THE CHESTER STREET EMPLOYERS ASSOCIATION LIMITED
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Cash
£4.7m
-17.5% vs 2024
Net assets
-£2.6bn
+1% highest in 3 filed years
Employees
3
0% vs 2024
Profit before tax
£26m
-48.4% lowest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
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Accounts not prepared on a going-concern basis
The assets and liabilities of Chester Street Insurance Holdings Limited have been prepared on a break-up basis as the Group is not a going concern, having entered into a Scheme of Arrangement with its creditors under section 425 of the Companies Act 1985 (the 'Scheme') on 5 March 2001.
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Going-concern uncertainty disclosed
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Negative shareholders' funds
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Total income | — | — | — | — | |
| Operating profit | — | — | — | — | |
| Profit before tax | £27,800,000 | £50,600,000 | £26,100,000 | -48.4% | |
| Net profit | £27,800,000 | £50,600,000 | £26,100,000 | -48.4% | |
| Cash | £4,400,000 | £5,700,000 | £4,700,000 | -17.5% | |
| Total assets less current liabilities | — | — | — | — | |
| Net assets | -£2,629,700,000 | -£2,579,100,000 | — | — | |
| Equity | — | — | — | — | |
| Average employees | 3 | 3 | 3 | 0% | |
| Wages | £56,000 | £55,000 | £69,000 | +25.5% | |
| Directors' remuneration | £56,000 | £55,000 | £55,000 | 0% | |
| Highest paid director | £23,000 | £24,000 | £24,000 | 0% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | 3009.0% | 3327.9% | — | |
| Current ratio | 4.73x | 4.85x | — |
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.
Name history
Renamed 1 time since incorporation
- THE CHESTER STREET EMPLOYERS ASSOCIATION LIMITED 2000-07-11 → present
- IRON TRADES EMPLOYERS INSURANCE ASSOCIATION,LIMITED(THE) 1898-04-21 → 2000-07-11
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- Blick Rothenberg Audit LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Not a going concern (break-up basis)
“The assets and liabilities of Chester Street Insurance Holdings Limited have been prepared on a break-up basis as the Group is not a going concern, having entered into a Scheme of Arrangement with its creditors under section 425 of the Companies Act 1985 (the 'Scheme') on 5 March 2001.”
Group structure
- THE CHESTER STREET EMPLOYERS ASSOCIATION LIMITED · parent
- Chester Street Insurance Holdings Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 16 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BEVERIDGE, Robert Erskine | Secretary | 2000-09-22 | — | British |
| BEVERIDGE, Robert Erskine | Director | 1995-03-30 | Sep 1941 | British |
| HARDY, William Robert | Director | 2023-06-01 | Jul 1959 | British |
| SHERMAN, Antony | Director | 2024-12-31 | Dec 1958 | British |
Show 16 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HOVEY, Joseph Maurice, Mr. | Secretary | — | 1993-10-03 |
| WILSON, Julian Bernard | Secretary | 1993-10-04 | 2000-09-22 |
| CAIN, William John | Director | 1994-05-19 | 2023-05-11 |
| CARSWELL, Gilbert Landell | Director | — | 2000-05-16 |
| DAVIDSON, James Patton | Director | — | 1994-05-19 |
| FRIEND, Bernard Ernest | Director | — | 1993-12-23 |
| GRANT, Philip James | Director | 2000-05-16 | 2002-10-11 |
| HARDY, William Robert | Director | 1997-03-27 | 2000-05-16 |
| HARES, Phillip Douglas George | Director | — | 1997-12-31 |
| HILL, Raymond Stanley | Director | 1994-03-31 | 1995-05-25 |
| LEE, David Stanley Wilton | Director | — | 1998-12-31 |
| PEEK, Roger William | Director | 1992-07-16 | 1998-04-07 |
| SAMBROOK, Gordon Hartley | Director | — | 1996-02-04 |
| STOCKDALE, William, Dr | Director | 1998-06-25 | 2002-10-11 |
| STRICKLAND, Benjamin Vincent Michael | Director | 1996-09-26 | 2025-05-01 |
| TURNER, David John | Director | 1992-02-06 | 2000-04-30 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 139 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-07 | AA | accounts | Accounts with accounts type group | |
| 2026-07-22 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-07-22 | RP01AP01 | officers | Replacement filing of director appointment with name | |
| 2025-12-11 | AA | accounts | Accounts with accounts type group | |
| 2025-08-07 | RP04TM01 | officers | Second filing of director termination with name | |
| 2025-06-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-19 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-27 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-05 | AA | accounts | Accounts with accounts type group | |
| 2024-07-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-10-03 | AA | accounts | Accounts with accounts type group | |
| 2023-06-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-06-15 | AP01 | officers | Appoint person director company with name date | |
| 2023-05-16 | TM01 | officers | Termination director company with name termination date | |
| 2022-09-21 | AA | accounts | Accounts with accounts type group | |
| 2022-06-24 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-09-27 | AA | accounts | Accounts with accounts type group | |
| 2021-06-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-11-30 | AA | accounts | Accounts with accounts type group | |
| 2020-06-30 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- Officers appointed
- 0
- 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.