate Secretary | 1999-09-08 | 2000-01-31 |
| CBS PRIVATE CAPITAL LIMITED | Corporate Secretary | 2000-01-31 | 2002-05-14 |
| EXCELLET INVESTMENTS LIMITED | Corporate Secretary | 1999-09-08 | 1999-09-17 |
| HALLMARK SECRETARIES LIMITED | Corporate Nominee Secretary | 1999-09-08 | 1999-09-08 |
| SEDGWICK ROUGH, William Roger Peter | Director | 1999-09-08 | 2000-01-31 |
| TUCKER, Alan William | Director | 1999-09-08 | 2000-01-31 |
| HALLMARK REGISTRARS LIMITED | Corporate Nominee Director | 1999-09-08 | 1999-09-08 |
| QUICKNESS LIMITED | Corporate Director | 1999-09-08 | 1999-09-08 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Andrew Gregory Sadowski | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 304 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-21 | AA | accounts | Accounts with accounts type full | |
| 2026-02-11 | CH01 | officers | Change person director company with change date | |
| 2025-09-25 | AA | accounts | Accounts with accounts type full | |
| 2025-08-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-13 | AA | accounts | Accounts with accounts type full | |
| 2024-08-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-18 | AA | accounts | Accounts with accounts type full | |
| 2023-08-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-09-27 | AA | accounts | Accounts with accounts type full | |
| 2022-08-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-09-22 | AA | accounts | Accounts with accounts type full | |
| 2021-08-23 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-09-29 | AA | accounts | Accounts with accounts type full | |
| 2020-08-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2019-09-25 | AA | accounts | Accounts with accounts type full | |
| 2019-08-15 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2018-11-19 | CH01 | officers | Change person director company with change date | |
| 2018-09-18 | AA | accounts | Accounts with accounts type full | |
| 2018-08-20 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2017-10-02 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
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.