The Accounts Companies House intelligence

FINGASK UNDERWRITING LIMITED

#03635992 · Active · Group / consolidated · Incorporated 1998-09-16 (27y 8m) · Last filing 2025-10-17 (7mo ago)
Financials · SIC 65120 · K Financial & Insurance Activities · Full accounts

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Next accounts due

2026-09-30 (in 4mo)

Last filed for 2024-12-31

Confirmation statement due

2026-10-21 (in 5mo)

Last made up 2025-10-07

Watchouts

None on the register

Cash

—

Latest balance sheet

Net assets

£667K

-7.9% vs 2023

Employees

—

Average over period

Profit before tax

£121K

-34.6% vs 2023

Name history

Renamed 1 time since incorporation

  1. FINGASK UNDERWRITING LIMITED 2013-10-22 → present
  2. MORVEN UNDERWRITING LIMITED 1998-09-16 → 2013-10-22

Accounts

2-year trend · latest reflected 2024-12-31

Metric Trend 2023-12-312024-12-31
Gross written premiums £1,489,100£1,589,032
Net earned premiums £1,053,404£1,170,970
Claims incurred £497,012£624,794
Investment return £52,920£79,890
Profit before tax £184,513£120,626
Net profit £132,475£96,671
Insurance contract liabilities £2,651,739£2,950,297
Total assets £3,828,342£4,165,246
Total liabilities £3,103,520£3,497,752
Equity £724,822£667,494
Average employees ——

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 2023-12-312024-12-31
Gearing (liabilities / total assets) 81.1%84.0%

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
PKF Littlejohn LLP
Audit opinion
Unqualified (clean)
Going concern
Affirmed

“In auditing the Financial Statements, we have concluded that the Directors' use of the going concern basis of accounting in the preparation of the Financial Statements is appropriate. 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 when the financial statements are authorised for issue.”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

People

3 active · 2 resigned

Name Role Appointed Born Nationality
ARGENTA SECRETARIAT LIMITED Corporate Secretary 2002-08-08 — —
MOLCHANOFF, Helen Director 2023-01-26 Jul 1958 British
MURRAY THREIPLAND, Andrew Director 2012-12-21 Mar 1942 British
Show 2 resigned officers
Name Role Appointed Resigned
MGP MANAGEMENT LIMITED Corporate Secretary 1998-09-16 2002-08-08
GEE, Michael Ivor Director 1998-09-16 2012-12-21

Ownership

Persons with significant control

Name Kind Nature of control Notified Status
Mr Andrew Murray Threipland Individual Shares 75–100%, Voting 75–100%, Appoints directors 2016-04-06 Active

Filing timeline

Last 20 of 240 total filings

Material constitutional events — rename, articles re-file, resolution

  • 2025-07-17 RESOLUTIONS Resolution
Date Type Category Description
2025-10-17 CS01 confirmation-statement Confirmation statement with updates PDF
2025-09-22 AA accounts Accounts with accounts type full
2025-07-17 SH19 capital Capital statement capital company with date currency figure
2025-07-17 SH20 capital Legacy
2025-07-17 CAP-SS insolvency Legacy
2025-07-17 RESOLUTIONS resolution Resolution
2024-11-01 CS01 confirmation-statement Confirmation statement with no updates PDF
2024-11-01 PSC04 persons-with-significant-control Change to a person with significant control PDF
2024-11-01 CH01 officers Change person director company with change date PDF
2024-10-04 AA accounts Accounts with accounts type full
2023-10-23 CS01 confirmation-statement Confirmation statement with no updates PDF
2023-10-06 AA accounts Accounts with accounts type full
2023-01-26 AP01 officers Appoint person director company with name date PDF
2022-10-21 CS01 confirmation-statement Confirmation statement with updates PDF
2022-10-04 AA accounts Accounts with accounts type full
2021-12-07 SH01 capital Capital allotment shares PDF
2021-11-17 AA accounts Accounts with accounts type full
2021-10-07 CS01 confirmation-statement Confirmation statement with updates PDF
2021-01-12 AA accounts Accounts with accounts type full
2020-10-01 CS01 confirmation-statement Confirmation statement with no updates PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
6

last 12 months

Capital events
2

last 24 months

Officers appointed
0

last 12 months

Officers resigned
0

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

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

Official Companies House page