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Cash

Latest balance sheet

Net assets

£52M

USD 68,805,000

+10.9% highest in 3 filed years

Employees

Average over period

Profit before tax

£8.7M

USD 11,602,000

+9% highest in 3 filed years

Accounts

3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31

Metric Trend 2023-12-312024-12-312025-12-31 Δ vs prior
Gross written premiums £39,713,280£50,457,404£66,456,056 +31.7%
Net earned premiums £37,703,998£40,134,002£59,088,187 +47.2%
Claims incurred £14,548,585£14,952,089£24,335,978 +62.8%
Investment return £717,922£1,657,434£1,817,637 +9.7%
Profit before tax £6,720,317£7,970,505£8,685,432 +9%
Net profit £4,989,519£5,958,976£6,546,639 +9.9%
Insurance contract liabilities £38,009,433£50,999,401£76,961,371 +50.9%
Total assets £87,712,981£103,888,307£137,562,509 +32.4%
Total liabilities £47,212,906£57,429,256£86,081,000 +49.9%
Equity £40,500,075£46,459,051£51,508,459 +10.9%
Average employees 00

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 2023-12-312024-12-312025-12-31
Gearing (liabilities / total assets) 53.8%55.3%62.6%

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
Standalone (parent only)
Auditor
Deloitte LLP
Audit opinion
Unqualified (clean)
Going concern
Affirmed

“The Directors have assessed the Company's ability to continue as a going concern by considering cash flows, consistency of loss ratios-and-the-ability-to-meet-its-capital-obligations-with-the-support-of the wider Group. For this reason, they continue to adopt the going concern basis in preparing the financial statements.”

Significant events

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

People

4 active · 4 resigned

Name Role Appointed Born Nationality
WARD, Holly Secretary 2026-01-28
O'SHEA, Louise Director 2025-03-13 Jan 1980 British
POOLE, Jane Carmel Director 2025-12-15 Aug 1980 British
TAYLOR, Matthew Director 2021-03-24 Dec 1969 British
Show 4 resigned officers
Name Role Appointed Resigned
MOORE, Kirsten Secretary 2021-03-24 2026-01-27
GRIST, Michael Benjamin Director 2021-03-24 2025-12-15
HOLMES, Andrew Robert Director 2024-01-08 2025-01-21
WALSH, David Charles Anthony Director 2021-03-24 2024-01-08

Ownership

Persons with significant control

Name Kind Nature of control Notified Status
Cfc Group Holdings Limited Corporate entity Shares 75–100%, Voting 75–100%, Appoints directors 2021-03-24 Active

Filing timeline

Last 20 of 39 total filings

Material constitutional events — rename, articles re-file, resolution

  • 2026-05-21 RESOLUTIONS Resolution
Date Type Category Description
2026-06-08 AA accounts Accounts with accounts type full
2026-05-21 SH19 capital Capital statement capital company with date currency figure
2026-05-21 SH20 capital Legacy
2026-05-21 CAP-SS insolvency Legacy
2026-05-21 RESOLUTIONS resolution Resolution
2026-04-02 CS01 confirmation-statement Confirmation statement with no updates PDF
2026-02-03 AP03 officers Appoint person secretary company with name date PDF
2026-02-03 TM02 officers Termination secretary company with name termination date PDF
2025-12-20 AP01 officers Appoint person director company with name date PDF
2025-12-18 TM01 officers Termination director company with name termination date PDF
2025-07-22 CH01 officers Change person director company with change date PDF
2025-07-16 CH01 officers Change person director company with change date PDF
2025-06-26 CH01 officers Change person director company with change date PDF
2025-06-26 CH01 officers Change person director company with change date PDF
2025-06-13 AA accounts Accounts with accounts type full
2025-06-03 CH01 officers Change person director company with change date PDF
2025-06-02 PSC05 persons-with-significant-control Change to a person with significant control PDF
2025-05-16 AD01 address Change registered office address company with date old address new address PDF
2025-04-04 CS01 confirmation-statement Confirmation statement with updates PDF
2025-04-04 CH01 officers Change person director company with change date PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
12

last 12 months

Capital events
2

last 24 months

Officers appointed
2

last 12 months

Officers resigned
2

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.

Official Companies House page