PERSONAL ASSURANCE PUBLIC LIMITED COMPANY
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Next accounts due
2027-06-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2027-05-21 (in 1y)
Last made up 2026-05-07
Watchouts
None on the register
Cash
£10M
-3.1% vs 2024
Net assets
£15M
+25.4% vs 2024
Employees
7
0% vs 2024
Profit before tax
£5M
+41.7% vs 2024
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 | £23,901,000 | £27,045,000 | |
| Operating profit | £2,721,000 | £4,181,000 | |
| Profit before tax | £3,357,000 | £4,758,000 | |
| Net profit | £2,517,000 | £4,006,000 | |
| Cash | £10,654,000 | £10,324,000 | |
| Total assets less current liabilities | £11,906,000 | £14,928,000 | |
| Net assets | £11,906,000 | £14,928,000 | |
| Equity | £11,906,000 | £14,928,000 | |
| Average employees | 7 | 7 | |
| Wages | £1,307,000 | £1,416,000 |
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 | 11.4% | 15.5% | |
| Net margin | 10.5% | 14.8% | |
| Return on capital employed | 22.9% | 28.0% | |
| Gearing (liabilities / total assets) | 23.2% | 15.9% | |
| Current ratio | 4.31x | 6.28x |
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
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements of the Company have been prepared on a going concern basis. Further details can be found on page 28, within the accounting policies.”
Significant events
- “During 2025, a formal and competitive audit tender process was overseen by the Audit Committee for appointment for the 2026 year end audit.”
- “During the year ordinary dividends of £1,250,000 (2024: £2,000,000) were paid.”
- “In April 2024, the IASB issued IFRS 18, which replaces IAS 1 Presentation of Financial Statements...IFRS 18, and the amendments to the other standards, is effective for reporting periods beginning on or after 1 January 2027, but earlier application is permitted and must be disclosed.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 26 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ROBERTS-JONES, Joshua | Secretary | 2025-01-23 | — | — |
| ASTIN, Ciaran John | Director | 2022-05-23 | May 1978 | British |
| BENNETT, Martin John | Director | 2021-01-01 | Apr 1969 | British |
| BROWN, Paula Jane | Director | 2023-08-01 | May 1978 | British |
| LOTHIAN, Andrew George | Director | 2017-08-14 | Aug 1971 | British |
| WALKER, Maria Elizabeth | Director | 2019-06-30 | Jan 1965 | British |
| WEBB, Rachel Jayne | Director | 2025-04-01 | Nov 1980 | British |
Show 26 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BARBER, John Philip, Dr | Secretary | — | 2014-06-26 |
| KANE, Damian | Secretary | 2020-10-01 | 2025-01-23 |
| MACE, Sarah Anne | Secretary | 2014-06-26 | 2020-10-01 |
| BARBER, John Philip, Dr | Director | 2000-07-25 | 2014-06-26 |
| BRITTLE, Nigel | Director | 2009-02-02 | 2011-04-21 |
| CURLING, Christopher John | Director | 2003-09-26 | 2016-05-05 |
| D'EATH, David Brelsford | Director | — | 1994-11-02 |
| DONALD, Sidney Milne | Director | 1993-11-23 | 2008-04-30 |
| DRIVER, Harry Heywood | Director | 2008-05-01 | 2014-11-30 |
| DUGDALE, Michael Ian | Director | 2013-01-30 | 2020-10-01 |
| FROST, Deborah Karen | Director | 2015-09-21 | 2023-08-01 |
| GREEN, Roger Michael | Director | 2003-09-26 | 2013-04-30 |
| HARRISON, Hedley | Director | 2006-04-24 | 2012-08-31 |
| HEAD, Robert Michael | Director | 2016-11-17 | 2025-05-08 |
| JOHNSTON, Christopher Wilfred Thomas | Director | — | 2012-12-18 |
| KLAESER, Karl Heinz Adolf | Director | — | 2003-04-29 |
| KUNZLER, Herbert | Director | — | 2000-08-29 |
| MACE, Sarah Anne | Director | 2020-10-01 | 2026-05-07 |
| MCGRATH, Liam Scott Forrest | Director | 2021-05-24 | 2022-08-30 |
| ORMOND, John | Director | — | 2000-07-15 |
| PEASE, Robert Patrick | Director | 1997-05-01 | 2010-12-08 |
| ROONEY, Kenneth William | Director | 2003-09-26 | 2021-12-31 |
| SCANLON, Mark William | Director | 2011-12-06 | 2019-02-28 |
| SLEEMAN, John Henry | Director | — | 1993-03-30 |
| SWARBRICK, John | Director | — | 2003-04-29 |
| WINLOW, Mark | Director | 2013-10-03 | 2021-05-05 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Personal Group Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 188 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-05-07 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-28 | AA | accounts | Accounts with accounts type full | |
| 2025-05-16 | AA | accounts | Accounts with accounts type full | |
| 2025-05-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-14 | TM01 | officers | Termination director company with name termination date | |
| 2025-04-25 | RP04AP01 | officers | Second filing of director appointment with name | |
| 2025-04-11 | AP01 | officers | Appoint person director company with name date | |
| 2025-02-10 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-02-10 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-05-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-23 | AA | accounts | Accounts with accounts type full | |
| 2023-08-09 | AP01 | officers | Appoint person director company with name date | |
| 2023-08-09 | TM01 | officers | Termination director company with name termination date | |
| 2023-06-05 | AA | accounts | Accounts with accounts type full | |
| 2023-05-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-09-01 | TM01 | officers | Termination director company with name termination date | |
| 2022-06-07 | AA | accounts | Accounts with accounts type full | |
| 2022-05-27 | AP01 | officers | Appoint person director company with name date | |
| 2022-05-11 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 2
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
+13.2%
£23,901,000 £27,045,000
-
Cash
-3.1%
£10,654,000 £10,324,000
-
Net assets
+25.4%
£11,906,000 £14,928,000
-
Employees
0%
7 7
-
Operating profit
+53.7%
£2,721,000 £4,181,000
-
Profit before tax
+41.7%
£3,357,000 £4,758,000
-
Wages
+8.3%
£1,307,000 £1,416,000
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