LAKE UTG LIMITED
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Cash
—
Latest balance sheet
Net assets
—
Equity attributable
Employees
—
Average over period
Profit before tax
—
Period ending 2025-12-31
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 |
|---|---|---|---|---|---|
| Gross written premiums | £1,803,483 | £2,186,542 | £2,565,531 | +17.3% | |
| Net earned premiums | £753,555 | £1,579,590 | £1,815,852 | +15% | |
| Claims incurred | £395,015 | £847,369 | £834,843 | -1.5% | |
| Investment return | £15,823 | £47,040 | £∞ | +∞% | |
| Profit before tax | -£98,307 | £3,368 | — | — | |
| Net profit | -£73,783 | -£1,777 | — | — | |
| Insurance contract liabilities | £1,211,577 | £2,204,363 | £4,150,721 | +88.3% | |
| Total assets | £2,244,303 | £3,526,003 | — | — | |
| Total liabilities | £1,443,846 | £2,725,546 | — | — | |
| Equity | £800,457 | £800,457 | — | — | |
| Average employees | 0 | 0 | — | — |
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 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | 64.3% | 77.3% | — |
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
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors are of the opinion that the Company has adequate resources to meet its underwriting and other operational obligations for the foreseeable future. Accordingly, the going concern concept has been adopted in the preparation of the Financial Statements.”
Significant events
- “Reclassification of all Funds at Lloyd's (FAL) in the current year from Other debtors to Financial investments and/or Cash at bank and in hand.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 1 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HAMPDEN LEGAL PLC | Corporate Secretary | 2022-08-23 | — | — |
| HEWITT, Richard Harman | Director | 2023-01-01 | Aug 1948 | British |
| TOTTMAN, Mark John | Director | 2023-07-31 | Jun 1964 | British |
| NOMINA PLC | Corporate Director | 2022-08-23 | — | — |
Show 1 resigned officer
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| EVANS, Jeremy Richard Holt | Director | 2022-08-23 | 2023-07-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Richard Harman Hewitt | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2023-01-01 | Active |
| Nomina Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2022-08-23 | Ceased 2023-01-01 |
Filing timeline
Last 17 of 17 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-21 | AA | accounts | Accounts with accounts type full | |
| 2026-08-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-07 | AA | accounts | Accounts with accounts type full | |
| 2025-08-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-05 | AA | accounts | Accounts with accounts type full | |
| 2024-08-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-29 | AA | accounts | Accounts with accounts type full | |
| 2023-09-18 | SH01 | capital | Capital allotment shares | |
| 2023-08-31 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-07-31 | AP01 | officers | Appoint person director company with name date | |
| 2023-07-31 | TM01 | officers | Termination director company with name termination date | |
| 2023-01-05 | PSC01 | persons-with-significant-control | Notification of a person with significant control | |
| 2023-01-05 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2023-01-05 | AP01 | officers | Appoint person director company with name date | |
| 2022-12-20 | AA01 | accounts | Change account reference date company current shortened | |
| 2022-10-21 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2022-08-23 | NEWINC | incorporation | Incorporation company |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 0
- 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.