NPA INSURANCE LIMITED
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Cash
—
Latest balance sheet
Net assets
£19m
+11.1% highest in 3 filed years
Employees
48
+9.1% highest in 3 filed years
Profit before tax
£3.7m
+59.8% highest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
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 |
|---|---|---|---|---|---|
| Gross written premiums | — | £23,713,696 | £22,132,835 | -6.7% | |
| Net earned premiums | — | £14,101,042 | £16,263,843 | +15.3% | |
| Claims incurred | — | £5,985,784 | £6,683,353 | +11.7% | |
| Investment return | — | £1,357,024 | £1,420,018 | +4.6% | |
| Profit before tax | -£63,304 | £2,329,593 | £3,723,263 | +59.8% | |
| Net profit | £31,638 | £2,406,889 | £3,716,706 | +54.4% | |
| Insurance contract liabilities | — | £33,912,684 | £34,948,113 | +3.1% | |
| Total assets | £55,383,515 | £60,541,695 | £61,358,852 | +1.3% | |
| Total liabilities | £40,447,575 | £43,198,866 | £42,099,317 | -2.5% | |
| Equity | £14,935,940 | £17,342,829 | £19,259,535 | +11.1% | |
| Average employees | 42 | 44 | 48 | +9.1% |
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 |
|---|---|---|---|---|
| Operating margin | -1.2% | 7.3% | — | |
| Net margin | 0.1% | 10.1% | — | |
| Return on capital employed | -0.6% | 3.4% | — | |
| Gearing (liabilities / total assets) | 73.0% | 71.4% | 68.6% | |
| Current ratio | 2.01x | 2.09x | — | |
| Interest cover | -1.39x | 59.99x | — |
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.
Name history
Renamed 1 time since incorporation
- NPA INSURANCE LIMITED 2007-10-29 → present
- CHEMISTS' DEFENCE ASSOCIATION LIMITED 1899-11-23 → 2007-10-29
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Company's forecasts, capital requirements and cashflows, taking account of reasonable possible changes in trading performance, show that the Company is and will continue to be a going concern for a period of at least 12 months from the date when these financial statements are authorised for issue.”
Significant events
- “A dividend of £1.8m (2024: nil) was paid to NPA in April 2025 with a further dividend anticipated in 2026.”
- “From 1 January 2025 the Company no longer underwrites Home policies and has moved to a broker solution for these policies.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 89 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| RICHARDS, Gareth | Secretary | 2011-03-21 | — | — |
| BANKS, Lisa | Director | 2019-04-10 | Nov 1977 | British |
| DREW, Simon Richard | Director | 2025-10-17 | Oct 1969 | British |
| GREGG, Henry Matthew | Director | 2026-03-16 | Aug 1980 | British |
| HUNT, Mandy | Director | 2026-02-03 | Jul 1971 | British |
| KAYE, Nicholas Robert | Director | 2025-07-10 | Nov 1975 | British |
| MAGEEAN, Bernard | Director | 2016-10-06 | Oct 1956 | British |
| SAYLES, Paul David | Director | 2021-11-24 | Jul 1978 | British |
| WHITE, Russell Oliver | Director | 2023-03-28 | Apr 1975 | British |
Show 89 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DOSSER, Brian | Secretary | — | 1999-09-28 |
| MAW, Richard Jonathon Crompton | Secretary | 1999-09-28 | 2007-10-31 |
| SONI, Ashok | Secretary | 2008-01-29 | 2011-01-14 |
| WHITE, Alison Joy | Secretary | 2007-10-31 | 2008-01-15 |
| AGGARWAL, Raj Kumar | Director | 2004-05-25 | 2005-11-25 |
| ALEXANDER, Gerald Martin | Director | 1995-04-25 | 2005-11-25 |
| ALLAN, George Edward | Director | 1995-04-25 | 2001-04-24 |
| BADENHORST, Jan Barend | Director | 2023-04-25 | 2024-01-12 |
| BEGLINGER, Shirley Lenore | Director | 2009-07-13 | 2015-10-17 |
| BENNETT, Martin | Director | 2002-10-29 | 2006-01-24 |
| BENNETT, Martin | Director | — | 1995-04-25 |
| BENNETT, Paul | Director | 2008-01-29 | 2008-12-18 |
| BROWN, Edward Joseph | Director | — | 1995-04-25 |
| BRUCE, Catherine | Director | 2024-10-08 | 2025-12-04 |
| BULLOUS, Gordon Harry | Director | — | 1995-04-25 |
| CALVERT, Leslie | Director | — | 1995-04-25 |
| CATTEE, Peter | Director | 2001-04-24 | 2008-12-18 |
| CHAPMAN, William Neil Paulin | Director | 1995-04-25 | 1998-04-28 |
| CLAPINSKI, Wieslaw Gareth | Director | — | 2001-04-24 |
| CLITHEROW, Jeremy | Director | 2004-04-27 | 2005-09-20 |
| CLITHEROW, Jeremy | Director | — | 2001-04-24 |
| COLEMAN, Paul Neville | Director | 2008-04-29 | 2023-03-22 |
| CONQUEST, Ian Richard | Director | 1995-04-25 | 2002-06-21 |
| CORDWELL, Ian Derek | Director | 2019-04-10 | 2024-04-11 |
| CRUICKSHANK, Alan Stewart | Director | — | 1998-04-28 |
| CUBBIN, Ian James, Dr | Director | 2024-10-08 | 2025-11-11 |
| CURD, Robert Sidney | Director | 2004-04-27 | 2005-11-25 |
| D'ARCY, John Gerard Patrick | Director | 2001-11-27 | 2007-04-30 |
| DELVES, Graham William | Director | — | 1998-04-28 |
| DOVE, Walter Frederick | Director | — | 2005-11-25 |
| EVANS, Richard Owen | Director | 2001-04-24 | 2004-04-27 |
| EVANS, Richard Owen | Director | 1997-01-28 | 2001-04-24 |
| FACER, Alan Stuart | Director | — | 1998-04-28 |
| FACER, Ian Martin | Director | 2004-04-27 | 2005-11-25 |
| GALT, Philip Callaghan | Director | 2020-07-27 | 2023-10-02 |
| GELLMAN, Marshall | Director | — | 1998-04-28 |
| GLEESON, Peter Alfred Patrick | Director | — | 1993-10-26 |
| GOULD, Robert Frank | Director | 2004-04-27 | 2005-11-25 |
| GUERIN, Michael Francis | Director | 2005-03-19 | 2005-11-25 |
| GUNN, Breda Mary | Director | 1999-09-28 | 2004-04-27 |
| GUSH, Andrew Charles | Director | 2001-04-24 | 2004-04-27 |
| HANNAWIN, Terence Gabriel | Director | 1998-04-28 | 2004-04-27 |
| HIND, Frederick John | Director | 1995-04-25 | 2001-04-24 |
| HIRCHFIELD, Glenn Fraser | Director | 2005-11-21 | 2006-07-24 |
| HOULIHAN, Denis Francis | Director | 2004-04-27 | 2005-09-20 |
| IDE, Christopher George | Director | 2008-12-18 | 2009-04-09 |
| JENKINS, Peter | Director | — | 2001-04-24 |
| JOHNSTONE, Ian James | Director | 1998-04-28 | 2004-04-27 |
| JOSHI, Dilip | Director | 2006-02-28 | 2018-04-23 |
| JOSHI, Dilip | Director | 2004-04-27 | 2005-11-25 |
| KAYE, David Francis | Director | — | 1995-01-13 |
| KENNERLEY, Patricia Diane | Director | 2002-09-26 | 2008-01-29 |
| KING, Joseph | Director | — | 1995-04-25 |
| MAW, Richard Jonathon Crompton | Director | 2001-11-27 | 2007-10-31 |
| MCCAFFERTY, Brendan Eamon | Director | 2021-10-05 | 2024-08-31 |
| MCCUSKER, Iain Colquhoun | Director | 2008-12-18 | 2023-10-25 |
| MERCER, Calum | Director | 2024-09-26 | 2025-03-31 |
| MICHAELS, Coll | Director | 2005-03-19 | 2005-11-25 |
| MURDOCK, Andrew Mark | Director | 1998-04-28 | 2005-11-25 |
| O'ROURKE, Thomas Ignatius | Director | — | 1998-04-28 |
| PALMER, Adrian Russell | Director | 2009-03-24 | 2014-06-01 |
| PANESAR, Rakesh Kumar | Director | 2003-03-29 | 2005-11-25 |
| PATEL, Hemant Ramanbhai | Director | 1995-04-25 | 2005-11-25 |
| PATEL, Hiten Kumar | Director | 2001-04-24 | 2004-04-27 |
| PATEL, Kirit Chimanbhai | Director | 1993-12-01 | 2004-04-27 |
| PATEL, Rajesh Ramniklal | Director | 2011-07-05 | 2023-04-25 |
| PATEL, Rajesh Ramniklal | Director | 2011-04-18 | 2011-04-18 |
| PATEL, Rajesh Ramniklal | Director | 1998-04-28 | 2008-12-18 |
| PATEL BSC MRPHARMS, Umesh Babubhai | Director | 1998-04-28 | 2005-11-25 |
| PHILLIPS, Graham Stuart | Director | 1998-04-28 | 2005-01-26 |
| PRICE, Matthew | Director | 2004-04-27 | 2005-11-25 |
| PRIEST, Lewis | Director | — | 1995-04-25 |
| REES, Paul Douglas | Director | 2024-07-09 | 2025-01-07 |
| SAUNDERS, Adrian Kevin | Director | 2024-10-08 | 2025-12-04 |
| SEMPLE, James Bernard | Director | 2003-03-29 | 2005-11-25 |
| SHARPE, David Norman | Director | 1994-07-10 | 1998-04-28 |
| SMITH, Alan | Director | — | 1994-07-10 |
| SMITH, Michael Harold | Director | 1995-04-25 | 1999-07-14 |
| SONI, Ashok | Director | 1998-04-28 | 2011-01-14 |
| STRACHAN, Ian | Director | 2001-04-24 | 2004-04-27 |
| SUKERT, David | Director | 1998-04-28 | 2004-04-27 |
| TAYLOR, Andrew James | Director | 2001-04-24 | 2002-08-01 |
| THOMAS, John David | Director | — | 1998-04-28 |
| THOMAS, Richard Noel | Director | — | 1996-09-24 |
| TURK, John Tristram | Director | 2008-08-27 | 2010-04-07 |
| WHITE, Alison Joy | Director | 2007-10-17 | 2008-01-15 |
| WOODWARD, Sean Philip | Director | 2001-04-24 | 2005-11-25 |
| WORBY, Robert Geoffrey | Director | — | 1995-04-25 |
| ZATLAND, Ben | Director | 1995-04-25 | 2001-04-24 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| National Pharmacy Association Ltd | Corporate entity | Shares 75–100% | 2016-04-26 | Active |
Filing timeline
Last 20 of 305 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-01-06 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-25 | AA | accounts | Accounts with accounts type full | |
| 2026-07-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-03-16 | AP01 | officers | Appoint person director company with name date | |
| 2026-02-13 | AP01 | officers | Appoint person director company with name date | |
| 2025-12-04 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-04 | CH01 | officers | Change person director company with change date | |
| 2025-12-04 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-18 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-31 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-14 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-14 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-13 | AA | accounts | Accounts with accounts type full | |
| 2025-04-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-01-06 | MA | incorporation | Memorandum articles | |
| 2024-11-07 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-07 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-07 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-04 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-02 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- Capital events
- 0
- Officers appointed
- 3
- Officers resigned
- 3
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.