ACCREDITED INSURANCE (UK) LIMITED
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Cash
—
Latest balance sheet
Net assets
£9.8M
-21.5% vs 2024
Employees
—
Average over period
Profit before tax
-£3.6M
-28.7% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
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 | — | £3,777,981 | £42,938,063 | +1,036.5% | |
| Net earned premiums | — | £21,514 | £3,313,791 | +15,303% | |
| Claims incurred | — | £24,574 | £3,084,026 | +12,450% | |
| Investment return | — | £206,274 | £656,983 | +218.5% | |
| Profit before tax | — | -£2,767,283 | -£3,561,315 | -28.7% | |
| Net profit | — | -£2,075,462 | -£2,673,637 | -28.8% | |
| Insurance contract liabilities | — | £3,757,905 | £33,028,737 | +778.9% | |
| Total assets | £1 | £24,020,012 | £67,504,909 | +181% | |
| Total liabilities | — | £11,595,474 | £57,754,008 | +398.1% | |
| Equity | £1 | £12,424,538 | £9,750,901 | -21.5% | |
| Average employees | — | — | — | — |
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) | — | 48.3% | 85.6% |
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.
Name history
Renamed 2 times since incorporation
- ACCREDITED INSURANCE (UK) LIMITED 2024-09-13 → present
- ACCREDITED R&Q LIMITED 2023-09-25 → 2024-09-13
- R&Q PROGRAM LIMITED 2023-04-27 → 2023-09-25
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 satisfied, after considering the financial position of the Company as at year end, the Company's operational performance as well as future business plans, that they have reasonable expectation that the Company has adequate resources and a strong business strategy to continue its operations for the foreseeable future.”
Significant events
- “The Company received a capital contribution of £9 million provided by the Company's shareholder in March 2026.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 4 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BLACK, Hilary Margaret | Secretary | 2026-06-20 | — | — |
| ALLEN, Peter David | Director | 2024-01-24 | Jan 1961 | British |
| CASINGENA, Cristina-Maria, Ms. | Director | 2026-05-26 | Jul 1969 | Maltese |
| GLEN, Paul Edward | Director | 2024-01-24 | Dec 1960 | British |
| MCMURDO, Stuart Forbes | Director | 2025-02-11 | Apr 1971 | British |
| MELVILLE, John De Villiers | Director | 2026-04-27 | May 1965 | South African |
| PENNINGTON, Steve | Director | 2025-07-16 | Mar 1964 | British |
Show 4 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| PROGRAM MANAGEMENT SERVICES UK LIMITED | Corporate Secretary | 2024-05-01 | 2026-06-19 |
| R&Q CENTRAL SERVICES LIMITED | Corporate Secretary | 2023-04-27 | 2024-05-01 |
| CURTIS, Lee | Director | 2023-04-27 | 2025-01-03 |
| JOHNSON, Colin David | Director | 2023-04-27 | 2024-08-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Gerald Wilfred Schwartz | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2024-06-28 | Ceased 2026-05-11 |
| R&Q Uk Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2023-04-27 | Ceased 2024-06-28 |
Filing timeline
Last 20 of 32 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-09-13 CERTNM Certificate change of name company
- 2024-09-13 NM06 Change of name request comments
- 2024-09-13 CONNOT Change of name notice
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-02 | PSC08 | persons-with-significant-control | Notification of a person with significant control statement | |
| 2026-07-02 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2026-06-26 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-06-26 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-06-08 | AA | accounts | Accounts with accounts type full | |
| 2026-05-27 | AP01 | officers | Appoint person director company with name date | |
| 2026-05-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-05-06 | AP01 | officers | Appoint person director company with name date | |
| 2025-08-08 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-07 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-07-07 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-05-27 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-05-01 | AA | accounts | Accounts with accounts type full | |
| 2025-02-11 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-28 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-12 | AA | accounts | Accounts with accounts type dormant | |
| 2024-09-13 | CERTNM | change-of-name | Certificate change of name company | |
| 2024-09-13 | NM06 | change-of-name | Change of name request comments | |
| 2024-09-13 | CONNOT | change-of-name | Change of name notice | |
| 2024-09-02 | SH01 | capital | Capital allotment shares |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 11
- Capital events
- 1
- Officers appointed
- 4
- 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.