PINNACLE INSURANCE LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-11-02 (in 6mo)
Last made up 2025-10-19
Watchouts
None on the register
Cash
£32M
+46.2% vs 2023
Net assets
£124M
-15.7% vs 2023
Employees
307
+4.4% vs 2023
Profit before tax
-£28M
-122.4% vs 2023
Name history
Renamed 2 times since incorporation — the current trading name was adopted 2025-04-07
- PINNACLE INSURANCE LIMITED 2025-04-07 → present
- PINNACLE INSURANCE PLC 1993-06-01 → 2025-04-07
- PINNACLE INSURANCE COMPANY PLC 1971-04-14 → 1993-06-01
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 | £150,609,000 | £200,979,000 | |
| Operating profit | -£19,702,000 | -£34,768,000 | |
| Profit before tax | -£12,688,000 | -£28,223,000 | |
| Net profit | -£12,509,000 | -£23,031,000 | |
| Cash | £22,216,000 | £32,472,000 | |
| Total assets less current liabilities | £240,489,000 | £194,775,000 | |
| Net assets | £146,617,000 | £123,586,000 | |
| Equity | £146,617,000 | £123,586,000 | |
| Average employees | 294 | 307 | |
| 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 | -13.1% | -17.3% | |
| Net margin | -8.3% | -11.5% | |
| Return on capital employed | -8.2% | -17.9% | |
| Gearing (liabilities / total assets) | 50.9% | 65.6% | |
| Current ratio | 4.96x | 1.75x |
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, FRS 103
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“As such, after making enquiries, the Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for the period to 31 December 2026. For this reason, they continue to adopt the going concern basis in preparing the financial statements.”
Significant events
- “At the end of 2024 all non pet business with the exception of the long term fund was either terminated or disposed of by way of a Part VII transfer to ElFlow Insurance Limited.”
- “The Board approved the Operational Resilience, Consumer Duty and Appointed Representative self-assessments for 2024.”
- “The approval of the formation of a new partnership for the provision of white label insurance services for Tesco Bank.”
- “The Board approved the submission of an application to the PRA for Undertaking Specific Parameters.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
10 active · 40 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| LORIMER, Matthew Justin | Secretary | 2006-06-30 | — | British |
| BEECKMAN, Dirk Christiane Luc | Director | 2022-06-30 | Dec 1975 | Belgian |
| CUIPER, Thae Olav | Director | 2024-06-19 | Jan 1958 | Dutch |
| IORDACHE, Carmen Andreea | Director | 2022-06-30 | Nov 1982 | Romanian |
| LORIMER, Matthew Justin | Director | 2015-04-01 | Jun 1967 | British |
| MAY, Sophie Margaret | Director | 2020-12-10 | Sep 1972 | British |
| SCARR, Craig Anthony | Director | 2022-05-16 | Jun 1962 | British |
| SURI, Sanchit | Director | 2024-12-18 | Aug 1979 | British |
| WAINWRIGHT, Simon | Director | 2025-03-24 | Apr 1963 | British |
| WIGG, Andrew Miles | Director | 2013-03-21 | Jun 1972 | British |
Show 40 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CRANSTON, Kareen | Secretary | 2002-09-27 | 2005-09-09 |
| DRAZIN, Shirley | Secretary | — | 1991-10-04 |
| MILLS, Christopher Simon | Secretary | 1991-10-04 | 2002-09-27 |
| CARDIF PINNACLE SECRETARIES LIMITED | Corporate Secretary | 2005-09-09 | 2006-06-30 |
| ANDRIEU, Pierre | Director | 1991-10-04 | 1998-06-19 |
| ATKINSON, Natalie Jayne | Director | 2010-03-08 | 2014-05-31 |
| BINET, Gerard | Director | 2007-11-29 | 2022-02-09 |
| BLOXHAM, Peter John | Director | 2002-08-07 | 2008-03-31 |
| BOX, Peter John | Director | 2012-09-06 | 2019-11-26 |
| CARTE, Brian Addison | Director | 2009-03-12 | 2012-01-28 |
| CASTAGNO, John | Director | 2007-11-29 | 2013-01-11 |
| CHEVALET, Stanislas Louis Paul Francois | Director | 2016-01-07 | 2025-03-27 |
| DE TALHOUET, Emmanuel | Director | 2022-06-30 | 2024-12-31 |
| DREYER, Anthony William | Director | 1999-09-24 | 2008-06-30 |
| GLEN, Paul Edward | Director | 2006-08-01 | 2015-12-17 |
| GOLDING, Adam Jon | Director | 2007-11-29 | 2012-06-10 |
| HADERER, Marie | Director | 2016-11-23 | 2021-11-17 |
| HINES, Richard Adam | Director | 2019-11-28 | 2025-08-31 |
| LAROCHE, Jean-Bertrand Marie | Director | 2015-09-24 | 2016-11-24 |
| LEVINKIND, Julius | Director | — | 1994-06-30 |
| MCKINNEY, Craig | Director | — | 1991-10-04 |
| MEE, Robert James | Director | 2003-09-26 | 2012-09-06 |
| MILLS, Christopher Simon | Director | 1999-09-24 | 2007-03-31 |
| MORRIS, Michael Sachs | Director | — | 1994-06-30 |
| PERCIVAL, Mervyn | Director | — | 1991-10-04 |
| PRIESTLEY, Leslie William | Director | — | 2003-12-31 |
| RAINGOLD, Gerald Barry | Director | 1996-06-21 | 2009-03-25 |
| RENNIE, Helen Elspeth | Director | 2020-12-10 | 2022-06-30 |
| ROCHEZ, Nicholas Dutfield | Director | 2012-11-13 | 2022-06-06 |
| SCHWICK, Christopher John | Director | — | 2007-06-26 |
| SHACKELL, Ian Richard Charles | Director | 2008-09-25 | 2011-03-11 |
| SHUKER, Norman Alan | Director | — | 2007-06-26 |
| SWAIN, Andrew Donald | Director | 2006-06-30 | 2011-12-31 |
| VILLENEUVE, Pierre De Portier De | Director | 1991-10-04 | 2007-11-29 |
| WILLIAMS, Stephen David | Director | 1999-09-24 | 2006-03-17 |
| BANQUE FINANCIERE CARDIF | Corporate Director | 1991-10-04 | 2006-03-31 |
| BNP PARIBAS CARDIF | Corporate Director | 1991-10-04 | 2015-09-24 |
| CARDIF ASSURANCE-VIE | Corporate Director | 1991-10-04 | 2016-01-07 |
| CARDIF ASSURANCES RISQUES DIVERS | Corporate Director | 2006-03-31 | 2015-09-24 |
| PARIBAS LIMITED | Corporate Director | 1993-06-25 | 1999-06-18 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Pinnacle Pet Group Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2022-06-30 | Active |
| Cardif Insurance Holdings Plc | Corporate entity | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2022-06-30 |
Filing timeline
Last 20 of 318 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-07-03 RESOLUTIONS Resolution
- 2025-04-07 RR02 Reregistration public to private company
- 2025-04-07 CERT10 Certificate re registration public limited company to private
- 2025-04-07 RESOLUTIONS Resolution
- 2025-04-03 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-29 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-11-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-09 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2025-07-03 | SH20 | capital | Legacy | |
| 2025-07-03 | CAP-SS | insolvency | Legacy | |
| 2025-07-03 | RESOLUTIONS | resolution | Resolution | |
| 2025-06-19 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-05-06 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-04-30 | AA | accounts | Accounts with accounts type full | |
| 2025-04-08 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-07 | RR02 | change-of-name | Reregistration public to private company | |
| 2025-04-07 | CERT10 | change-of-name | Certificate re registration public limited company to private | |
| 2025-04-07 | MAR | incorporation | Re registration memorandum articles | |
| 2025-04-07 | RESOLUTIONS | resolution | Resolution | |
| 2025-04-03 | MA | incorporation | Memorandum articles | |
| 2025-04-01 | TM01 | officers | Termination director company with name termination date | |
| 2025-01-09 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-03 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-29 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- Capital events
- 2
- Officers appointed
- 0
- 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.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+33.4%
£150,609,000 £200,979,000
-
Cash
+46.2%
£22,216,000 £32,472,000
-
Net assets
-15.7%
£146,617,000 £123,586,000
-
Employees
+4.4%
294 307
-
Operating profit
-76.5%
-£19,702,000 -£34,768,000
-
Profit before tax
-122.4%
-£12,688,000 -£28,223,000
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