INIGO LIMITED
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Cash
—
Latest balance sheet
Net assets
£709M
USD 947,399,000
+17.1% vs 2023
Employees
213
+23.8% vs 2023
Profit before tax
£135M
USD 180,248,000
+24.7% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
4 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · Δ = latest vs prior filed period · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | Δ vs prior |
|---|---|---|---|---|
| Gross written premiums | £811,054,799 | £973,655,487 | +20% | |
| Net earned premiums | £556,336,278 | £699,067,974 | +25.7% | |
| Claims incurred | £307,445,725 | £401,676,898 | +30.6% | |
| Investment return | £34,435,544 | £54,017,068 | +56.9% | |
| Profit before tax | £108,208,564 | £134,936,368 | +24.7% | |
| Net profit | £80,578,679 | £100,830,214 | +25.1% | |
| Insurance contract liabilities | £840,635,574 | £1,143,212,307 | +36% | |
| Total assets | £1,589,316,514 | £2,018,672,705 | +27% | |
| Total liabilities | — | — | — | |
| Equity | £605,533,763 | £709,237,161 | +17.1% | |
| Average employees | 172 | 213 | +23.8% |
Figures converted to GBP from USD at 0.749 per USD (Frankfurter spot rate) — hover any figure for the original. — 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 |
|---|---|---|---|
| Gearing (liabilities / total assets) | 61.9% | 64.9% |
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
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“we have not identified, and concur with the directors' assessment that there is not, a material uncertainty related to events or conditions that, individually or collectively, may cast significant doubt on the Group or the Company's ability to continue as a going concern for the going concern period.”
Group structure
- INIGO LIMITED · parent
- Inigo Managing Agent Limited 100%
- Inigo Corporate Member Limited 100%
- Redbudbridge Limited 100%
Significant events
- “On 2 January 2025, ICML, the corporate member supporting Syndicate 1301, transferred all its Funds at Lloyd's (FAL) to the Protected Cell 16 of London Bridge 2 PCC Limited (Cell 16). Cell 16 entered into a reinsurance arrangement with ICML and deposited the assets with Lloyd's as FAL on the same date.”
- “In April 2025, Inigo Limited acquired a minority stake in Motion Specialty, a specialised Managing General Agent (MGA) based in the United States that underwrites High Value Homes and Flood insurance contracts on behalf of insurance companies.”
- “The Group has exposure to claims resulting from the California wildfires in January 2025 which will be accounted for in the year ending 31 December 2025.”
- “In 2024, the net claims ratio was 57.5% (2023: 55.3%), driven by an exceptionally active 2024 hurricane season. The year saw 18 named storms, 11 hurricanes and 5 major hurricanes, including Hurricanes Milton and Helene.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
11 active · 9 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BARRETT, Colm Donal | Secretary | 2023-06-22 | — | — |
| BOWE, Amanda Helen | Director | 2022-02-14 | Feb 1968 | British |
| BRIDGES, Stuart John | Director | 2020-07-23 | Sep 1960 | British |
| CIFELLI, Siobhan Caroline | Director | 2021-01-27 | Jun 1964 | British |
| DAVIES, Howard John, Sir | Director | 2020-12-09 | Feb 1951 | British |
| DEAN, James William | Director | 2021-01-27 | Nov 1957 | British |
| HARTLEY, Vanessa Sarah | Director | 2026-02-02 | Nov 1972 | British |
| KNIGHTLEY, Craig | Director | 2025-07-28 | Jul 1987 | British |
| MERRETT, Russell Mark | Director | 2020-07-23 | Aug 1966 | British |
| THORNBERRY, Richard Gerald | Director | 2026-02-02 | Dec 1958 | American |
| WATSON, Richard Colin | Director | 2020-07-23 | May 1963 | British |
Show 9 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BRIDGES, Stuart John | Secretary | 2020-07-23 | 2021-10-04 |
| EFFS, Romeo | Secretary | 2023-01-11 | 2023-06-21 |
| TRAXLER, Clare Ellis | Secretary | 2021-10-04 | 2023-01-11 |
| ESCALANTE GARCIA, David | Director | 2020-12-03 | 2022-11-23 |
| FRIEDWAGNER, Ralph Christian | Director | 2022-11-23 | 2026-02-02 |
| GRUBER, Steven Bennett | Director | 2020-11-19 | 2026-02-02 |
| HANFORD, Tim John | Director | 2020-11-19 | 2026-02-02 |
| JURDJEVIC, Peter | Director | 2020-11-19 | 2026-02-02 |
| KEAN, Susan Patricia | Director | 2021-01-27 | 2021-11-17 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Radian Us Holdings Inc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors (as firm), Significant influence (as firm) | 2026-02-02 | Active |
| Mr Russell Mark Merrett | Individual | Shares 25–50%, Voting 25–50% | 2020-07-23 | Ceased 2020-11-19 |
| Mr Stuart John Bridges | Individual | Shares 25–50%, Voting 25–50% | 2020-07-23 | Ceased 2020-11-19 |
| Mr Richard Colin Watson | Individual | Shares 25–50%, Voting 25–50% | 2020-07-23 | Ceased 2020-11-19 |
Filing timeline
Last 20 of 77 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-02-21 RESOLUTIONS Resolution
- 2026-02-21 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-02-25 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2026-02-23 | PSC09 | persons-with-significant-control | Withdrawal of a person with significant control statement | |
| 2026-02-21 | RESOLUTIONS | resolution | Resolution | |
| 2026-02-21 | MA | incorporation | Memorandum articles | |
| 2026-02-03 | AP01 | officers | Appoint person director company with name date | |
| 2026-02-03 | AP01 | officers | Appoint person director company with name date | |
| 2026-02-03 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-03 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-03 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-27 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-07-28 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-10 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-05-06 | AA | accounts | Accounts with accounts type group | |
| 2025-03-07 | SH01 | capital | Capital allotment shares | |
| 2025-01-21 | SH01 | capital | Capital allotment shares | |
| 2024-09-13 | RP04CS01 | confirmation-statement | Second filing of confirmation statement with made up date | |
| 2024-08-06 | AA | accounts | Accounts with accounts type group | |
| 2024-07-09 | RP04SH01 | capital | Second filing capital allotment shares | |
| 2024-06-28 | CS01 | confirmation-statement | Confirmation statement with updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 13
- Capital events
- 3
- Officers appointed
- 3
- Officers resigned
- 4
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.