The Accounts Companies House intelligence

HARDHAM LIMITED

#09840467 · Active · Group / consolidated · Incorporated 2015-10-26 (10y 7m) · Last filing 2026-02-05 (3mo ago)
Financials · SIC 65120 · K Financial & Insurance Activities · Group accounts

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Next accounts due

2026-09-30 (in 4mo)

Last filed for 2024-12-31

Confirmation statement due

2026-07-13 (in 2mo)

Last made up 2025-06-29

Watchouts

1 item

Cash

—

Latest balance sheet

Net assets

£10M

+14% vs 2023

Employees

3

Average over period

Profit before tax

£1M

-62.1% vs 2023

Watchouts

Facts from the Companies House register and the latest accounts — not a rating

Name history

Renamed 1 time since incorporation

  1. HARDHAM LIMITED 2016-09-11 → present
  2. HARDHAM HOLDINGS LIMITED 2015-10-26 → 2016-09-11

Accounts

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

Metric Trend 2023-12-312024-12-31
Gross written premiums £14,443,200£16,111,766
Net earned premiums £11,335,145£11,772,362
Claims incurred £4,991,622£6,474,082
Investment return £885,794£1,022,006
Profit before tax £3,804,853£1,442,064
Net profit £2,959,347£1,192,918
Insurance contract liabilities £26,267,658£29,153,780
Total assets £39,824,459£47,936,724
Total liabilities £31,252,009£38,161,266
Equity £8,572,450£9,775,458
Average employees —3

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) 78.5%79.6%

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
Humphrey & Co Audit Services Limited
Audit opinion
Qualified
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 group 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 group's ability to continue as a going concern for a period of at least twelve months from when the group financial statements are authorised for issue.”

Group structure

  1. HARDHAM LIMITED · parent
    1. Nameco (No 540) Ltd 100% · England and Wales · Corporate member of Lloyd's

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

People

5 active · 3 resigned

Name Role Appointed Born Nationality
ROWELL, Annabel Eleanor Director 2025-04-17 May 2006 British
ROWELL, Jonathan George Benton Director 2016-02-16 Nov 1961 British
ROWELL, Rosemary Director 2022-06-01 Jul 1975 British
ROWELL, Saffron Director 2022-12-03 Nov 2004 British
ROWELL, Viola Imogen Director 2025-04-17 May 2006 British
Show 3 resigned officers
Name Role Appointed Resigned
HAMPDEN LEGAL PLC Corporate Secretary 2015-10-26 2017-07-01
EVANS, Jeremy Richard Holt Director 2015-10-26 2016-08-30
NOMINA PLC Corporate Director 2015-10-26 2016-08-30

Ownership

Persons with significant control

Name Kind Nature of control Notified Status
Jonathan George Benton Rowell Individual Shares 75–100%, Voting 75–100%, Appoints directors 2016-04-06 Active

Filing timeline

Last 20 of 40 total filings

Date Type Category Description
2026-02-05 AA accounts Accounts with accounts type group
2025-12-03 PSC04 persons-with-significant-control Change to a person with significant control PDF
2025-07-01 CS01 confirmation-statement Confirmation statement with no updates PDF
2025-04-30 AP01 officers Appoint person director company with name date PDF
2025-04-30 AP01 officers Appoint person director company with name date PDF
2025-02-06 AA accounts Accounts with accounts type group
2024-07-09 CS01 confirmation-statement Confirmation statement with no updates PDF
2024-01-05 AA accounts Accounts with accounts type group
2023-07-07 CS01 confirmation-statement Confirmation statement with no updates PDF
2023-01-08 AA accounts Accounts with accounts type group
2022-12-16 AP01 officers Appoint person director company with name date PDF
2022-07-06 CS01 confirmation-statement Confirmation statement with no updates PDF
2022-06-13 AP01 officers Appoint person director company with name date PDF
2022-01-06 AA accounts Accounts with accounts type group
2021-07-09 CS01 confirmation-statement Confirmation statement with no updates PDF
2021-02-10 AA accounts Accounts with accounts type group
2021-01-10 AAMD accounts Accounts amended with accounts type group
2020-07-09 CS01 confirmation-statement Confirmation statement with no updates PDF
2019-09-30 AA accounts Accounts with accounts type micro entity PDF
2019-07-04 CS01 confirmation-statement Confirmation statement with no updates PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
3

last 12 months

Capital events
0

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