UNUM LIMITED
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2027-01-22 (in 8mo)
Last made up 2026-01-08
Watchouts
None on the register
Cash
£59M
-31.4% vs 2024
Net assets
£457M
-17.3% vs 2024
Employees
—
Average over period
Profit before tax
£51M
-63.2% vs 2024
Name history
Renamed 1 time since incorporation
- UNUM LIMITED 1991-11-01 → present
- N.E.L.PERMANENT HEALTH INSURANCES LIMITED 1970-07-03 → 1991-11-01
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Turnover | £632,600,000 | £673,500,000 | |
| Operating profit | £57,200,000 | -£33,900,000 | |
| Profit before tax | £139,000,000 | £51,200,000 | |
| Net profit | £106,700,000 | £40,900,000 | |
| Cash | £85,300,000 | £58,500,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | £552,500,000 | £456,900,000 | |
| Equity | £552,500,000 | £456,900,000 | |
| Average employees | — | — | |
| 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 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating margin | 9.0% | -5.0% | |
| Net margin | 16.9% | 6.1% | |
| Gearing (liabilities / total assets) | 80.3% | 83.3% | |
| Current ratio | 5.44x | 4.45x | |
| Interest cover | 19.72x | -12.11x |
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
- Forvis Mazars LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have made an assessment of going concern covering the period to 1 April 2027... For this reason, they continue to adopt, and to consider appropriate, the going concern basis in preparing the financial statements.”
Group structure
- UNUM LIMITED · parent
- Claims Services International Ltd 50%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 60 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HURLEY, Lyndsey Ann | Secretary | 2023-10-01 | — | — |
| DAVIES, Sarah Ann | Director | 2022-10-01 | Apr 1964 | British |
| DYE, Jonathan Mark | Director | 2023-11-17 | Dec 1966 | British |
| FLETCHER, Jonathan Paul | Director | 2017-02-22 | Sep 1972 | British |
| POYNTZ-WRIGHT, Nicholas Hugh | Director | 2019-07-01 | Apr 1963 | British |
| TILL, Mark Paul | Director | 2021-04-01 | Aug 1967 | British |
| VANN, Stuart Robert | Director | 2021-10-27 | Jul 1971 | British |
Show 60 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ARNOLD, Stacey Eleanor | Secretary | 2013-08-08 | 2014-09-05 |
| BIRKS, Charlotte | Secretary | 2009-09-29 | 2012-08-08 |
| BOLTON, Kenneth Wallace | Secretary | — | 1991-09-25 |
| BUTLER, David John | Secretary | 2009-01-22 | 2009-09-29 |
| CLARKE, Thomas Edward | Secretary | 2012-08-08 | 2013-08-08 |
| GODDARD, Peter John | Secretary | 2015-01-30 | 2015-03-02 |
| LEVERETT, Steven John | Secretary | 2015-03-02 | 2021-04-23 |
| RALPH, Paul Anthony | Secretary | 2022-07-01 | 2023-10-01 |
| REDMAN, Stephen Michael | Secretary | 1991-09-25 | 2002-01-21 |
| TOMPKINS, Penelope Ann | Secretary | 2002-01-21 | 2009-01-22 |
| WHITEHEAD, David Clive | Secretary | 2021-04-23 | 2022-07-01 |
| WHITEHEAD, David Clive | Secretary | 2014-09-05 | 2015-01-30 |
| BLACK, Cheryl Campbell | Director | 2014-12-01 | 2023-11-17 |
| BOUNDS, Kevin Charles | Director | 2005-03-31 | 2009-12-18 |
| BRADSHAW, Paul Richard | Director | 2008-08-18 | 2010-08-20 |
| BRENNAN, William Francis | Director | — | 1994-12-31 |
| BREWER, Cheryl Ann | Director | 2002-02-26 | 2008-02-29 |
| BROATCH, Robert Ernest | Director | 1999-08-18 | 2000-03-03 |
| BROWN, Thomas Gipp | Director | 1995-08-01 | 1999-03-15 |
| CENTER, Stephen Barnard | Director | 1991-10-23 | 1996-11-06 |
| CHURCHILL, Lawrence | Director | 1998-10-01 | 2002-12-01 |
| DAVIES, Paul John | Director | 2004-01-01 | 2008-02-29 |
| DEWIS, Peter | Director | 2004-01-01 | 2008-02-29 |
| FIELD, Martyn Richard | Director | — | 1998-09-30 |
| FINAN, John Charles | Director | — | 1991-11-19 |
| GILLESPIE, Gwain | Director | 1991-10-23 | 1993-10-18 |
| GRAFFAM, Ward Irving | Director | — | 1996-11-06 |
| GREENE, Ruthellen Kenison | Director | 2000-02-17 | 2006-11-01 |
| HALES, Peter Robert | Director | 2008-08-28 | 2014-12-31 |
| HARKNESS, John | Director | 2000-05-25 | 2002-11-04 |
| HARRY, Stephen Paul | Director | 2012-09-17 | 2017-01-01 |
| HINDLE, Joanne | Director | 2002-02-26 | 2008-02-28 |
| HOCKINGS, Graham John | Director | — | 2008-02-29 |
| HOE-RICHARDSON, Samantha Jane | Director | 2017-04-18 | 2020-11-30 |
| HOOK, Rodney Nelson | Director | 1992-11-03 | 1995-08-11 |
| KINNEY, Earl Robert | Director | 1991-10-23 | 1996-11-06 |
| LANGSTON, Edward | Director | 2007-08-13 | 2015-03-31 |
| MCCAIG, Malcolm Graham | Director | 2020-12-01 | 2021-05-31 |
| MCCAIG, Malcolm Graham | Director | 2009-07-22 | 2019-08-07 |
| MCGARRY, John Francis | Director | 2010-07-19 | 2012-09-17 |
| MCKENNEY, Richard Paul | Director | 2014-12-01 | 2019-05-31 |
| MELVIN, Clifton Adrian | Director | 2014-12-01 | 2023-08-09 |
| MOULE, Martin David | Director | 2007-09-12 | 2010-05-31 |
| O'CONNELL, Kevin Paul | Director | 1996-03-06 | 1999-08-18 |
| O'DONNELL, Peadar Gerard Owen | Director | 2010-06-01 | 2021-04-01 |
| ORR III, James Finley | Director | 1996-05-02 | 1999-11-18 |
| OWEN, Ian Bruce, Dr | Director | 2010-10-29 | 2015-06-30 |
| PLUMTREE, Jonathan | Director | 2003-03-01 | 2007-11-09 |
| RING, Susan Lesley | Director | 1999-03-15 | 2010-07-16 |
| ROSEN, Elaine Debra | Director | 1996-11-06 | 1999-08-18 |
| SIMONDS, Michael Quinn | Director | 2021-12-02 | 2024-02-09 |
| SKEEN, Colin Jeffrey | Director | 2003-04-01 | 2009-03-31 |
| STACY, Andrew John Stanley | Director | 2000-04-03 | 2006-08-25 |
| STEDALL, Robert Henry | Director | — | 1991-11-19 |
| STEMP, Peter | Director | 2001-05-01 | 2006-09-30 |
| STEWART, David | Director | 2014-12-22 | 2017-03-31 |
| WALKER, John Terence | Director | 2002-08-01 | 2003-02-28 |
| WATJEN, Thomas Ros | Director | 2006-04-04 | 2015-05-21 |
| WILLATS, Brian John | Director | 1991-10-23 | 1996-11-06 |
| ZUBRETSKY, Joseph Michael | Director | 2006-10-13 | 2007-02-28 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Unum Group | Corporate entity | Shares 25–50% | 2020-12-30 | Ceased 2020-12-30 |
| Unumprovident Finance Company Limited | Corporate entity | Shares 25–50% | 2017-01-18 | Ceased 2020-12-30 |
| Unum European Holding Company Limited | Corporate entity | Shares 75–100% | 2017-01-18 | Active |
Filing timeline
Last 20 of 272 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-27 | AA | accounts | Accounts with accounts type full | |
| 2026-01-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-02 | AA | accounts | Accounts with accounts type full | |
| 2025-01-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-23 | AUD | auditors | Auditors resignation company | |
| 2024-04-18 | AA | accounts | Accounts with accounts type full | |
| 2024-02-09 | TM01 | officers | Termination director company with name termination date | |
| 2024-01-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-11-17 | AP01 | officers | Appoint person director company with name date | |
| 2023-11-17 | TM01 | officers | Termination director company with name termination date | |
| 2023-10-16 | AP03 | officers | Appoint person secretary company with name date | |
| 2023-10-16 | TM02 | officers | Termination secretary company with name termination date | |
| 2023-08-29 | TM01 | officers | Termination director company with name termination date | |
| 2023-04-14 | AA | accounts | Accounts with accounts type full | |
| 2023-01-17 | CH01 | officers | Change person director company with change date | |
| 2023-01-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-10-05 | AP01 | officers | Appoint person director company with name date | |
| 2022-07-20 | AP03 | officers | Appoint person secretary company with name date | |
| 2022-07-20 | TM02 | officers | Termination secretary company with name termination date | |
| 2022-07-19 | AA | accounts | Accounts with accounts type full |
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.
Year-on-year
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
+6.5%
£632,600,000 £673,500,000
-
Cash
-31.4%
£85,300,000 £58,500,000
-
Net assets
-17.3%
£552,500,000 £456,900,000
-
Employees
—
Not reported
-
Operating profit
-159.3%
£57,200,000 -£33,900,000
-
Profit before tax
-63.2%
£139,000,000 £51,200,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers