FIDENTIA 500 LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-03-07 (in 10mo)
Last made up 2026-02-21
Watchouts
None on the register
Cash
—
Latest balance sheet
Net assets
£414K
+50.5% vs 2023
Employees
0
Average over period
Profit before tax
£182K
-17.8% vs 2023
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Gross written premiums | £1,327,041 | £1,379,390 | |
| Net earned premiums | £989,918 | £1,071,803 | |
| Claims incurred | £462,965 | £559,151 | |
| Investment return | £84,630 | £91,462 | |
| Profit before tax | £220,939 | £181,644 | |
| Net profit | £173,944 | £138,980 | |
| Insurance contract liabilities | £2,441,775 | £2,645,412 | |
| Total assets | £3,256,187 | £3,603,078 | |
| Total liabilities | £2,980,929 | £3,188,840 | |
| Equity | £275,258 | £414,238 | |
| Average employees | 0 | 0 |
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 |
|---|---|---|---|
| Gearing (liabilities / total assets) | 91.5% | 88.5% |
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
- Humphrey & Co Audit Services Ltd
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors are of the opinion that the Company has adequate resources to meet its underwriting and other operational obligations for the foreseeable future. Accordingly, the going concern concept has been adopted in the preparation of the financial statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 0 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| FIDENTIA NOMINEES LIMITED | Corporate Secretary | 2010-09-21 | — | — |
| ELBORNE, Sophie Olivia Eliane | Director | 2026-04-27 | Sep 1984 | British |
| WHARMBY, Jeremy Armand Robin | Director | 2026-04-27 | Jan 1976 | British |
| WHARMBY, Oliver Valery Anthony | Director | 2026-04-27 | Sep 1977 | British |
| WHARMBY, Simon Alexander Robin | Director | 2010-09-21 | May 1948 | British |
| FIDENTIA TRUSTEES LIMITED | Corporate Director | 2010-09-21 | — | — |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mrs Sophie Olivia Eliane Elborne | Individual | Voting 25–50% | 2026-04-30 | Active |
| Mr Simon Alexander Robin Wharmby | Individual | Voting 25–50%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 58 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-12 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2026-05-12 | CH01 | officers | Change person director company with change date | |
| 2026-05-12 | AP01 | officers | Appoint person director company with name date | |
| 2026-05-12 | AP01 | officers | Appoint person director company with name date | |
| 2026-05-12 | CH01 | officers | Change person director company | |
| 2026-05-12 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2026-05-12 | PSC01 | persons-with-significant-control | Notification of a person with significant control | |
| 2026-05-12 | CH01 | officers | Change person director company | |
| 2026-05-11 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2026-05-11 | CH01 | officers | Change person director company with change date | |
| 2026-05-11 | AP01 | officers | Appoint person director company with name date | |
| 2026-02-23 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-09-02 | AA | accounts | Accounts with accounts type full | |
| 2025-02-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-17 | AA | accounts | Accounts with accounts type full | |
| 2024-02-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-02-06 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2024-02-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-02-02 | CH01 | officers | Change person director company with change date | |
| 2024-02-02 | PSC04 | persons-with-significant-control | Change to a person with significant control |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 13
- Capital events
- 0
- Officers appointed
- 3
- Officers resigned
- 0
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
-
Gross written premiums
+3.9%
£1,327,041 £1,379,390
-
Net earned premiums
+8.3%
£989,918 £1,071,803
-
Profit before tax
-17.8%
£220,939 £181,644
-
Equity
+50.5%
£275,258 £414,238
-
Claims incurred
+20.8%
£462,965 £559,151
-
Insurance contract liabilities
+8.3%
£2,441,775 £2,645,412
-
Investment return
+8.1%
£84,630 £91,462
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