ACORN INSURANCE AND FINANCIAL SERVICES LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-08-21 (in 3mo)
Last made up 2025-08-07
Watchouts
None on the register
Cash
£21M
+14.9% vs 2023
Net assets
£38M
+24.5% vs 2023
Employees
1,442
+28.1% vs 2023
Profit before tax
£27M
+87.5% vs 2023
Name history
Renamed 1 time since incorporation
- ACORN INSURANCE AND FINANCIAL SERVICES LIMITED 1982-10-18 → present
- CORNVALE LIMITED 1982-05-18 → 1982-10-18
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 | £87,049,396 | £114,583,171 | |
| Operating profit | £11,579,219 | £21,117,144 | |
| Profit before tax | £14,278,500 | £26,766,128 | |
| Net profit | £13,716,458 | £22,302,522 | |
| Cash | £17,976,196 | £20,647,218 | |
| Total assets less current liabilities | — | — | |
| Net assets | £30,599,926 | £38,102,448 | |
| Equity | £30,599,926 | £38,102,448 | |
| Average employees | 1,126 | 1,442 | |
| Wages | £34,373,638 | £45,131,125 |
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 | 13.3% | 18.4% | |
| Net margin | 15.8% | 19.5% | |
| Gearing (liabilities / total assets) | 90.3% | 89.3% | |
| Current ratio | 1.22x | 1.16x | |
| Interest cover | 0.62x | 0.83x |
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
- Grant Thornton (NI) LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the company's ability to continue as a going concern for a period of at least twelve months from the date when the financial statements are authorised for issue.”
Significant events
- “During the year, the decision was made to transfer the trade from fellow subsidiaries, Carrot Risk Technologies Limited and Flag Insurance (Brokers) Limited to the company.”
- “The Board were pleased to achieve "Great Place to Work" certified status in November 2024”
- “The latest addition to the portfolio being Atlantic Pavilion, a landmark Grade 1 listed former warehouse on the city's historic Albert Dock, which was acquired in January 2025.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 8 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MCLACHLAN, Nicola Kate | Secretary | 2014-02-17 | — | — |
| GOWING, Martin Richard | Director | 2011-10-03 | Jul 1970 | British |
| KEATING, Daniel | Director | 2017-09-14 | Feb 1981 | British |
| LLOYD, Michael Samuel | Director | 2022-08-23 | Feb 1978 | British |
| MCLACHLAN, Nicola Kate | Director | 2004-07-01 | Dec 1971 | British |
| TYRRELL, Kyle Gavin John Patrick | Director | 2019-11-15 | Apr 1988 | British |
Show 8 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| KEATING, Alan Peter | Secretary | 1993-06-01 | 1994-03-01 |
| MCMULLEN, Mark Anthony | Secretary | — | 1995-02-14 |
| STEVENSON, Nicholas John | Secretary | 2002-04-22 | 2014-02-17 |
| WEST, Maria Theresa Johanna | Secretary | — | 1992-09-05 |
| WEST, Susan Maureen | Secretary | 1995-02-15 | 2002-04-22 |
| KEATING, Alan Peter | Director | 1997-01-01 | 2022-07-30 |
| PROBERT, Dawn | Director | 2019-11-15 | 2020-08-14 |
| WEST, Keith | Director | — | 2002-04-22 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Granite Underwriting Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2016-04-06 |
| Correlation Two Holdings Limited | Corporate entity | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2016-04-06 |
| Marlin Investments Limited | Corporate entity | Shares 50–75%, Voting 50–75%, Appoints directors | 2016-04-06 | Ceased 2016-04-06 |
| Granite Underwriting Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 144 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-03 | RP01CS01 | confirmation-statement | Replacement filing of confirmation statement with made up date | |
| 2025-08-19 | CS01 | confirmation-statement | Confirmation statement | |
| 2025-07-31 | AA | accounts | Accounts with accounts type full | |
| 2024-09-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-05-23 | AA | accounts | Accounts with accounts type full | |
| 2023-08-23 | AA | accounts | Accounts with accounts type full | |
| 2023-08-07 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-02-01 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2022-09-06 | AP01 | officers | Appoint person director company with name date | |
| 2022-08-12 | TM01 | officers | Termination director company with name termination date | |
| 2022-08-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-07-13 | AA | accounts | Accounts with accounts type full | |
| 2021-12-13 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2021-08-09 | AA | accounts | Accounts with accounts type full | |
| 2021-08-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-12-21 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2020-11-19 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2020-09-23 | AA | accounts | Accounts with accounts type full | |
| 2020-08-24 | TM01 | officers | Termination director company with name termination date | |
| 2020-08-07 | CS01 | confirmation-statement | Confirmation statement with no updates |
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
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+31.6%
£87,049,396 £114,583,171
-
Cash
+14.9%
£17,976,196 £20,647,218
-
Net assets
+24.5%
£30,599,926 £38,102,448
-
Employees
+28.1%
1,126 1,442
-
Operating profit
+82.4%
£11,579,219 £21,117,144
-
Profit before tax
+87.5%
£14,278,500 £26,766,128
-
Wages
+31.3%
£34,373,638 £45,131,125
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