DUAL CORPORATE RISKS LIMITED
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Cash
—
Latest balance sheet
Net assets
£24m
Equity attributable
Employees
325
highest in 3 filed years
Profit before tax
£2.2m
Period ending 2025-12-31
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 | 2023-09-30 | 2024-09-30 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £48,875,000 | £47,653,000 | £66,808,000 | — | |
| Operating profit | £12,719,000 | £9,662,000 | -£4,287,000 | — | |
| Profit before tax | £13,887,000 | £13,260,000 | £2,202,000 | — | |
| Net profit | £10,945,000 | £9,550,000 | £1,557,000 | — | |
| Cash | £113,073,000 | £123,717,000 | — | — | |
| Total assets less current liabilities | £21,310,000 | £25,822,000 | £23,575,000 | — | |
| Net assets | £21,217,000 | £25,730,000 | £23,575,000 | — | |
| Equity | £21,217,000 | £25,730,000 | £23,575,000 | — | |
| Average employees | 131 | 146 | 325 | — | |
| Wages | £12,745,000 | £13,829,000 | £39,095,000 | — | |
| Directors' remuneration | £2,147,000 | £2,672,000 | £3,642,000 | — |
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 —. Year-on-year comparison hidden: this filing covers about 15 months versus 12 months prior. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-09-30 | 2024-09-30 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 26.0% | 20.3% | -6.4% | |
| Net margin | 22.4% | 20.0% | 2.3% | |
| Return on capital employed | 59.7% | 37.4% | -18.2% | |
| Current ratio | 1.17x | 1.19x | — |
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 3 times since incorporation
- DUAL CORPORATE RISKS LIMITED 2004-10-19 → present
- R KILPATRICK LIMITED 2004-02-17 → 2004-10-19
- DUAL CORPORATE RISKS LIMITED 2003-04-25 → 2004-02-17
- ACE CORPORATE RISKS LIMITED 2001-02-15 → 2003-04-25
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After assesment and review, the Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for a period of 12 months after the approval/signing of financial statements, which is until 30 June 2027. Accordingly, they continue to adopt the going concern basis in preparing the financial statements.”
Significant events
- “During the period, the Company changed its reporting date from 30 September to 31 December, therefore these financial statements present a 15-month period ended 31 December 2025.”
- “Additionally, the performance for the 15-month period to 31 December 2025 includes the results of several businesses whose trade and assets were acquired by the Company during the period: DAUL Run-Off Limited (formerly known as David Ashby Underwriting Limited) from 1 April 2025, Inet3 Limited from 1 August 2025, KGM Underwriting Services Limited and Eridge Underwriting Agency Limited from 1 September 2025.”
- “Following the period-end, on 1 March 2026, the Company acquired the trade and assets of International Passenger Protection Limited, a fellow subsidiary within the group.”
- “On 1 April 2026, the Company completed the acquisition of the share capital and trade of International Passenger Protection (Malta) Limited from International Passenger Protection Limited for a total consideration of £561,750.20.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 56 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| SAUNDERS, Aisling Katherine | Secretary | 2024-10-01 | — | — |
| ADAMS-MOORE, Julie Louise, Ms | Director | 2024-01-16 | Jan 1982 | British |
| BENNISON, Sara Philippa | Director | 2023-07-14 | Sep 1967 | British |
| CLAPHAM, Richard Malcolm | Director | 2016-10-24 | Mar 1964 | British |
| DIXON, Catherine Nicola | Director | 2024-08-23 | May 1968 | British |
| GOODHEW, Heather Margaret | Director | 2019-10-01 | Apr 1960 | British |
| MCGINN, Simon Cavendish | Director | 2024-01-16 | Jun 1970 | British |
| SNEDDEN, Ralph Cameron | Director | 2016-08-03 | Dec 1947 | British |
| STONE, Caroline Sarah | Director | 2023-02-06 | Feb 1972 | British |
Show 56 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| GRIFFIN, Steven Terence Hunter | Secretary | 2021-01-28 | 2024-09-30 |
| MASSIE, Amanda Jane Emilia | Secretary | 2014-05-01 | 2015-04-29 |
| MOORE, Andrew John | Secretary | 2015-04-29 | 2024-09-30 |
| PALLOT, Hugh Glen | Secretary | 2007-01-24 | 2014-04-30 |
| PIGRAM, Ivor | Secretary | 2003-03-04 | 2007-01-24 |
| SNOOKS, Emma Louise | Secretary | 2014-05-01 | 2018-08-08 |
| ACE LONDON SERVICES LIMITED | Corporate Secretary | 2003-02-28 | 2003-03-04 |
| ACE LONDON SERVICES LIMITED | Corporate Secretary | 2001-02-15 | 2003-02-28 |
| ASHTON, Michael Nicholas | Director | 2001-02-15 | 2001-05-30 |
| BAINS, Talbir Singh | Director | 2015-11-18 | 2016-12-31 |
| BEVERIDGE, Hazel Etta | Director | 2014-07-11 | 2016-03-24 |
| BRIDGES, Mark Andrew | Director | 2011-07-18 | 2012-11-30 |
| BRIDGES, Mark Andrew | Director | 2008-09-18 | 2011-02-28 |
| BROPHY, Darryl Elliott | Director | 2005-12-01 | 2007-04-12 |
| CROWTHER, Stephen Joseph | Director | 2004-02-16 | 2009-07-20 |
| CROWTHER, Stephen Joseph | Director | 2001-05-02 | 2004-02-16 |
| DOYLE, Shane Peter | Director | 2013-05-13 | 2015-11-10 |
| ELLIOTT, Graham Andrew | Director | 2015-04-24 | 2015-07-21 |
| ELSTON, Andrew Henry | Director | 2014-08-04 | 2015-12-31 |
| FERRIS, Paul Andrew | Director | 2014-04-07 | 2015-01-05 |
| FLETTON, Christopher Cadell | Director | 2007-03-27 | 2012-05-24 |
| FURGUESON, Michael Graham | Director | 2002-11-14 | 2003-03-04 |
| GERRY, James Thomas | Director | 2004-02-09 | 2007-09-13 |
| GERRY, James Thomas | Director | 2003-10-27 | 2004-02-09 |
| GIESON, Robert Thomas Van | Director | 2009-10-16 | 2012-04-27 |
| GLOVER, Michael Logan | Director | 2002-11-14 | 2003-03-04 |
| GOLDTHORPE, Sarah | Director | 2009-08-11 | 2010-09-01 |
| GRANT, Alan Ernest | Director | 2013-05-23 | 2016-07-06 |
| GRAZIER, Nicholas Edward | Director | 2014-11-27 | 2016-03-11 |
| HUDSON, Mark Andrew | Director | 2023-10-13 | 2023-12-19 |
| HUDSON, Mark Andrew | Director | 2016-10-24 | 2019-12-11 |
| INCE, Rebecca Clare | Director | 2019-12-11 | 2025-10-07 |
| KENDRICK, Andrew James | Director | 2001-05-30 | 2002-11-14 |
| KILPATRICK, Russell William Neil | Director | 2001-05-02 | 2015-04-29 |
| MANNING, Stephen Trevor | Director | 2016-10-24 | 2018-12-31 |
| MARSHALL, David Jonathan | Director | 2011-02-28 | 2015-06-02 |
| MARTIN, Jennifer Louise | Director | 2010-12-09 | 2014-12-16 |
| MERCER, David | Director | 2008-03-07 | 2012-01-16 |
| OLDCORN, Phillip John | Director | 2014-08-04 | 2014-08-04 |
| OLDCORN, Phillip John | Director | 2014-08-04 | 2016-07-01 |
| PATEL, Rinku | Director | 2010-12-09 | 2014-01-31 |
| PETERKIN, Isabelle Alice | Director | 2019-12-11 | 2024-09-01 |
| PETHO, Judit, Dr | Director | 2012-11-21 | 2013-03-08 |
| PRATT, Gordon Robert | Director | 2005-04-01 | 2009-02-25 |
| PRICE, Steven Michael | Director | 2010-10-11 | 2011-02-14 |
| PRIESTLEY-SMITH, Stuart Charles Pearce | Director | 2014-11-27 | 2016-12-01 |
| PRYCE, Richard Vaughan | Director | 2001-02-15 | 2002-11-14 |
| ROBERTSON, Andrew Christopher | Director | 2004-02-09 | 2010-07-18 |
| ROBERTSON, Andrew Christopher | Director | 2003-10-27 | 2004-02-09 |
| SEWELL, Nathan Thom | Director | 2006-11-10 | 2007-10-18 |
| SMITH, Alan | Director | 2003-03-04 | 2004-03-31 |
| SNEDDEN, Katherine Anne Cameron | Director | 2019-12-11 | 2022-06-10 |
| WATSON, Angus James | Director | 2015-10-01 | 2016-09-30 |
| WILLIAMS, Graham David | Director | 2002-11-14 | 2003-03-04 |
| WILTSHIRE, Darren Paul | Director | 2019-09-11 | 2023-09-27 |
| WRIGHT, Stuart | Director | 2001-02-15 | 2002-11-14 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Dual International Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-12-01 | Active |
| Dcr Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-06-06 | Ceased 2016-12-01 |
Filing timeline
Last 20 of 256 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-06 | AA | accounts | Accounts with accounts type full | |
| 2026-03-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-01-09 | CH03 | officers | Change person secretary company with change date | |
| 2025-10-14 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-07-17 | AA01 | accounts | Change account reference date company current extended | |
| 2025-01-08 | AA | accounts | Accounts with accounts type full | |
| 2024-12-24 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-12-11 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-10-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-01 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-10-01 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-09-02 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-02 | TM01 | officers | Termination director company with name termination date | |
| 2024-06-18 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-01-16 | AP01 | officers | Appoint person director company with name date | |
| 2024-01-16 | TM01 | officers | Termination director company with name termination date | |
| 2024-01-16 | AP01 | officers | Appoint person director company with name date | |
| 2024-01-09 | AA | accounts | Accounts with accounts type full | |
| 2023-10-16 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- 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.