RIVER THAMES INSURANCE COMPANY LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-10-09 (in 5mo)
Last made up 2025-09-25
Watchouts
Cash
£6M
-34.1% vs 2023
Net assets
£60M
-60.3% vs 2023
Employees
0
Average over period
Profit before tax
-£1M
-107.3% vs 2023
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
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £148,999 | £39,288 | |
| Operating profit | -£4,436,620 | -£3,817,643 | |
| Profit before tax | £16,069,681 | -£1,170,497 | |
| Net profit | £14,665,678 | -£1,525,574 | |
| Cash | £9,049,666 | £5,967,383 | |
| Total assets less current liabilities | £401,819,125 | £290,544,848 | |
| Net assets | £152,286,879 | £60,398,073 | |
| Equity | £152,286,879 | £60,398,073 | |
| Average employees | 0 | 0 | |
| Wages | — | — |
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 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | -2977.6% | -9717.1% | |
| Net margin | 9842.8% | -3883.1% | |
| Return on capital employed | -1.1% | -1.3% | |
| Gearing (liabilities / total assets) | 62.8% | 79.6% | |
| Current ratio | 13.38x | 15.20x | |
| Interest cover | -7.79x | -25.62x |
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
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future. Accordingly, they continue to adopt the going concern basis of accounting in preparing the annual financial statements.”
Significant events
- “On July 29, 2024, Enstar Group Limited entered into an Agreement and Plan Merger (the "Merger Agreement") with Elk Bidco Limited (the "Parent"), with the Merger expected to close in mid-2025, resulting in the Company surviving as a wholly owned subsidiary of the Parent.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
8 active · 53 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BROOK, Freya Marguerite | Secretary | 2019-05-14 | — | — |
| HEXTALL, Siobhan Mary | Secretary | 2007-11-20 | — | Irish |
| CROSSLEY, Nicolas Jean | Director | 2024-11-18 | Nov 1976 | British |
| GODDARD, Mary Edith Lancaster | Director | 2022-08-15 | Feb 1958 | British |
| HAYNES, Jeremy William | Director | 2023-05-18 | May 1966 | British |
| HEAP, Michael Conrad | Director | 2022-06-29 | Jun 1969 | British |
| SLADE, Ann | Director | 2017-05-16 | Feb 1975 | English |
| SUTLOW, Richard Anthony | Director | 2025-04-01 | Jul 1964 | British |
Show 53 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| EARL, Jane | Secretary | 1997-04-10 | 1999-02-26 |
| HINE, Regina Mary | Secretary | 1996-05-20 | 1997-04-10 |
| MELTON, Helen Marie | Secretary | 1999-02-26 | 2001-11-29 |
| SPENCE, Stella Anne | Secretary | — | 1996-05-17 |
| CORNHILL SECRETARIES LIMITED | Corporate Nominee Secretary | 2001-11-29 | 2007-11-20 |
| ALDOUS, Stephen David | Director | 2006-08-18 | 2008-11-06 |
| ARMSTRONG, Fredric Michael | Director | — | 1993-02-01 |
| ATKINS, David John | Director | 2017-05-18 | 2020-09-29 |
| BALL, David Owen | Director | 1993-12-01 | 1996-11-25 |
| BELL, Linda Lyon | Director | — | 1993-02-01 |
| BROOME, Burton Edward | Director | 1994-08-22 | 1997-04-10 |
| COGAVIN, Patrick Eamon | Director | 2014-09-09 | 2019-04-30 |
| CUSACK, Thomas Joseph | Director | 1993-02-01 | 1995-07-25 |
| DINSDALE, Stephen Peter | Director | 1993-11-09 | 1994-05-26 |
| DRAKE, Paul Anthony | Director | 1999-08-16 | 2001-11-29 |
| FINN, Richard Henry | Director | 1995-07-26 | 1997-04-10 |
| FORBES, Christopher David | Director | 2018-08-01 | 2022-03-07 |
| FRAZER, Nimrod Thompson | Director | 2001-11-29 | 2007-06-05 |
| GRUBB, Edgar Harold | Director | 1993-02-01 | 1994-08-22 |
| HERRINGER, Frank Casper | Director | 1993-02-01 | 1994-08-22 |
| HUTCHINSON, Charles Eric | Director | 1997-04-10 | 1999-03-31 |
| INGE, Robert John | Director | 1993-12-01 | 1996-12-18 |
| ISOM, Gerald Adrian | Director | — | 1993-02-01 |
| JANUS, Johannes Gerardus Maria | Director | — | 1993-02-01 |
| LEWIS, Max Barrie | Director | 1997-04-10 | 2000-11-09 |
| LEWIS, Max Barrie | Director | — | 2019-01-31 |
| LUSTY, Christopher Henry | Director | 1993-12-01 | 1997-04-10 |
| MERRIMAN, Brendan Richard Anthony, Mr | Director | 2019-05-01 | 2021-10-31 |
| MILLAR, Ian Patrick | Director | 2011-05-25 | 2013-03-31 |
| MURPHY, Karl Peter | Director | 2019-01-17 | 2022-10-21 |
| NICHOLS, Thomas James | Director | 2008-06-12 | 2011-04-27 |
| NOKES, Gareth Howard John | Director | 2007-08-02 | 2012-05-02 |
| OROS, John Jospeh | Director | 2001-11-29 | 2007-06-05 |
| PACKER, Nicholas Andrew | Director | 2001-02-26 | 2006-03-31 |
| PALGUTT, William | Director | — | 1993-02-01 |
| PIPER, Robert Lund | Director | — | 1997-05-09 |
| PULLAN, Michelle Margaret | Director | 1996-01-01 | 2001-11-29 |
| PURDIE, Maureen | Director | 1994-12-30 | 1995-12-31 |
| RILEY, Jeremy Hardwicke | Director | 2017-08-01 | 2024-07-25 |
| ROCKE, David Michael | Director | 2007-06-20 | 2008-06-12 |
| ROCKE, David Michael | Director | 2006-03-15 | 2006-08-18 |
| SELINGER, Russell Andrew | Director | 1994-08-22 | 1997-04-10 |
| SILVESTER, Dominic Francis Michael | Director | 2001-11-29 | 2006-03-15 |
| SPENCE, Colin David | Director | — | 1993-11-09 |
| TARRANT, Stuart Stanley | Director | — | 2000-11-09 |
| THOMAS, Clive Paul | Director | 2008-06-12 | 2019-04-30 |
| TRUMAN, Darren Scott | Director | 2018-02-01 | 2024-06-30 |
| TURNER, Alan John | Director | 2006-03-15 | 2019-06-30 |
| WAGSTAFF, Michael William | Director | 1999-08-16 | 2001-09-30 |
| WAREHAM, Richard Alexander Olav | Director | 1993-12-01 | 1996-11-25 |
| WESTALL, David John | Director | — | 1992-12-24 |
| WESTERN, Steven Roger | Director | 2013-06-04 | 2019-04-30 |
| WILKES, Theo James Rickus | Director | 2012-09-14 | 2014-06-16 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Joshua William Easterly | Individual | Voting 25–50% | 2025-07-02 | Active |
| Mr Anthony Michael Muscolino | Individual | Voting 25–50% | 2025-07-02 | Active |
| Mrs Jennifer Elizabeth Gordon | Individual | Voting 25–50% | 2025-07-02 | Active |
| Enstar Group Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Ceased 2025-07-02 |
Filing timeline
Last 20 of 288 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-02-23 | CH01 | officers | Change person director company with change date | |
| 2025-10-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-04 | AA | accounts | Accounts with accounts type full | |
| 2025-07-31 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-07-30 | PSC01 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-07-30 | PSC01 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-07-30 | PSC01 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-04-01 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-19 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-30 | AA | accounts | Accounts with accounts type full | |
| 2024-09-25 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-07-29 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-01 | TM01 | officers | Termination director company with name termination date | |
| 2023-09-20 | AA | accounts | Accounts with accounts type full | |
| 2023-09-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-05-18 | AP01 | officers | Appoint person director company with name date | |
| 2022-10-31 | TM01 | officers | Termination director company with name termination date | |
| 2022-09-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-09-06 | AA | accounts | Accounts with accounts type full | |
| 2022-08-15 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- 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.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
-73.6%
£148,999 £39,288
-
Cash
-34.1%
£9,049,666 £5,967,383
-
Net assets
-60.3%
£152,286,879 £60,398,073
-
Employees
—
Not reported
-
Operating profit
+14%
-£4,436,620 -£3,817,643
-
Profit before tax
-107.3%
£16,069,681 -£1,170,497
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers