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Next accounts due

2026-06-30 (in 1mo)

Last filed for 2024-12-31

Confirmation statement due

2027-05-17 (in 1y)

Last made up 2026-05-03

Watchouts

None on the register

Cash

Latest balance sheet

Net assets

£25M

Equity attributable

Employees

14

Average over period

Profit before tax

£6M

Period ending 2024-12-31

Accounts

2-year trend · latest reflected 2024-12-31

Metric Trend 2023-12-312024-12-31
Gross written premiums £16,800,000£15,600,000
Net earned premiums £10,200,000£9,300,000
Claims incurred £7,200,000£4,900,000
Investment return £2,200,000£600,000
Profit before tax £7,800,000£5,900,000
Net profit £6,000,000£4,500,000
Insurance contract liabilities £36,600,000£37,100,000
Total assets £70,200,000£69,400,000
Total liabilities
Equity £27,400,000£25,400,000
Average employees 1414

Values shown as filed in the company's annual accounts. indicates the figure wasn't present under that line item in that period. About these numbers

Ratios

Computed from the line items above — sparklines read oldest → newest

Ratio Trend 2023-12-312024-12-31
Gearing (liabilities / total assets) 61.0%63.4%

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.

Audit & accounting basis

Accounting basis
FRS 102
Reporting scope
Standalone (parent only)
Auditor
Deloitte LLP
Audit opinion
Unqualified (clean)
Going concern
Affirmed

“The accounts have been prepared on a going concern basis. The Directors consider that the Company has adequate resources and continues to have a strong solvency ratio which remains within the Company's risk appetite to continue in operation and are satisfied that it is appropriate to 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 · 29 resigned

Name Role Appointed Born Nationality
JOHNS, Sian Elizabeth Secretary 2023-06-22
DIXON, Hannah Marie Director 2023-04-01 Feb 1977 British
HARVEY, Graham Director 2023-04-01 May 1958 British
MORLEY, Richard David Director 2016-04-08 Jul 1967 British
Show 29 resigned officers
Name Role Appointed Resigned
COOPER, William Edward Secretary 1999-11-18
CREECHAN, James Damian Secretary 1999-11-18 2023-06-22
ALDERSEY, Peter William Director 1991-07-17 1995-10-06
BILBY, Colin Thomas Director 1991-07-18
BOWER, Steven Mark Director 2022-06-17 2023-03-31
BUTLER, Richard Clive, Sir Director 1996-01-12
CARTER, Nicholas Director 1999-08-01 2001-09-28
CARTER, Richard John, Jp Director 1998-07-16 2003-06-16
CRIBB, Joanne Director 2016-03-08 2023-03-31
CURRY, Donald Thomas Younger, Lord Director 2000-06-01 2011-12-31
DEACON, Robert Anthony Director 1995-12-21 1997-06-30
EVANS, Alun Director 2000-05-31
GEDEN, Ian Scott Director 2001-03-15 2008-11-01
GRANT, Ian David, Sir Director 2003-06-16 2008-07-31
HARRIS, Alan Director 2010-01-04 2011-05-31
HARRIS, Alan Director 2002-02-11 2006-03-22
HITCHCOCK, Arnold Quinney Director 1999-07-31
HODSON, Beverley Cliffe Director 2007-08-01 2012-06-21
LEECH, Ian Charles Director 2011-05-31 2013-07-16
LUCAS, Robert James Director 2006-03-22 2008-02-01
MORROW, William Robert Director 1998-04-30
PERCY, Charles Richard Director 2007-11-21 2016-03-08
ROBERTS, John Owen Director 2010-04-14 2016-03-08
SCHOUTEN, Wilhelmus Johannes Maria Director 2005-06-01 2009-12-31
SINCLAIR, Lindsay Neil Director 2008-11-01 2021-03-31
SKELTON, Julian Miles Director 2008-02-01 2010-03-29
TINSLEY, Mark Patrick Director 2012-01-19 2014-12-31
TURNER, Nicholas James Director 2021-04-01 2022-06-17
YOUNG, Andrew Skinner Director 2002-01-31

Ownership

Persons with significant control

Name Kind Nature of control Notified Status
N.F.U. Mutual Management Company Limited Corporate entity Shares 75–100%, Voting 75–100%, Appoints directors 2016-04-06 Active

Filing timeline

Last 20 of 190 total filings

Date Type Category Description
2026-05-06 CS01 confirmation-statement Confirmation statement with no updates PDF
2025-06-23 AA accounts Accounts with accounts type full
2025-05-12 CS01 confirmation-statement Confirmation statement with no updates PDF
2024-06-24 AA accounts Accounts with accounts type full
2024-05-07 CS01 confirmation-statement Confirmation statement with no updates PDF
2023-06-29 AP03 officers Appoint person secretary company with name date PDF
2023-06-29 TM02 officers Termination secretary company with name termination date PDF
2023-06-28 AA accounts Accounts with accounts type full
2023-05-03 CS01 confirmation-statement Confirmation statement with no updates PDF
2023-04-06 AP01 officers Appoint person director company with name date PDF
2023-04-06 AP01 officers Appoint person director company with name date PDF
2023-04-06 TM01 officers Termination director company with name termination date PDF
2023-04-06 TM01 officers Termination director company with name termination date PDF
2022-06-30 TM01 officers Termination director company with name termination date PDF
2022-06-30 AP01 officers Appoint person director company with name date PDF
2022-05-23 AA accounts Accounts with accounts type full
2022-05-05 CS01 confirmation-statement Confirmation statement with updates PDF
2021-05-17 CS01 confirmation-statement Confirmation statement with updates PDF
2021-05-10 AA accounts Accounts with accounts type full
2021-04-06 AP01 officers Appoint person director company with name date PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
3

last 12 months

Capital events
0

last 24 months

Officers appointed
0

last 12 months

Officers resigned
0

last 12 months

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

Year-on-year

FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31

Year-on-year comparison hidden: this filing's period length differs materially from the prior year.

Official Companies House page