INSURANCE HOLDINGS LTD.
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-06-30
Confirmation statement due
2026-12-22 (in 7mo)
Last made up 2025-12-08
Watchouts
Cash
£3M
+146.7% vs 2023
Net assets
£15M
+16.6% vs 2023
Employees
140
+10.2% vs 2023
Profit before tax
£6M
+18.4% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
Name history
Renamed 1 time since incorporation
- INSURANCE HOLDINGS LTD. 2007-02-19 → present
- TRANSPORT INSURANCE SOLUTIONS LIMITED 2005-10-24 → 2007-02-19
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-06-30
| Metric | Trend | 2023-06-30 | 2024-06-30 |
|---|---|---|---|
| Turnover | £18,142,000 | £19,622,000 | |
| Operating profit | £4,616,000 | £5,496,000 | |
| Profit before tax | £4,674,000 | £5,532,000 | |
| Net profit | £3,592,000 | £4,157,000 | |
| Cash | £1,333,000 | £3,289,000 | |
| Total assets less current liabilities | £20,692,000 | £22,319,000 | |
| Net assets | £12,625,000 | £14,715,000 | |
| Equity | £12,625,000 | £14,715,000 | |
| Average employees | 127 | 140 | |
| 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 | 2023-06-30 | 2024-06-30 |
|---|---|---|---|
| Operating margin | 25.4% | 28.0% | |
| Net margin | 19.8% | 21.2% | |
| Return on capital employed | 22.3% | 24.6% | |
| Gearing (liabilities / total assets) | 62.4% | 60.6% | |
| Current ratio | 1.66x | 1.68x | |
| Interest cover | 11.15x | 13.50x |
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
- Consolidated group
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Group and the Company meets its day-to-day working capital requirements through its cash reserves and ongoing cash generation and has no borrowings other than internal debt in the wider group. The Group's forecasts and projections, taking account of realistic possible changes in trading performance, show that the Group and the Company has adequate financial resources to continue its operations for a period of 12 months from the approval of the Group and the Company financial statements. The Group and the Company therefore continue to adopt the going concern basis of preparing its consolidated and individual financial statements.”
Group structure
- INSURANCE HOLDINGS LTD. · parent
- Breeze Underwriting Limited 95%
- Carroll & Partners Limited 100%
- Carroll Harvey Limited 100%
- Carroll London Markets Holdings Ltd 100%
- Carroll London Markets Ltd 100%
- Carroll Insurance Brokers Ltd* 100%
- Carroll Insurance Group Ltd* 100%
- Easy Broking Online Ltd 100%
- Fenchurch Insurance Risk Management Ltd 100%
- Just Business Cover Ltd 100%
- UK Facilities Limited 100%
Significant events
- “The Group has been acquired by Ardonagh Specialty Holdings 2 Limited on 11th October 2024.”
- “The PSC Insurance Group Ltd entered a Scheme Implementation Deed on 8 May 2024 with Rosedale Bidco Ltd... The Company has been acquired by Ardonagh Specialty Holdings 2 Limited on 11th October 2024 and a Global Deed of Release over the assets charged was signed on the same date.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 18 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ARDONAGH CORPORATE SECRETARY LIMITED | Corporate Secretary | 2025-03-13 | — | — |
| EROTOCRITOU, Antonios | Director | 2025-10-13 | May 1971 | Cypriot |
| KENNEDY, Scott Stewart | Director | 2025-10-13 | Aug 1979 | British |
| SULAIMAN, Sami Saad | Director | 2015-10-21 | Mar 1987 | British |
Show 18 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| EZZARD, Maria Theresa | Secretary | 2005-10-24 | 2009-07-01 |
| GOLDSTONE, Sindy | Secretary | 2012-06-18 | 2025-01-12 |
| NORMAN, Philip Alfred | Secretary | 2009-07-01 | 2010-01-01 |
| MANTEL SECRETARIES LIMITED | Corporate Secretary | 2005-10-24 | 2005-10-24 |
| AUSTIN, Brian Mark | Director | 2012-10-01 | 2017-08-09 |
| DWYER, Paul Robert | Director | 2012-08-24 | 2017-08-09 |
| EAGLES, Michael David | Director | 2012-05-30 | 2013-10-31 |
| EZZARD, David James | Director | 2005-10-24 | 2024-06-01 |
| HYLAND, John Paul Robert | Director | 2007-03-23 | 2015-05-27 |
| JACKSON, Bernard | Director | 2009-10-01 | 2011-09-10 |
| LENIHAN, Noel Christopher | Director | 2007-03-23 | 2026-02-13 |
| MANZOOR, Mazhar | Director | 2008-10-31 | 2009-07-01 |
| NORMAN, Philip Alfred | Director | 2009-07-01 | 2010-01-01 |
| REID, Joshua Martin | Director | 2017-12-05 | 2019-01-14 |
| ROUTLEDGE, Gary Lewis | Director | 2007-03-23 | 2007-09-30 |
| SEYMOUR, Gary Michael | Director | 2013-09-02 | 2015-05-18 |
| STEWART, Rohan Trevor | Director | 2017-12-05 | 2019-01-14 |
| MANTEL NOMINEES LIMITED | Corporate Director | 2005-10-24 | 2005-10-24 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Ardonagh Finco Uk Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2024-10-11 | Ceased 2024-10-11 |
| Ardonagh Specialty Holdings 2 Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2024-10-11 | Active |
Filing timeline
Last 20 of 137 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-10-23 MA Memorandum articles
- 2025-10-23 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-02-21 | CH01 | officers | Change person director company with change date | |
| 2026-02-19 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-04 | CH01 | officers | Change person director company with change date | |
| 2025-12-17 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-23 | MA | incorporation | Memorandum articles | |
| 2025-10-23 | RESOLUTIONS | resolution | Resolution | |
| 2025-10-20 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-20 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-29 | AA01 | accounts | Change account reference date company current extended | |
| 2025-09-24 | AA01 | accounts | Change account reference date company current shortened | |
| 2025-07-02 | AA | accounts | Accounts with accounts type group | |
| 2025-04-24 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-04-24 | AP04 | officers | Appoint corporate secretary company with name date | |
| 2025-01-31 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-01-30 | MR05 | mortgage | Mortgage charge whole release with charge number | |
| 2024-12-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-11-04 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-10-29 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2024-10-29 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2024-10-28 | PSC02 | persons-with-significant-control | Notification of a person with significant control |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 11
- Capital events
- 0
- Officers appointed
- 2
- 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 2024-06-30 vs 2023-06-30
-
Turnover
+8.2%
£18,142,000 £19,622,000
-
Cash
+146.7%
£1,333,000 £3,289,000
-
Net assets
+16.6%
£12,625,000 £14,715,000
-
Employees
+10.2%
127 140
-
Operating profit
+19.1%
£4,616,000 £5,496,000
-
Profit before tax
+18.4%
£4,674,000 £5,532,000
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