U.M.ASSOCIATION LIMITED
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Next accounts due
2027-04-30 (in 11mo)
Last filed for 2025-07-31
Confirmation statement due
2026-07-24 (in 2mo)
Last made up 2025-07-10
Watchouts
None on the register
Cash
£26M
+22.4% vs 2024
Net assets
£32M
+10% vs 2024
Employees
22
+10% vs 2024
Profit before tax
£4M
+25.3% vs 2024
Net assets
2-year trend · vs Industrials median
Accounts
2-year trend · latest reflected 2025-07-31
| Metric | Trend | 2024-07-31 | 2025-07-31 |
|---|---|---|---|
| Turnover | £42,683,822 | £42,027,145 | |
| Operating profit | -£1,382,147 | -£320,759 | |
| Profit before tax | £2,959,917 | £3,709,577 | |
| Net profit | £2,044,139 | £2,903,366 | |
| Cash | £21,381,940 | £26,164,298 | |
| Total assets less current liabilities | £45,727,229 | £50,925,487 | |
| Net assets | £28,956,322 | £31,859,688 | |
| Equity | £28,956,322 | £31,859,688 | |
| Average employees | 20 | 22 | |
| Wages | £2,708,573 | £2,786,184 |
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 | 2024-07-31 | 2025-07-31 |
|---|---|---|---|
| Operating margin | -3.2% | -0.8% | |
| Net margin | 4.8% | 6.9% | |
| Return on capital employed | -3.0% | -0.6% | |
| Gearing (liabilities / total assets) | 62.4% | 64.2% | |
| Current ratio | 1.09x | 1.06x |
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
- Consolidated group
- Auditor
- BDO LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After making inquiries, the Directors have a reasonable expectation that the Group has adequate resources to continue in operational existence for the foreseeable future. Accordingly, they continue to adopt the going concern basis in preparing the financial statements.”
Group structure
- U.M.ASSOCIATION LIMITED · parent
- Hasilwood Management Services Limited 100%
- Windward Insurance PCC Limited - UMAL Cell (1) 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 55 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| NAGRA, Harinderjit Singh | Secretary | 2017-03-02 | — | — |
| ARMITAGE, Julie Elizabeth | Director | 2025-06-18 | Mar 1976 | British |
| CARDENAS BLANCO, Nicola Kate | Director | 2021-06-23 | Oct 1978 | British |
| CHARGE, Julie Ann | Director | 2024-04-15 | Jun 1970 | British |
| CUSITION, Paul Michael | Director | 2018-01-01 | Nov 1956 | British |
| DAVIES, Michael Derek | Director | 2010-12-08 | Jun 1959 | British |
| HAY, Martin Morrison | Director | 2024-04-15 | Dec 1973 | British |
| ROBERTS, James Edward | Director | 2023-12-13 | Jul 1972 | British |
| XIBERRAS, Darren Antony | Director | 2024-04-22 | Jul 1972 | British |
Show 55 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DUNNING, Sidney John | Secretary | 2003-04-01 | 2006-12-07 |
| GODFREY, John Charles | Secretary | 2000-05-18 | 2001-11-21 |
| MARSDEN, Frances Elizabeth | Secretary | 1996-03-07 | 2000-06-07 |
| MARTIN, John William Rolfe | Secretary | 1992-07-10 | 1996-03-07 |
| VERHAAG, Leo | Secretary | 2006-12-05 | 2014-12-31 |
| VIRGILI, Daniel Anthony | Secretary | 2001-11-21 | 2003-04-01 |
| SIMMLAW SERVICES LIMITED | Corporate Secretary | 2016-01-21 | 2017-03-02 |
| VERHAAG CONSULTING LTD | Corporate Secretary | 2015-01-01 | 2016-01-01 |
| BALL, Gillian | Director | 1998-11-25 | 2007-11-05 |
| BELL, John Douglas | Director | 1992-11-18 | 2004-11-25 |
| BERTOLINI, Julie Elizabeth | Director | 2016-01-21 | 2018-05-04 |
| BICKERSTAFFE, John Allan | Director | 2010-12-08 | 2015-12-10 |
| BICKERSTAFFE, John Allan | Director | 1993-05-25 | 2005-11-24 |
| BRADSHAW, James Robert | Director | 1993-01-28 | 2005-11-24 |
| BURNS, Ian Maurice | Director | 1998-11-25 | 2002-11-26 |
| DAVIES, David Michael | Director | 1995-11-29 | 2001-11-21 |
| FAIRLIE, Graham Anthony | Director | 2003-11-26 | 2008-01-07 |
| GILBERT, Graham Charles | Director | 2010-12-08 | 2015-07-31 |
| GORRINGE, Jonathan Peter | Director | 2013-08-01 | 2015-12-10 |
| GORRINGE, Jonathan Peter | Director | 1992-11-06 | 2001-04-27 |
| GORRINGE, Jonathan Peter | Director | 1992-11-06 | 1996-07-01 |
| GOUGH, Phillip Richard Cox | Director | 2003-12-05 | 2010-12-08 |
| GREAVES, Richard | Director | 1997-02-20 | 1998-07-10 |
| GUEST, Allan | Director | 2010-03-12 | 2023-12-13 |
| HARDIE, David | Director | 1995-11-29 | 1998-11-25 |
| HARRISON, William Francis David | Director | 1995-11-29 | 1996-07-31 |
| HOLMES, Alison | Director | 2011-12-08 | 2017-10-31 |
| HOLT, Simon Christopher | Director | 2013-05-14 | 2023-12-13 |
| JENKINS, Lawrence | Director | 2020-01-22 | 2024-12-18 |
| JESNICK, Michael David | Director | 2003-11-26 | 2009-12-10 |
| KEEBLE, Andrew | Director | 2017-01-19 | 2026-02-28 |
| KEEBLE, Andrew | Director | 2013-05-14 | 2015-12-10 |
| KNIGHT, Rex | Director | 2004-11-25 | 2009-01-08 |
| KORONKA, Paul | Director | 1992-07-10 | 1992-11-06 |
| LACEY, James Anthony | Director | 2012-09-20 | 2022-12-14 |
| LARGE, Paul John | Director | 2009-01-09 | 2012-07-31 |
| LEWIS, Keith Malcolm | Director | 1997-02-20 | 2002-11-26 |
| LUBACZ, Paulina | Director | 2001-11-21 | 2010-12-08 |
| MARSDEN, Frances Elizabeth | Director | 2003-06-25 | 2003-12-05 |
| MARSDEN, Frances Elizabeth | Director | 1994-11-30 | 2000-05-18 |
| MCCALL, Michael David | Director | 2020-01-22 | 2024-01-24 |
| MORGAN, David Eric | Director | 2001-11-21 | 2003-04-01 |
| NEVILLE, Terry Michael | Director | 2000-11-22 | 2009-12-10 |
| PEARSON, Hugh Michael | Director | 2007-05-01 | 2013-07-31 |
| PEARSON, Hugh Michael | Director | 2005-11-24 | 2007-03-31 |
| PIKE, Carolyn Mary Elizabeth | Director | 2011-12-08 | 2021-03-25 |
| PRINCE, Martin Hugh | Director | 1997-02-20 | 2003-11-26 |
| PUNCHIHEWA, Harindra Deepal | Director | 2016-01-21 | 2019-10-06 |
| PUNCHIHEWA, Harindra Deepal | Director | 2005-11-24 | 2014-12-11 |
| RANDALL, Geoffrey William | Director | 1993-11-23 | 1995-11-29 |
| SIMS, Michael Anthony | Director | 1992-11-06 | 1993-05-25 |
| SWADLING, Janet | Director | 2004-11-25 | 2007-10-03 |
| WESTBURY, David Rex, Professor | Director | 2003-04-29 | 2007-11-05 |
| WILKINSON, Susan | Director | 1992-11-06 | 2017-12-31 |
| YOUNG, Anthony Robert | Director | 1992-11-06 | 1997-02-20 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 236 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-18 | AA | accounts | Accounts with accounts type group | |
| 2026-03-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-18 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-15 | AA | accounts | Accounts with accounts type group | |
| 2024-12-18 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-22 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-19 | AA | accounts | Accounts with accounts type group | |
| 2024-04-15 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-15 | AP01 | officers | Appoint person director company with name date | |
| 2024-01-24 | TM01 | officers | Termination director company with name termination date | |
| 2023-12-13 | TM01 | officers | Termination director company with name termination date | |
| 2023-12-13 | TM01 | officers | Termination director company with name termination date | |
| 2023-12-13 | AP01 | officers | Appoint person director company with name date | |
| 2023-07-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-04-17 | AA | accounts | Accounts with accounts type group | |
| 2022-12-14 | TM01 | officers | Termination director company with name termination date | |
| 2022-07-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-04-08 | AA | accounts | Accounts with accounts type group |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- 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
FY2024 → FY2025 · period ending 2025-07-31 vs 2024-07-31
-
Turnover
-1.5%
£42,683,822 £42,027,145
-
Cash
+22.4%
£21,381,940 £26,164,298
-
Net assets
+10%
£28,956,322 £31,859,688
-
Employees
+10%
20 22
-
Operating profit
+76.8%
-£1,382,147 -£320,759
-
Profit before tax
+25.3%
£2,959,917 £3,709,577
-
Wages
+2.9%
£2,708,573 £2,786,184
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