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Next accounts due

2026-09-30 (in 4mo)

Last filed for 2024-12-31

Confirmation statement due

2027-05-02 (in 1y)

Last made up 2026-04-18

Watchouts

None on the register

Cash

Latest balance sheet

Net assets

£857K

+23.3% vs 2023

Employees

0

Average over period

Profit before tax

£226K

-28.2% vs 2023

Accounts

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

Metric Trend 2023-12-312024-12-31
Gross written premiums £1,808,525£2,058,667
Net earned premiums £1,375,475£1,559,650
Claims incurred £624,432£855,145
Investment return £99,531£144,038
Profit before tax £314,271£225,599
Net profit £233,720£161,668
Insurance contract liabilities £3,193,952£3,669,214
Total assets £4,399,674£5,195,014
Total liabilities £3,704,825£4,338,196
Equity £694,849£856,818
Average employees 00

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) 84.2%83.5%

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
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.”

Significant events

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

People

8 active · 4 resigned

Name Role Appointed Born Nationality
HAMPDEN LEGAL PLC Corporate Secretary 2000-06-30
LUMSDEN, Camilla Louise Director 2024-10-17 Mar 1986 British
LUMSDEN, James Ranald Iain Director 2024-10-17 May 1983 British
LUMSDEN, James Malcolm Campbell Director 2009-01-21 Aug 1948 British
LUMSDEN, Jane Roberta Macewan Director 2024-10-17 May 1957 British
LUMSDEN, Rebecca Jane Macewan Director 2024-10-17 Jun 1980 British
TOTTMAN, Mark John Director 2023-07-31 Jun 1964 British
NOMINA PLC Corporate Director 1998-09-24
Show 4 resigned officers
Name Role Appointed Resigned
EGREMONT, Louise Secretary 1998-09-24 2000-06-30
EVANS, Jeremy Richard Holt Director 2001-11-01 2023-07-31
EVANS, Jeremy Richard Holt Director 1998-09-24 2001-07-04
NOMINA SERVICES LIMITED Corporate Director 2001-07-04 2001-11-01

Ownership

Persons with significant control

Name Kind Nature of control Notified Status
James Malcolm Campbell Lumsden Individual Shares 75–100%, Voting 75–100%, Appoints directors 2016-04-06 Active

Filing timeline

Last 20 of 231 total filings

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

  • 2024-07-29 RESOLUTIONS Resolution
Date Type Category Description
2026-05-06 CS01 confirmation-statement Confirmation statement with no updates PDF
2025-10-02 AA accounts Accounts with accounts type full
2025-04-24 CS01 confirmation-statement Confirmation statement with updates PDF
2024-10-25 AP01 officers Appoint person director company with name date PDF
2024-10-25 AP01 officers Appoint person director company with name date PDF
2024-10-25 AP01 officers Appoint person director company with name date PDF
2024-10-25 AP01 officers Appoint person director company with name date PDF
2024-10-06 AA accounts Accounts with accounts type full
2024-07-29 SH08 capital Capital name of class of shares
2024-07-29 SH02 capital Capital alter shares subdivision
2024-07-29 RESOLUTIONS resolution Resolution
2024-04-25 CS01 confirmation-statement Confirmation statement with updates PDF
2023-09-15 AA accounts Accounts with accounts type full
2023-08-07 TM01 officers Termination director company with name termination date PDF
2023-08-07 AP01 officers Appoint person director company with name date PDF
2023-04-24 CS01 confirmation-statement Confirmation statement with no updates PDF
2022-09-23 AA accounts Accounts with accounts type full
2022-04-25 CS01 confirmation-statement Confirmation statement with no updates PDF
2021-09-22 AA accounts Accounts with accounts type full
2021-05-11 CS01 confirmation-statement Confirmation statement with no updates PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
2

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