THE HOSPITAL SATURDAY FUND
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Cash
—
Latest balance sheet
Net assets
£45m
+0.2% vs 2024
Employees
88
+11.4% highest in 3 filed years
Profit before tax
£121k
-89.8% lowest in 3 filed years
Net assets
3-year trend · vs Health Care 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 | — | £33,800,417 | £36,460,809 | +7.9% | |
| Net earned premiums | — | £33,713,381 | £36,055,768 | +6.9% | |
| Claims incurred | — | £24,459,264 | £27,038,532 | +10.5% | |
| Investment return | — | £3,389,724 | £2,331,795 | -31.2% | |
| Profit before tax | £395,390 | £1,184,149 | £120,977 | -89.8% | |
| Net profit | £287,790 | £861,289 | £91,012 | -89.4% | |
| Insurance contract liabilities | — | £4,188,430 | £4,739,852 | +13.2% | |
| Total assets | £51,221,997 | £51,571,039 | £52,211,137 | +1.2% | |
| Total liabilities | — | — | — | — | |
| Equity | £45,931,383 | £45,117,167 | £45,208,180 | +0.2% | |
| Average employees | 78 | 79 | 88 | +11.4% |
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 | -3.8% | -0.5% | — | |
| Net margin | 0.9% | 2.6% | — | |
| Return on capital employed | -2.5% | -0.4% | — | |
| Gearing (liabilities / total assets) | 10.3% | 12.5% | 13.4% | |
| Current ratio | 2.09x | 1.73x | — |
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.
Audit & accounting basis
- Accounting basis
- FRS 102, FRS 103
- Reporting scope
- Consolidated group
- Auditor
- MHA
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Trustees have concluded that there is a reasonable expectation that the charity has adequate resources to continue in operational existence for the foreseeable future and there are no material uncertainties about the charities ability to continue as a going concern. This is based on the value of investments held and forecast future cashflows.”
Group structure
- THE HOSPITAL SATURDAY FUND · parent
- HSF Health Plan Ltd 100%
- HSF Health Plan Malta Ltd 100%
- HSF Assist Ltd 100%
Significant events
- “Following the UK's exit from the European Union, the Solvency II regime has transformed into Solvency UK during 2025.”
- “On the 4th of January 2021 the CBI issued the company with a letter and certificate of authorisation confirming the company's status in Ireland as a Branch in the state of a Third Country Insurance Undertaking. The company has operated under these new regulatory arrangements throughout 2025.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 14 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| JONES, Pauline Jill | Secretary | 2019-11-21 | — | — |
| DALTON, Jane Laidlaw | Director | 2007-01-02 | Oct 1962 | British |
| DAVIES, Mark | Director | 2014-10-08 | May 1963 | English |
| GREENWOOD, John | Director | 2007-01-02 | Jan 1948 | British |
| HEALY, Cal | Director | 2022-03-15 | Feb 1961 | Irish |
| MINETT, James Gowing | Director | 2025-06-16 | Feb 1958 | British |
| THOMAS, David | Director | 2007-01-02 | Jul 1953 | Irish |
| TOMLINSON, Lynn | Director | 2024-10-16 | Jul 1958 | British |
| ZAMMIT, Anna Maria, Dr | Director | 2024-10-23 | Jun 1989 | Maltese |
Show 14 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| JACKSON, Paul William | Secretary | 2007-01-02 | 2011-05-31 |
| RICHARDS, Zenaid | Secretary | 2011-06-01 | 2016-11-21 |
| WHITTINGTON, Michelle Louise Mary | Secretary | 2016-11-21 | 2019-11-21 |
| ARNOT, Thomas Mckenzie, Group Captain | Director | 2007-01-02 | 2007-10-09 |
| BOTTOMLEY, Christopher Joseph | Director | 2010-10-12 | 2014-03-11 |
| BOYLE, Michael James | Director | 2007-01-02 | 2014-10-08 |
| BRADLEY, Keith Roderick | Director | 2007-01-02 | 2008-03-31 |
| FOX, Dominic Nicholas | Director | 2022-03-15 | 2025-05-23 |
| HIND, Graham Robert Mason | Director | 2007-01-02 | 2010-10-12 |
| LAWREY, Keith | Director | 2007-10-09 | 2010-10-12 |
| LEE, Pauline Eunice | Director | 2010-10-12 | 2013-10-09 |
| PALMER, Paul William, Professor | Director | 2013-10-09 | 2021-11-04 |
| RANDEL, John | Director | 2007-01-02 | 2024-10-16 |
| ROGERS, Margaret | Director | 2014-10-08 | 2024-06-15 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 98 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-17 | CH01 | officers | Change person director company with change date | |
| 2026-07-17 | CH01 | officers | Change person director company with change date | |
| 2026-07-15 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-07-04 | AA | accounts | Accounts with accounts type group | |
| 2026-05-27 | AP01 | officers | Appoint person director company with name date | |
| 2026-05-26 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-26 | TM01 | officers | Termination director company with name termination date | |
| 2026-01-04 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-11-21 | CH01 | officers | Change person director company with change date | |
| 2025-06-27 | AP01 | officers | Appoint person director company with name date | |
| 2025-06-12 | AA | accounts | Accounts with accounts type group | |
| 2025-06-05 | TM01 | officers | Termination director company with name termination date | |
| 2025-01-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-11-06 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-28 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-21 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-16 | AA | accounts | Accounts with accounts type group | |
| 2024-06-28 | TM01 | officers | Termination director company with name termination date | |
| 2024-01-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-07 | AA | accounts | Accounts with accounts type group |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- 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.