ENVELOP RISK ANALYTICS LIMITED
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Cash
£81m
+10.9% vs 2024
Net assets
£106m
+17.2% highest in 3 filed years
Employees
70
+2.9% highest in 3 filed years
Profit before tax
£12m
+23.1% 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 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | — | £34,611,079 | £44,893,281 | +29.7% | |
| Operating profit | — | £8,298,396 | £14,908,794 | +79.7% | |
| Profit before tax | -£21,172,202 | £9,706,287 | £11,951,612 | +23.1% | |
| Net profit | -£21,172,202 | £12,616,429 | £14,473,227 | +14.7% | |
| Cash | — | £73,279,344 | £81,302,999 | +10.9% | |
| Total assets less current liabilities | — | £108,331,789 | £133,713,679 | +23.4% | |
| Net assets | £73,073,977 | £90,163,166 | £105,693,676 | +17.2% | |
| Equity | £73,073,977 | £90,163,166 | £105,693,676 | +17.2% | |
| Average employees | 60 | 68 | 70 | +2.9% | |
| Wages | £9,571,099 | £10,334,225 | £10,424,210 | +0.9% | |
| Directors' remuneration | £1,840,055 | £1,531,550 | — | — | |
| Highest paid director | £1,064,100 | £842,200 | — | — |
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 | — | 24.0% | 33.2% | |
| Net margin | — | 36.5% | 32.2% | |
| Return on capital employed | — | 7.7% | 11.1% | |
| Gearing (liabilities / total assets) | 15.4% | 23.8% | 30.6% | |
| Current ratio | — | 10.16x | 6.09x |
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
- Reporting scope
- Consolidated group
- Auditor
- PricewaterhouseCoopers CI LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have a reasonable expectation that the group will have adequate resources to continue in operational existence for the foreseeable future.”
Group structure
- ENVELOP RISK ANALYTICS LIMITED · parent
- Envelop Risk (Bermuda) Ltd. 100%
- Envelop Risk Analytics LLC 100%
- Datastream Insurance Services Inc. 93.75%
- Envelop Risk Services Limited 100%
- Envelop Risk Bermuda Holdings Ltd. 100%
- Augmented Re Ltd. 100%
- Envelop Corporate Capital Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 8 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BELL, Graeme David | Director | 2020-09-10 | Mar 1977 | British |
| DELHAISE, Rachel Mary | Director | 2020-07-20 | Jun 1967 | English |
| GILL, Zoravar | Director | 2025-02-05 | Apr 1992 | Indian |
| GOLDIE, Charles Townsend | Director | 2021-11-18 | May 1966 | American |
| O'HARA, Brian Michael | Director | 2018-05-31 | Apr 1948 | American |
| SPRY, Jonathan Lionel | Director | 2017-05-16 | Jul 1977 | British |
Show 8 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BEAZLEY, Christopher James | Director | 2019-09-16 | 2021-08-31 |
| CUNHA-GOMES, Neil Anthony | Director | 2021-10-15 | 2024-09-25 |
| FEW, James Richard | Director | 2019-03-18 | 2019-09-04 |
| GUTHRIE, Paul Joseph | Director | 2016-12-19 | 2018-02-15 |
| HANSEN, Nicolai Borcher | Director | 2017-12-06 | 2020-06-08 |
| JOHNSON, Ray, Dr. | Director | 2018-02-15 | 2021-10-15 |
| PATEL, Jinesh Kiran | Director | 2016-12-19 | 2019-12-19 |
| THORNE, Stephen James Man-Wah | Director | 2024-09-25 | 2025-02-05 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Nicolai Borcher Hansen | Individual | Shares 25–50%, Voting 25–50% | 2017-05-16 | Ceased 2018-12-28 |
| Qxbranch Uk Limited | Corporate entity | Shares 25–50% (as firm), Voting 25–50% (as firm) | 2016-12-19 | Ceased 2019-07-18 |
Filing timeline
Last 20 of 118 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-25 | AA | accounts | Accounts with accounts type group | |
| 2025-12-23 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-02 | AA | accounts | Accounts with accounts type group | |
| 2025-03-05 | AP01 | officers | Appoint person director company with name date | |
| 2025-03-04 | TM01 | officers | Termination director company with name termination date | |
| 2024-12-23 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-12-18 | AP01 | officers | Appoint person director company with name date | |
| 2024-12-17 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-26 | SH01 | capital | Capital allotment shares | |
| 2024-10-12 | AA | accounts | Accounts with accounts type group | |
| 2023-12-22 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-09-29 | SH01 | capital | Capital allotment shares | |
| 2023-08-24 | AA | accounts | Accounts with accounts type group | |
| 2023-05-26 | CH01 | officers | Change person director company with change date | |
| 2023-04-21 | CH01 | officers | Change person director company with change date | |
| 2023-04-21 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-04-12 | RP04SH01 | capital | Second filing capital allotment shares | |
| 2023-04-03 | CH01 | officers | Change person director company with change date | |
| 2023-04-03 | CH01 | officers | Change person director company with change date | |
| 2023-04-03 | CH01 | officers | Change person director company |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 1
- 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.