CARDIF INSURANCE HOLDINGS PLC
Get an alert when CARDIF INSURANCE HOLDINGS PLC files next
Leroy will email you the moment a new filing lands at Companies House — one short note per filing, nothing else.
Next accounts due
2026-06-30 (in 1mo)
Last filed for 2024-12-31
Confirmation statement due
2026-05-19 (this month)
Last made up 2025-05-05
Watchouts
None on the register
Cash
£906K
+80.1% vs 2023
Net assets
£373M
+10.2% vs 2023
Employees
0
Average over period
Profit before tax
-£2M
-8.4% vs 2023
Name history
Renamed 2 times since incorporation
- CARDIF INSURANCE HOLDINGS PLC 2022-07-29 → present
- CARDIF PINNACLE INSURANCE HOLDINGS PLC 2005-03-29 → 2022-07-29
- PINNACLE INSURANCE HOLDINGS PLC 1992-05-05 → 2005-03-29
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 | — | — | |
| Operating profit | -£57,000 | -£158,000 | |
| Profit before tax | -£1,760,000 | -£1,907,000 | |
| Net profit | -£1,404,000 | -£1,542,000 | |
| Cash | £503,000 | £906,000 | |
| Total assets less current liabilities | £338,325,000 | £372,784,000 | |
| Net assets | £338,075,000 | £372,534,000 | |
| Equity | £338,075,000 | £372,534,000 | |
| 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 |
|---|---|---|---|
| Return on capital employed | -0.0% | -0.0% | |
| Gearing (liabilities / total assets) | 10.1% | 0.4% | |
| Current ratio | 0.13x | 2.56x | |
| Interest cover | -0.03x | -0.08x |
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
“Taking into account the Company's current position and its principal risks, the Directors have a reasonable expectation that the Company will be able to continue in operation and meet its liabilities as they fall due for at least the next 12 months from the date of approval of the financial statements. The Company is part of the global banking group BNP Paribas, a European leader in banking and financial services, and is supported by its strong parent with strong capital and cash flows.”
Group structure
- CARDIF INSURANCE HOLDINGS PLC · parent
- Pinnacle Partnerships Limited 1%
- Cardif Pinnacle Limited 1%
Significant events
- “In March 2025, the revision of the shareholders' agreement and the resignation of BNP Paribas Cardif representatives on the Board of Directors of the various Pinnacle UK entities led to the loss of influence and the deconsolidation of the entity PPH from Cardif.”
- “In April 2025 applications were made to Companies House for the Company's dormant subsidiaries Cardif Pinnacle Limited and Pinnacle Partnership Limited, to be struck off the register.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 39 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| WICKETT, Sarah | Secretary | 2025-09-11 | — | — |
| CHEVALET, Stanislas Louis Paul Francois | Director | 2015-09-24 | Nov 1961 | French |
| LANE, Clara Angela Iris | Director | 2024-04-22 | Feb 1977 | British,Italian |
| PRITCHARD, Daniel James | Director | 2024-04-22 | Nov 1965 | British |
Show 39 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CRANSTON, Kareen | Secretary | 2002-09-27 | 2005-09-09 |
| LORIMER, Matthew Justin | Secretary | 2006-06-30 | 2024-04-22 |
| MARVIN, Lisa | Secretary | 2024-04-22 | 2025-09-04 |
| MILLS, Christopher Simon | Secretary | 1992-05-06 | 2002-09-27 |
| CARDIF PINNACLE SECRETARIES LIMITED | Corporate Secretary | 2005-09-09 | 2006-06-30 |
| HALLMARK SECRETARIES LIMITED | Corporate Nominee Secretary | 1992-05-05 | 1992-05-05 |
| 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 |
| DREYER, Anthony William | Director | 2002-06-28 | 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 | 2019-09-01 | 2022-10-14 |
| LAROCHE, Jean-Bertrand Marie | Director | 2015-09-24 | 2016-11-24 |
| LORIMER, Matthew Justin | Director | 2015-04-01 | 2024-04-22 |
| MAY, Sophie Margaret | Director | 2020-12-10 | 2024-04-22 |
| MEE, Robert James | Director | 2003-09-26 | 2012-09-06 |
| MILLS, Christopher Simon | Director | 2002-06-28 | 2007-03-31 |
| PRIESTLEY, Leslie William | Director | 2002-06-28 | 2003-12-31 |
| RAINGOLD, Gerald Barry | Director | 2002-06-28 | 2009-03-25 |
| RENNIE, Helen Elspeth | Director | 2020-12-10 | 2022-06-30 |
| ROCHEZ, Nicholas Dutfield | Director | 2012-11-13 | 2022-06-06 |
| SCARR, Craig Anthony | Director | 2022-05-16 | 2022-10-14 |
| SCHWICK, Christopher John | Director | 1992-05-06 | 2008-10-09 |
| SHACKELL, Ian Richard Charles | Director | 2008-09-25 | 2011-03-11 |
| SHUKER, Norman Alan | Director | 1992-05-06 | 2007-06-26 |
| SWAIN, Andrew Donald | Director | 2006-06-30 | 2011-12-31 |
| VILLENEUVE, Pierre De Portier De | Director | 1992-06-30 | 2007-11-29 |
| WIGG, Andrew Miles | Director | 2013-03-21 | 2024-04-22 |
| WILLIAMS, Stephen David | Director | 2002-06-28 | 2006-03-17 |
| BANQUE FINANCIERE CARDIF | Corporate Director | 2002-06-28 | 2006-03-31 |
| BNP PARIBAS CARDIF | Corporate Director | 1992-06-30 | 2015-09-24 |
| CARDIF ASSURANCE-VIE | Corporate Director | 1992-06-30 | 2015-09-24 |
| CARDIF ASSURANCES RISQUES DIVERS | Corporate Director | 2006-03-31 | 2015-09-24 |
| HALLMARK REGISTRARS LIMITED | Corporate Nominee Director | 1992-05-05 | 1992-05-05 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Cb (Uk) Limited | Corporate entity | Shares 50–75% | 2016-04-06 | Ceased 2019-01-02 |
| Bnp Paribas Cardif | Corporate entity | Shares 50–75% | 2016-04-06 | Active |
Filing timeline
Last 20 of 248 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-12-11 RESOLUTIONS Resolution
- 2024-05-20 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-09-17 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-09-16 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-06-19 | AA | accounts | Accounts with accounts type full | |
| 2025-05-19 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-12-11 | RESOLUTIONS | resolution | Resolution | |
| 2024-11-08 | SH01 | capital | Capital allotment shares | |
| 2024-07-09 | AA | accounts | Accounts with accounts type full | |
| 2024-05-20 | RESOLUTIONS | resolution | Resolution | |
| 2024-05-17 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-05-16 | SH01 | capital | Capital allotment shares | |
| 2024-05-13 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-04-30 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-29 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-04-29 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-29 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-29 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-29 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-29 | TM02 | officers | Termination secretary company with name termination date | |
| 2023-07-11 | AA | accounts | Accounts with accounts type full | |
| 2023-05-05 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 2
- Officers appointed
- 1
- 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
—
Not reported
-
Cash
+80.1%
£503,000 £906,000
-
Net assets
+10.2%
£338,075,000 £372,534,000
-
Employees
—
Not reported
-
Operating profit
-177.2%
-£57,000 -£158,000
-
Profit before tax
-8.4%
-£1,760,000 -£1,907,000
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