MUNITUS INSURANCE LIMITED
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Cash
£2.3M
+21.6% vs 2024
Net assets
£1.6M
+21.8% vs 2024
Employees
—
Average over period
Profit before tax
£1.7M
+17.1% vs 2024
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 | £4,218,301 | £3,448,752 | £3,913,791 | +13.5% | |
| Operating profit | £2,108,671 | £1,388,830 | £1,656,196 | +19.3% | |
| Profit before tax | £2,201,237 | £1,476,287 | £1,728,798 | +17.1% | |
| Net profit | £1,680,553 | £1,099,734 | £1,291,329 | +17.4% | |
| Cash | £2,440,027 | £1,920,830 | £2,335,213 | +21.6% | |
| Total assets less current liabilities | £1,917,435 | £1,337,169 | £1,628,498 | +21.8% | |
| Net assets | £1,917,435 | £1,337,169 | £1,628,498 | +21.8% | |
| Equity | £1,917,435 | £1,337,169 | £1,628,498 | +21.8% | |
| Average employees | — | — | — | — | |
| Wages | £990,972 | £922,369 | £1,012,308 | +9.8% | |
| Directors' remuneration | £250,338 | £263,556 | £272,870 | +3.5% |
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 | 50.0% | 40.3% | 42.3% | |
| Net margin | 39.8% | 31.9% | 33.0% | |
| Return on capital employed | 110.0% | 103.9% | 101.7% | |
| Gearing (liabilities / total assets) | 61.6% | 65.9% | 64.2% | |
| Current ratio | 1.62x | 1.52x | 1.56x |
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 2 times since incorporation
- MUNITUS INSURANCE LIMITED 2019-10-30 → present
- MUNITUS AGENCY LIMITED 2019-09-20 → 2019-10-30
- FINN AGENCY LIMITED 2019-08-09 → 2019-09-20
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors believe the Company has adequate resources to continue in operational existence for at least 12 months from the date of authorisation of these financial statements. Accordingly, they continue to adopt the going concern basis in preparing the financial statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 3 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CHABE, Tamara | Secretary | 2025-07-29 | — | — |
| MARSDEN, Heather Elizabeth | Secretary | 2020-11-25 | — | — |
| NAHER, Shamsun | Secretary | 2023-02-21 | — | — |
| CAVANAGH, John Paul | Director | 2019-08-09 | Oct 1958 | British |
| MARSDEN, Heather Elizabeth | Director | 2023-02-22 | Oct 1974 | American |
| MCCOOL, Kevin Francis | Director | 2020-02-04 | May 1968 | British |
| RAYNER, Paul Michael, Mr. | Director | 2019-08-09 | Jul 1978 | British |
Show 3 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BAKER, Katie Victoria | Secretary | 2019-08-09 | 2025-08-04 |
| RUGHANI, Shradha | Secretary | 2019-08-09 | 2023-01-26 |
| RUGHANI, Shradha | Director | 2019-08-09 | 2023-01-25 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Kevin Francis Mccool | Individual | Shares 25–50%, Voting 25–50% | 2020-02-11 | Ceased 2021-07-26 |
| Octave Specialty Limited | Corporate entity | Shares 50–75%, Voting 50–75%, Appoints directors | 2019-08-09 | Active |
Filing timeline
Last 20 of 55 total filings
Material constitutional events — rename, articles re-file, resolution
- 2023-03-09 MA Memorandum articles
- 2023-03-09 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-24 | AA | accounts | Accounts with accounts type full | |
| 2025-12-12 | RP01AP01 | officers | Replacement filing of director appointment with name | |
| 2025-11-25 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-08-14 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-08-12 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-08-12 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-08-08 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-08-05 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-06-09 | AA | accounts | Accounts with accounts type full | |
| 2024-08-08 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-07-23 | AA | accounts | Accounts with accounts type full | |
| 2024-05-31 | CH01 | officers | Change person director company with change date | |
| 2024-02-29 | SH06 | capital | Capital cancellation shares | |
| 2024-02-01 | SH03 | capital | Capital return purchase own shares | |
| 2023-10-13 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2023-09-19 | AA | accounts | Accounts with accounts type full | |
| 2023-08-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-03-09 | MA | incorporation | Memorandum articles | |
| 2023-03-09 | RESOLUTIONS | resolution | Resolution | |
| 2023-02-28 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- Capital events
- 0
- Officers appointed
- 1
- 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.