SOTERIA INSURANCE LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-07-09 (in 2mo)
Last made up 2025-06-25
Watchouts
None on the register
Cash
£60M
-36.7% vs 2023
Net assets
£102M
+5.7% vs 2023
Employees
15
+7.1% vs 2023
Profit before tax
£6M
+293.3% vs 2023
Name history
Renamed 1 time since incorporation
- SOTERIA INSURANCE LIMITED 2021-01-05 → present
- CIS GENERAL INSURANCE LIMITED 2020-06-25 → 2021-01-05
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 |
|---|---|---|---|
| Turnover | -£600,000 | -£500,000 | |
| Operating profit | -£19,400,000 | -£400,000 | |
| Profit before tax | -£3,000,000 | £5,800,000 | |
| Net profit | -£3,000,000 | £5,500,000 | |
| Cash | £94,100,000 | £59,600,000 | |
| Total assets less current liabilities | £349,400,000 | £298,600,000 | |
| Net assets | £96,000,000 | £101,500,000 | |
| Equity | £96,000,000 | £101,500,000 | |
| Average employees | 14 | 15 | |
| Wages | £2,549,000 | £2,067,000 |
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 | 3233.3% | 80.0% | |
| Net margin | 500.0% | -1100.0% | |
| Return on capital employed | -5.6% | -0.1% | |
| Gearing (liabilities / total assets) | 75.7% | 66.5% | |
| Current ratio | 2.25x | 16.06x | |
| Interest cover | -6.47x | -0.17x |
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
- Ernst and Young 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.”
Significant events
- “On 21 March 2025, Soteria entered into an LPT arrangement with a third party to cover its obligations relating to liability claims, transferring liabilities of £23.6m. The net impact on inception of the arrangement was a profit of £5.7m.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 12 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MOORE, Steven Jonathon, Mr. | Secretary | 2024-02-02 | — | — |
| JOHNSTON, Andrew Allan, Mr. | Director | 2024-09-01 | Aug 1972 | British |
| LUDLOW, Sharon Marie | Director | 2024-05-01 | Aug 1966 | Canadian |
| SOUTHWORTH, Neil Anthony, Mr. | Director | 2024-05-01 | Jul 1960 | British |
| SUMMERFIELD, Mark Andrew, Mr. | Director | 2020-06-25 | Nov 1961 | British |
| VANN, Stuart Robert, Mr. | Director | 2026-01-29 | Jul 1971 | British |
Show 12 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ARNOLD, Katy Jane | Secretary | 2020-06-25 | 2020-12-02 |
| VISTRA COMPANY SECRETARIES LIMITED | Corporate Secretary | 2020-12-02 | 2024-02-02 |
| BUCKLEY, Diane | Director | 2020-06-25 | 2020-12-02 |
| ELLIS, Ian Anthony | Director | 2020-06-25 | 2020-12-02 |
| FAWCETT, Caroline Elizabeth | Director | 2020-06-25 | 2020-12-02 |
| GILMOUR, Ewen Hamilton | Director | 2020-12-02 | 2025-12-31 |
| HUBBARD, Peter John | Director | 2020-06-25 | 2020-12-02 |
| LEIGHTON, Maria Louise | Director | 2024-04-15 | 2025-06-25 |
| MITCHELL, Grant Robin John | Director | 2020-12-02 | 2025-01-31 |
| MORGAN, Kathryn Ann | Director | 2020-06-25 | 2024-05-01 |
| PETERKEN, Oliver Lars Edwin | Director | 2020-12-02 | 2024-05-01 |
| SOUTHWORTH, Neil Anthony, Mr. | Director | 2020-06-25 | 2020-12-02 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Saturn Holdings Plc | Corporate entity | Shares 75–100% | 2024-02-19 | Active |
| Soteria Finance Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2020-12-02 | Ceased 2024-02-19 |
Filing timeline
Last 20 of 69 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-06 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2026-02-11 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-12 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-07-07 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-13 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-06-06 | AA | accounts | Accounts with accounts type full | |
| 2025-02-06 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-20 | CH01 | officers | Change person director company with change date | |
| 2024-11-19 | CH01 | officers | Change person director company with change date | |
| 2024-11-19 | CH01 | officers | Change person director company with change date | |
| 2024-11-06 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-09-11 | AA | accounts | Accounts with accounts type full | |
| 2024-09-10 | AP01 | officers | Appoint person director company with name date | |
| 2024-07-04 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-07-04 | AD04 | address | Move registers to registered office company with new address | |
| 2024-06-05 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-05 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-05 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 2
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
+16.7%
-£600,000 -£500,000
-
Cash
-36.7%
£94,100,000 £59,600,000
-
Net assets
+5.7%
£96,000,000 £101,500,000
-
Employees
+7.1%
14 15
-
Operating profit
+97.9%
-£19,400,000 -£400,000
-
Profit before tax
+293.3%
-£3,000,000 £5,800,000
-
Wages
-18.9%
£2,549,000 £2,067,000
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