SIMPLYHEALTH ACCESS
Get an alert when SIMPLYHEALTH ACCESS files next
Leroy will email you the moment a new filing lands at Companies House — one short note per filing, nothing else.
Cash
—
Latest balance sheet
Net assets
£209M
+7.8% highest in 3 filed years
Employees
817
Average over period
Profit before tax
£20M
+18.8% highest in 3 filed years
Net assets
3-year trend · vs Health Care 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 | — | £218,600,000 | £215,100,000 | -1.6% | |
| Net earned premiums | — | £221,300,000 | £214,400,000 | -3.1% | |
| Claims incurred | — | £149,700,000 | £143,900,000 | -3.9% | |
| Investment return | — | £9,400,000 | £13,400,000 | +42.6% | |
| Profit before tax | £12,300,000 | £16,500,000 | £19,600,000 | +18.8% | |
| Net profit | £9,500,000 | £13,300,000 | £15,100,000 | +13.5% | |
| Insurance contract liabilities | — | £91,300,000 | £90,000,000 | -1.4% | |
| Total assets | £305,100,000 | £304,500,000 | £320,300,000 | +5.2% | |
| Total liabilities | — | £110,700,000 | £111,400,000 | +0.6% | |
| Equity | £180,500,000 | £193,800,000 | £208,900,000 | +7.8% | |
| Average employees | — | — | 817 | — |
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 | 1.8% | 4.1% | — | |
| Net margin | 4.3% | 6.0% | — | |
| Return on capital employed | 2.2% | 4.7% | — | |
| Gearing (liabilities / total assets) | 40.8% | 36.4% | 34.8% | |
| Current ratio | 3.57x | 4.93x | — | |
| Interest cover | — | 91.00x | — |
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 3 times since incorporation
- SIMPLYHEALTH ACCESS 2005-12-29 → present
- HSA GROUP LIMITED 2004-12-30 → 2005-12-29
- THE HOSPITAL SAVING ASSOCIATION LIMITED 1999-10-19 → 2004-12-30
- HOSPITAL SAVING ASSOCIATION(THE) 1922-07-11 → 1999-10-19
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have considered in detail the Company's forecast performance, in a number of scenarios, as well as its capital and liquidity resources, in each case. The company remains able to trade as a going concern through the strength of its capital base and liquidity even in the even when faced with severe, yet plausible scenarios/events. Accordingly, the Directors have adopted the going concern basis in preparing these financial statements.”
Group structure
- SIMPLYHEALTH ACCESS · parent
- Simplyhealth Funding Services Limited 100%
Significant events
- “Continuing the rollout of our new operating system to simplify and improve the customer experience”
- “Reasserting our commitment to business as a force for good, as reflected in our B Corp recertification”
- “Being globally recognised at #31 in KPMG's 2025/26 Customer Experience Excellence report, and #1 in the healthcare and insurance sectors in the United Kingdom”
- “Maintaining our profitability as a business”
- “Improving the returns on our investment portfolio so we can continue to reinvest for the long term”
- “Through our fellow group companies continuing to invest in healthcare businesses aligned to our purpose, and expand our product offerings”
- “Simplyhealth as a group committed £7.2 million to healthcare businesses aligned to our purpose”
- “Delivered £1.2 million in charitable and community support this year”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
8 active · 61 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CLIFTON, Rita Ann | Director | 2025-03-03 | Jan 1958 | British |
| DUNLEY-OWEN, Tracy | Director | 2020-01-06 | Mar 1972 | British,South African |
| HOPES, Julie | Director | 2026-05-01 | Jan 1968 | British |
| KNOTT, Jenny | Director | 2020-01-06 | Apr 1968 | British |
| LAWRENCE, Duane Stephen | Director | 2021-09-01 | Nov 1964 | British,American |
| POTTER, Nicholas John | Director | 2021-11-10 | Sep 1971 | British |
| SCHREIER, Paul Jakob Robert, Dr | Director | 2024-07-05 | Jan 1969 | British,Australian |
| STEAD, Martin Clive | Director | 2021-09-01 | May 1977 | British |
Show 61 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ABDIN, Romana | Secretary | 2001-03-05 | 2013-06-30 |
| ASHTON, Helen | Secretary | 2018-07-25 | 2018-11-16 |
| BENJAMIN, Desmond | Secretary | 2000-06-27 | 2001-07-25 |
| DICKINSON, Helen | Secretary | 2018-01-29 | 2018-07-25 |
| GLOVER, James Nicholas | Secretary | 2014-09-01 | 2017-12-31 |
| HARVIE, Christopher James Evans | Secretary | 1999-11-01 | 2000-06-27 |
| JANSENALDER, Jon | Secretary | 2019-05-14 | 2021-02-28 |
| SWIFT, Hollie | Secretary | 2013-07-01 | 2014-08-01 |
| YOUNG, James Alfred | Secretary | — | 1999-11-01 |
| ABDIN, Romana | Director | 2013-07-01 | 2021-04-01 |
| ADAM, Ian Douglas | Director | — | 1999-03-31 |
| BALDWIN, Gil Talbot | Director | 2018-03-01 | 2023-08-18 |
| BARNARD, James Edward | Director | 2005-06-01 | 2009-06-16 |
| BEAVEN, Deborah Jane | Director | 2020-04-17 | 2021-11-10 |
| BELL, Peter Brittain | Director | 1992-03-17 | 2000-12-06 |
| BENJAMIN, Desmond | Director | 2000-03-14 | 2013-06-30 |
| BENNER, Patrick | Director | — | 1999-10-19 |
| BLACKER, Keith, Dr | Director | 2005-08-26 | 2009-04-09 |
| BROOKE, Timothy Tracy | Director | 2011-09-01 | 2016-10-01 |
| BUGGINS, Elisabeth Mary | Director | 2006-07-31 | 2013-06-11 |
| CASHMAN, John Prescott | Director | — | 2000-12-06 |
| CHILD, Alan Arthur | Director | — | 1992-03-17 |
| CLARK, Anthony Lewis Russell | Director | 2000-08-01 | 2006-12-31 |
| CRAWFORD, Ronald Herbert | Director | — | 1999-10-19 |
| DAMERELL, Arthur George Henry | Director | — | 1992-12-18 |
| DAY, Mark Peter Bolton | Director | 2000-08-29 | 2013-10-22 |
| DEACOCK, John Charles | Director | — | 1999-10-19 |
| ELLIOTT, John Anthony | Director | — | 2003-03-23 |
| FORD, Michael Herbert | Director | 1992-03-17 | 1999-10-19 |
| FULLER, Harry Ronald | Director | — | 1999-10-19 |
| GILLIES, Richard Simon | Director | 2020-02-03 | 2022-09-30 |
| HALE, Thomas George | Director | — | 1996-12-02 |
| HALL, Michael Andrew | Director | 2011-09-01 | 2025-06-18 |
| HARDY, Terence | Director | 2002-04-15 | 2012-06-12 |
| HARRIS, Richard John | Director | 2010-07-19 | 2020-06-30 |
| HARRISON, Christopher Michael | Director | 2002-05-28 | 2009-04-27 |
| HARVIE, Christopher James Evans | Director | 1999-11-01 | 2000-06-27 |
| HOWARD, Phillip Sydney | Director | — | 2001-12-03 |
| ISDELL-CARPENTER, Peter | Director | 2000-08-01 | 2004-06-07 |
| JOHNSON, Elizabeth Jane | Director | 2003-06-10 | 2004-06-07 |
| KENT, Benjamin David Jemphrey | Director | 2013-12-12 | 2018-10-05 |
| KHEMKA, Sneh, Dr | Director | 2021-04-01 | 2023-02-10 |
| LEMON, Carolyn Gay | Director | 1993-03-17 | 2005-06-06 |
| MALTBY, John Neil | Director | 2018-06-25 | 2021-06-10 |
| MAUDE, Ian Milton | Director | 2002-09-16 | 2013-10-22 |
| MUCH, Ian Fraser Robert | Director | 2005-01-01 | 2009-10-31 |
| PENNICOTT, Brian Thomas, General | Director | 1999-04-01 | 2008-12-09 |
| PIGGOTT, Kenneth Stanton | Director | 2005-01-01 | 2020-06-03 |
| PIKE, Alexandra Louise | Director | 2015-03-24 | 2019-02-15 |
| RAJGURU, Abhai | Director | 2006-11-28 | 2010-06-15 |
| RICHARDSON, Kerry Francis | Director | 2001-11-23 | 2011-06-14 |
| ROBINSON, Adeline | Director | — | 1992-03-17 |
| SKELTON, John Richard Vessey | Director | — | 1997-12-01 |
| SKINNER, Charles David | Director | 2001-02-05 | 2005-01-31 |
| SMITH, William Hill | Director | — | 1992-03-17 |
| STURROCK, Paul Trevor | Director | 1996-12-02 | 2000-12-06 |
| SUTHERLAND, Brian George | Director | — | 2003-06-03 |
| TICKNER, Valerie Joan | Director | 1993-01-18 | 1999-10-19 |
| WILSON, James Alexander | Director | 2011-06-14 | 2015-03-10 |
| WITT, Elizabeth Mary | Director | 1997-12-01 | 2001-12-03 |
| YOUNG, James Alfred | Director | 1999-11-01 | 1999-12-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Simplyhealth Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 267 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-31 | AA | accounts | Accounts with accounts type full | |
| 2026-05-05 | AP01 | officers | Appoint person director company with name date | |
| 2026-03-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-11-18 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-07-31 | CH01 | officers | Change person director company with change date | |
| 2025-07-31 | CH01 | officers | Change person director company with change date | |
| 2025-07-30 | CH01 | officers | Change person director company with change date | |
| 2025-07-30 | CH01 | officers | Change person director company with change date | |
| 2025-07-30 | CH01 | officers | Change person director company with change date | |
| 2025-07-23 | AA | accounts | Accounts with accounts type full | |
| 2025-06-26 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-03-18 | RP04CS01 | confirmation-statement | Second filing of confirmation statement with made up date | |
| 2025-03-18 | RP04CS01 | confirmation-statement | Second filing of confirmation statement with made up date | |
| 2025-03-18 | RP04CS01 | confirmation-statement | Second filing of confirmation statement with made up date | |
| 2025-03-10 | RP04CS01 | confirmation-statement | Second filing of confirmation statement with made up date | |
| 2025-03-10 | RP04CS01 | confirmation-statement | Second filing of confirmation statement with made up date | |
| 2025-03-07 | RP04CS01 | confirmation-statement | Second filing of confirmation statement with made up date | |
| 2025-03-04 | AP01 | officers | Appoint person director company with name date | |
| 2025-02-07 | RP04AR01 | annual-return | Second filing of annual return with made up date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 0
- Officers appointed
- 1
- 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.