NAVIGATORS UNDERWRITING LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-08-20 (in 3mo)
Last made up 2025-08-06
Watchouts
None on the register
Cash
—
Latest balance sheet
Net assets
—
Equity attributable
Employees
5
+25% vs 2023
Profit before tax
-£871K
-220.5% vs 2023
Name history
Renamed 1 time since incorporation
- NAVIGATORS UNDERWRITING LIMITED 2004-12-20 → present
- PENNINE UNDERWRITING LIMITED 1999-08-06 → 2004-12-20
Profit before tax
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £2,080,103 | £2,092,942 | |
| Operating profit | £188,229 | £149,882 | |
| Profit before tax | £722,766 | -£870,735 | |
| Net profit | £605,510 | -£919,497 | |
| Cash | — | — | |
| Total assets less current liabilities | — | — | |
| Net assets | — | — | |
| Equity | £1,824,199 | £904,702 | |
| Average employees | 4 | 5 | |
| Wages | £983,085 | £1,260,778 |
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 |
|---|---|---|---|
| Operating margin | 9.0% | 7.2% | |
| Net margin | 29.1% | -43.9% |
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
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors are of the opinion that the Company has adequate resources to continue in operational existence for the foreseeable future and trading continues to operate satisfactorily from the London and Zurich offices. Having assessed the principal risks and having made enquiries, the Directors therefore have a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future and consider it appropriate to continue to adopt the going concern basis in preparing the financial statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
2 active · 29 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BACH III, Carl Lee | Director | 2015-05-22 | Sep 1975 | American |
| FARRER, Neil James | Director | 2019-05-08 | Jun 1979 | British |
Show 29 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HEDGES, Jacqueline | Secretary | 1999-08-06 | 2009-01-27 |
| HILLERY, Kathryn Jill | Secretary | 2009-04-13 | 2011-05-06 |
| LUCK, Steven John | Secretary | 2009-02-06 | 2009-04-13 |
| WALSH, Hugh Francis | Secretary | 2011-08-30 | 2015-02-26 |
| ZOBEL, Alison Jane | Secretary | 2016-06-07 | 2018-02-20 |
| ALPHA SECRETARIAL LIMITED | Corporate Nominee Secretary | 1999-08-06 | 1999-08-06 |
| BURNS, Alastair James | Director | 2017-02-08 | 2020-02-28 |
| BUSBY, Caroline Lucy | Director | 2014-01-14 | 2015-04-10 |
| BUTCHER, Christopher Stewart | Director | 2004-12-02 | 2008-07-29 |
| CAMERON, Angus Kenneth | Director | 2011-08-30 | 2013-09-26 |
| CAMERON, Sheila Mary | Director | 2017-02-08 | 2018-12-31 |
| CASELLA, Michael James | Director | 2016-11-03 | 2019-03-15 |
| COOPER, John Anthony | Director | 2000-08-17 | 2002-06-30 |
| COWARD, Stephen Richard | Director | 2002-10-18 | 2017-07-28 |
| DAVENPORT, Paul Jonathan | Director | 2016-11-03 | 2018-10-05 |
| DEAL, Guillaume Emmanuel Henri | Director | 2018-05-24 | 2020-08-19 |
| DINGLEY, Colin Trevor | Director | 1999-08-06 | 2006-10-25 |
| HEDGES, Jacqueline | Director | 2005-11-15 | 2009-01-27 |
| HENNESSY, Paul Vladimir | Director | 2015-05-22 | 2015-12-31 |
| JORDAN, Kevin Alec | Director | 2005-11-15 | 2013-02-15 |
| LIMB, Nicholas | Director | 2001-01-01 | 2004-07-23 |
| LOONE, Nicole Lesley | Director | 2010-05-27 | 2011-04-21 |
| ROBERTSON, Michael John | Director | 1999-08-06 | 2002-01-07 |
| SOTHINATHAN, Printhan | Director | 2015-07-21 | 2016-06-30 |
| SPROTT, Colin Douglas | Director | 2015-05-22 | 2026-02-26 |
| STEWART, Ian Philip | Director | 1999-08-06 | 2005-11-15 |
| THOMAS, Stephen Lionel | Director | 1999-08-06 | 2000-08-17 |
| WHEELER, Timothy Frederick | Director | 1999-08-06 | 2012-07-01 |
| ALPHA DIRECT LIMITED | Corporate Nominee Director | 1999-08-06 | 1999-08-06 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Hartford Underwriting Agency Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors, significant-influence-or-control-as-firm | 2016-04-06 | Active |
Filing timeline
Last 20 of 129 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-05 | AA | accounts | Accounts with accounts type full | |
| 2024-08-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-07 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-07-12 | AA | accounts | Accounts with accounts type full | |
| 2023-09-25 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-08-24 | AAMD | accounts | Accounts amended with accounts type full | |
| 2023-08-14 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-07-20 | AA | accounts | Accounts with accounts type full | |
| 2022-08-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-06-27 | AA | accounts | Accounts with accounts type full | |
| 2021-08-14 | AA | accounts | Accounts with accounts type full | |
| 2021-08-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-03-31 | CH01 | officers | Change person director company with change date | |
| 2020-11-12 | AA | accounts | Accounts with accounts type full | |
| 2020-08-25 | TM01 | officers | Termination director company with name termination date | |
| 2020-08-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-03-16 | TM01 | officers | Termination director company with name termination date | |
| 2019-10-12 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 0
- Officers appointed
- 0
- 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
+0.6%
£2,080,103 £2,092,942
-
Cash
—
Not reported
-
Net assets
—
Not reported
-
Employees
+25%
4 5
-
Operating profit
-20.4%
£188,229 £149,882
-
Profit before tax
-220.5%
£722,766 -£870,735
-
Wages
+28.2%
£983,085 £1,260,778
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