FLOOD RE LIMITED
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Cash
—
Latest balance sheet
Net assets
£707m
+5.3% highest in 3 filed years
Employees
78
+2.6% highest in 3 filed years
Profit before tax
£49m
+261.4% highest in 3 filed years
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2026-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 | 2026-03-31 | Δ vs prior |
|---|---|---|---|---|---|
| Gross written premiums | £135,000,000 | £65,826,000 | £80,547,000 | +22.4% | |
| Net earned premiums | £53,279,000 | -£147,937,000 | -£134,540,000 | +9.1% | |
| Claims incurred | £275,791,000 | £177,701,000 | £33,473,000 | -81.2% | |
| Investment return | £39,827,000 | £43,650,000 | £42,584,000 | -2.4% | |
| Profit before tax | £23,755,000 | £13,498,000 | £48,784,000 | +261.4% | |
| Net profit | £16,591,000 | £10,122,000 | £36,584,000 | +261.4% | |
| Insurance contract liabilities | £474,276,000 | £580,654,000 | £487,732,000 | -16% | |
| Total assets | £1,167,650,000 | £1,288,638,000 | £1,230,042,000 | -4.5% | |
| Total liabilities | £506,322,000 | £616,628,000 | £522,660,000 | -15.2% | |
| Equity | £661,328,000 | £672,010,000 | £707,382,000 | +5.3% | |
| Average employees | 64 | 76 | 78 | +2.6% |
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 | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | 43.4% | 47.9% | 42.5% |
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
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Company's ability to continue as a going concern for a period of 12 months from the date of approval of the financial statements (meaning the 12 months to 24 June 2027).”
Significant events
- “On 31 March 2026, the Company cancelled its 2025/26 spread loss reinsurance contract.”
- “The catastrophe bond was also reset as expected on 1 April 2026, reflecting the annual recalibration of terms and pricing to reflect updated exposure levels and risk profile for the forthcoming underwriting year.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 16 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BEYOND GOVERNANCE SECRETARIAL SERVICES LIMITED | Corporate Secretary | 2026-05-01 | — | — |
| BALLANCE, Anthony John | Director | 2024-06-01 | Nov 1964 | British |
| GREEN, Simon Anthony | Director | 2022-01-01 | Oct 1963 | British |
| MURPHY, Michael | Director | 2025-09-01 | Apr 1972 | Irish |
| PILIPOVIC, Latinka | Director | 2025-08-01 | Apr 1969 | British |
| ROSEWELL, Bridget Clare | Director | 2023-08-01 | Sep 1951 | British |
| SHARP, Jean Mary | Director | 2021-04-01 | Mar 1959 | Irish |
| STEDMAN, Shirel | Director | 2023-01-16 | Dec 1970 | British |
| THOMAS, Perry Ian | Director | 2022-01-01 | Jun 1967 | British |
Show 16 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| PUGH, Paul Thomas | Secretary | 2015-06-08 | 2015-12-31 |
| HACKWOOD SECRETARIES LIMITED | Corporate Secretary | 2013-08-30 | 2014-03-31 |
| BORD, Andrew | Director | 2017-02-03 | 2024-07-18 |
| EDEN, Judith Elizabeth | Director | 2016-01-01 | 2024-07-18 |
| EVANS, Huw David | Director | 2014-03-31 | 2021-12-31 |
| GOLDING, Adam Jon | Director | 2015-04-13 | 2020-11-03 |
| HINDLEY, David | Director | 2015-04-13 | 2021-12-31 |
| HOBAN, Mark Gerard | Director | 2015-01-31 | 2023-10-01 |
| IGHODARO, Claire Aimie Clara | Director | 2016-01-01 | 2021-06-30 |
| KERR, Aidan | Director | 2014-09-08 | 2015-03-31 |
| LEINSTER, Paul, Dr | Director | 2016-01-01 | 2023-03-31 |
| LOGUE, Stuart Bruce | Director | 2020-11-03 | 2025-02-03 |
| MCCAFFERTY, Brendan Eamon | Director | 2014-11-03 | 2017-02-11 |
| NEWCOMBE, Paul Alan | Director | 2013-08-30 | 2014-03-31 |
| THORESEN, Otto | Director | 2014-03-31 | 2015-01-31 |
| WOOLGROVE, Thomas | Director | 2014-05-27 | 2015-01-31 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 77 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-13 | AA | accounts | Accounts with accounts type full | |
| 2026-05-07 | AP04 | officers | Appoint corporate secretary company with name date | |
| 2025-09-08 | AP01 | officers | Appoint person director company with name date | |
| 2025-08-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-04 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-31 | AA | accounts | Accounts with accounts type full | |
| 2025-02-04 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-22 | AAMD | accounts | Accounts amended with accounts type full | |
| 2024-10-15 | AA | accounts | Accounts with accounts type full | |
| 2024-08-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-20 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-19 | TM01 | officers | Termination director company with name termination date | |
| 2024-06-26 | AP01 | officers | Appoint person director company with name date | |
| 2023-10-18 | TM01 | officers | Termination director company with name termination date | |
| 2023-08-17 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-08-11 | AP01 | officers | Appoint person director company with name date | |
| 2023-07-24 | AA | accounts | Accounts with accounts type full | |
| 2023-04-03 | TM01 | officers | Termination director company with name termination date | |
| 2023-01-27 | AP01 | officers | Appoint person director company with name date | |
| 2023-01-17 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- Capital events
- 0
- Officers appointed
- 3
- 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.