FAIRMEAD INSURANCE LIMITED
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-11-17 (in 6mo)
Last made up 2025-11-03
Watchouts
None on the register
Cash
—
Latest balance sheet
Net assets
—
Equity attributable
Employees
—
Average over period
Profit before tax
-£2M
Period ending 2025-12-31
Profit before tax
2-year trend · vs Financials median
FAIRMEAD INSURANCE LIMITED·Financials median
FAIRMEAD INSURANCE LIMITED·Financials median
FAIRMEAD INSURANCE LIMITED·Financials median
FAIRMEAD INSURANCE LIMITED·Financials median
FAIRMEAD INSURANCE LIMITED·Financials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-09-30 | 2025-12-31 |
|---|---|---|---|
| Gross written premiums | £789,000 | £375,000 | |
| Net earned premiums | £20,000 | -£15,779,000 | |
| Claims incurred | £4,293,000 | £12,154,000 | |
| Investment return | -£670,000 | £1,250,000 | |
| Profit before tax | -£9,475,000 | -£2,325,000 | |
| Net profit | -£6,972,000 | -£1,696,000 | |
| Insurance contract liabilities | £65,549,000 | £38,916,000 | |
| Total assets | £116,764,000 | £76,610,000 | |
| Total liabilities | £74,932,000 | £55,898,000 | |
| Equity | £41,832,000 | £20,712,000 | |
| Average employees | — | — |
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
Year-on-year
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-09-30
Year-on-year comparison hidden: this filing covers about 15 months versus 12 months prior.
Name history
Renamed 2 times since incorporation
- FAIRMEAD INSURANCE LIMITED 2020-01-03 → present
- LEGAL & GENERAL INSURANCE LIMITED 1991-12-09 → 2020-01-03
- BRITISH COMMONWEALTH INSURANCE COMPANY LIMITED 1946-11-19 → 1991-12-09
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- BDO LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“These Financial Statements have been prepared on a going concern basis. The Company has capital in excess of the minimum regulatory requirements. In addition, the Board has reviewed the Company's forecasts for the next 12 months and beyond. The Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for at least 12 months from the reporting date of the Financial Statements.”
Group structure
- FAIRMEAD INSURANCE LIMITED · parent
- Buddies Enterprises Limited
Significant events
- “During the year the Company changed its Accounting Reporting Date to 31 December to align with all other Allianz UK companies.”
- “The Company ceased underwriting business on 31 March 2023 having migrated Household business to LVIC and HICO and Pet business to AZI.”
- “The Directors' approved a share capital reduction of £37,000k, which transferred into retained earnings, leaving share capital of £1. Subsequently a dividend of £20,000k was paid.”
- “From 1 January 2025, the Company entered into a LPT treaty with Allianz Re, covering the remaining 50.0% of the net outstanding claims reserves.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 70 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| TWEMLOW, Christopher Mcgowan | Secretary | 2021-02-01 | — | — |
| DIFFEY, Stuart | Director | 2024-09-01 | Jul 1975 | British |
| RUF, Michael Franz | Director | 2025-12-01 | Mar 1984 | German |
| TOPHAM, Henry | Director | 2024-05-01 | Jun 1973 | British |
Show 70 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| AYER, Vijay Subramanyam | Secretary | — | 1993-08-23 |
| CARSON, Clare Frances | Secretary | 2001-01-01 | 2002-10-01 |
| DAVIES, Claire Anne, Miss. | Secretary | 2008-03-20 | 2008-08-27 |
| DAVIES, Claire Anne | Secretary | 2005-09-01 | 2007-07-05 |
| DOCKRELL, Carol Ann | Secretary | 1996-07-15 | 2001-01-01 |
| FORSTER, Helen | Secretary | 2007-07-05 | 2008-03-20 |
| JACK-KEE, Robin Christian | Secretary | 2020-01-01 | 2021-02-01 |
| LATZELSBERGER, Edan | Secretary | 2009-07-22 | 2011-04-21 |
| MISTRY, Meera | Secretary | 2002-10-01 | 2005-09-01 |
| MORRIS, Claire Rachel | Secretary | 2008-08-27 | 2009-07-22 |
| SMITH, Thomas Andrew Forwood | Secretary | 1993-08-23 | 1996-07-15 |
| LEGAL & GENERAL CO SEC LIMITED | Corporate Secretary | 2011-04-21 | 2019-12-31 |
| AGIUS, Cheryl Margaret | Director | 2017-04-25 | 2019-07-31 |
| AVERY, Catherine Rosemary Reid | Director | 2001-01-01 | 2006-08-10 |
| BALDOCK, Henrietta Caroline | Director | 2018-12-10 | 2019-12-31 |
| BLACKBURN, Michael Stewart | Director | 2022-01-20 | 2022-12-31 |
| BUCKLEY, Diane | Director | 2013-07-25 | 2013-11-21 |
| BYRNE, Russell John | Director | 2012-07-03 | 2015-09-10 |
| CASTAGNO, John | Director | 1999-12-02 | 2003-02-03 |
| CHRISTIE, Edward | Director | — | 1998-08-15 |
| COOPER, Malcolm John | Director | 2008-12-08 | 2011-11-21 |
| COWELL, Julia | Director | 2020-01-01 | 2021-11-12 |
| CRANE, Michael Paul | Director | 2020-01-01 | 2024-04-30 |
| DALE, Jane Elizabeth | Director | 2005-08-18 | 2007-12-21 |
| DAWSON, Andrew James | Director | 2004-07-21 | 2008-07-31 |
| DIXON, Mark James | Director | 2023-11-07 | 2024-08-31 |
| EDMONDS, Paul Michael | Director | 2005-10-03 | 2008-07-31 |
| FINCH, Duncan Alistair, Mr | Director | 2011-02-15 | 2016-12-31 |
| FLOOD, Deirdre | Director | 2015-05-07 | 2016-12-31 |
| GLEN, Paul Edward | Director | 1998-09-25 | 2000-02-18 |
| GORDON, James Drummond Adams | Director | 1998-09-25 | 2001-07-17 |
| GRAHAM, Peter John | Director | 2008-04-23 | 2011-01-27 |
| HARRY, Stephen Paul | Director | 2011-02-21 | 2012-04-27 |
| HOBSON, Anthony John | Director | 1992-12-10 | 1998-09-25 |
| HOLWEGER, Mark | Director | 2012-04-19 | 2018-02-23 |
| HOSKIN, Gareth John | Director | 1999-09-24 | 2000-12-31 |
| HOTSON, Matthew James | Director | 2006-11-01 | 2010-04-20 |
| HOWARD, Geoffrey | Director | 2009-03-06 | 2011-02-22 |
| HYDE, John Andrew | Director | 2014-05-21 | 2017-11-02 |
| KENNEDY, Philip Anthony | Director | 2008-02-26 | 2010-09-14 |
| KNIGHT, Christopher James | Director | 2012-08-21 | 2015-05-07 |
| LANGE, Ulf, Dr | Director | 2023-07-01 | 2025-11-30 |
| LAWLER, Michael Anthony | Director | 2005-10-27 | 2013-11-21 |
| MARTIN, Karan | Director | 2014-04-24 | 2017-04-19 |
| NEWNHAM, Peter Edward | Director | 2000-05-24 | 2001-02-28 |
| NICKSON, John | Director | 2012-04-26 | 2014-03-31 |
| NOONE, Martin Charles | Director | 2014-06-20 | 2016-12-31 |
| PALMER, Andrew William | Director | 1998-09-25 | 1999-08-20 |
| PENNEY, Lawrence Kevin | Director | 2001-02-28 | 2005-10-27 |
| PHIPPS, Robin Ashley | Director | 2001-01-01 | 2006-08-30 |
| PICKERING, Gary Lewis | Director | 2010-06-08 | 2011-02-22 |
| POLLACK, Simon | Director | 2018-01-29 | 2019-12-31 |
| POLLOCK, John Brackenridge | Director | 2006-08-10 | 2014-12-31 |
| POLLOCK, John Brackenridge | Director | 2001-01-01 | 2003-12-11 |
| POLLOCK, John Brackenridge | Director | 1998-09-25 | 1999-07-26 |
| PROSSER, David John | Director | 1992-12-10 | 2000-12-31 |
| RAYNOR, Pamela Rose | Director | — | 1996-11-29 |
| REGAN, Robert Andrew | Director | 2012-06-26 | 2014-01-17 |
| RICHMOND, Peter James | Director | 2000-09-22 | 2007-02-02 |
| ROUGH, David | Director | 1993-10-12 | 2002-03-31 |
| SANDERS, Oliver Marc | Director | 2014-10-16 | 2015-12-31 |
| SEWELL, Robert Peter | Director | 2001-06-06 | 2007-03-27 |
| SKELTON, Garry Paul | Director | 2007-11-21 | 2010-06-30 |
| TRELOAR, Stephen | Director | 2020-01-01 | 2023-06-30 |
| VINEY, Ian Douglass | Director | 2003-02-03 | 2005-08-18 |
| WEBB, Anura Mahinda | Director | 2008-07-29 | 2011-12-13 |
| WELCH, Stuart George | Director | 2016-03-02 | 2017-06-21 |
| WENZEL, Kevin Peter | Director | 2021-04-19 | 2023-09-14 |
| WHITEHOUSE, Andrew Peter | Director | 1998-09-25 | 2000-05-24 |
| WREN-KIRKHAM, Christopher James | Director | 2017-03-30 | 2021-04-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Liverpool Victoria General Insurance Group Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2020-01-01 | Active |
| Allianz Holdings Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2019-12-31 | Ceased 2020-10-08 |
| Legal And General Assurance Society Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2020-03-04 |
Filing timeline
Last 20 of 330 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-12-12 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-08 | AD03 | address | Move registers to sail company with new address | |
| 2026-05-08 | AD02 | address | Change sail address company with old address new address | |
| 2026-04-29 | AA | accounts | Accounts with accounts type full | |
| 2026-01-08 | CH01 | officers | Change person director company with change date | |
| 2025-12-12 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2025-12-12 | SH20 | capital | Legacy | |
| 2025-12-12 | CAP-SS | insolvency | Legacy | |
| 2025-12-12 | RESOLUTIONS | resolution | Resolution | |
| 2025-12-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-08 | AP01 | officers | Appoint person director company with name date | |
| 2025-11-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-02-24 | AA01 | accounts | Change account reference date company current extended | |
| 2025-01-06 | AA | accounts | Accounts with accounts type full | |
| 2024-11-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-09-12 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-02 | TM01 | officers | Termination director company with name termination date | |
| 2024-06-07 | AD03 | address | Move registers to sail company with new address | |
| 2024-06-04 | AD02 | address | Change sail address company with new address | |
| 2024-05-14 | AP01 | officers | Appoint person director company with name date | |
| 2024-05-10 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 11
- Capital events
- 2
- Officers appointed
- 1
- Officers resigned
- 1
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.