BENEFACT TRUST LIMITED
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Cash
—
Latest balance sheet
Net assets
£821M
+2.4% highest in 3 filed years
Employees
2,381
+4.8% highest in 3 filed years
Profit before tax
£31M
+191.8% vs 2024
Net assets
3-year trend · vs Industrials 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 | — | £740,655,000 | £754,713,000 | +1.9% | |
| Net earned premiums | — | £379,407,000 | £385,200,000 | +1.5% | |
| Claims incurred | — | £304,128,000 | £310,944,000 | +2.2% | |
| Investment return | — | £31,558,000 | £49,520,000 | +56.9% | |
| Profit before tax | — | £10,470,000 | £30,556,000 | +191.8% | |
| Net profit | £18,447,000 | £15,000 | £17,769,000 | +118,360% | |
| Insurance contract liabilities | — | £1,367,009,000 | £1,406,543,000 | +2.9% | |
| Total assets | £2,267,351,000 | £2,355,867,000 | £2,443,344,000 | +3.7% | |
| Total liabilities | — | £1,554,432,000 | £1,622,655,000 | +4.4% | |
| Equity | £770,953,000 | £801,435,000 | £820,689,000 | +2.4% | |
| Average employees | 2,150 | 2,273 | 2,381 | +4.8% |
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 |
|---|---|---|---|---|
| Net margin | 2.5% | 0.0% | — | |
| Gearing (liabilities / total assets) | 66.0% | 66.0% | — | |
| Current ratio | 4.73x | 3.68x | — |
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
- BENEFACT TRUST LIMITED 2022-03-07 → present
- ALLCHURCHES TRUST LIMITED 1972-02-24 → 2022-03-07
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the groups and the parent charitable company’s ability to continue as a going concern for a period of at least twelve months from the date on which the financial statements are authorised for issue.”
Group structure
- BENEFACT TRUST LIMITED · parent
- Access Underwriting Limited 100%
- Benefact Broking & Advisory Holdings Limited 100%
- Benefact Group plc 100%
- Benefact Management Services Limited 100%
- Boshers Ltd 100%
- Cheviot Insurance Services Ltd 100%
- Clearbroking Ltd 100%
- Cleddau Holdings Limited
- Cleddau Insurance Services Limited
- De Novo Risk Solutions Limited 100%
Significant events
- “In 2025, the Trust awarded six grants to the value of £750,000 towards a number of crisis response initiatives including (i) £150,000 to Médecins Sans Frontières to support its Hepatitis C ‘test and treat’ campaign in Rohingya refugees camps, (ii) two grants of £150,000 each to British Red Cross to support emergency aid work in response to the earthquake in Myanmar and its partnership with the Palestine Red Crescent Society, (iii) £100,000 to WorldVision for their continuing humanitarian aid work in Sudan, (iv) £75,000 to Friends of the Holy Land to provide emergency support aimed at the small Christian community in Gaza and (v) £125,000 to Christian Aid to support their work in providing aid to those affected by the earthquake in Afghanistan.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
11 active · 34 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HALL, Rachael Jane | Secretary | 1995-06-30 | — | British |
| BROWN, Sarah Romilly Denner, Revd Canon | Director | 2025-03-04 | Mar 1965 | British |
| COCKREM, Denise Patricia | Director | 2024-10-01 | Nov 1962 | British |
| COOMBS, Caroline Kauslick | Director | 2024-05-02 | Jun 1959 | British,American |
| DAVIS, Paul Harold, Reverend | Director | 2020-03-29 | Mar 1957 | British |
| HENDERSON, Robert David Charles | Director | 2026-01-01 | Nov 1948 | British |
| LAMPORT, Stephen Mark Jeffrey, Sir | Director | 2026-01-01 | Nov 1951 | British |
| MOORE, Ian Keith, Dr | Director | 2023-06-22 | Nov 1965 | British |
| PATERSON, David Scott | Director | 2022-10-06 | Mar 1964 | British |
| RUDDEN, Patrick | Director | 2023-06-22 | Jan 1963 | British |
| SYKES, John Nicholas | Director | 2023-06-22 | Jul 1959 | British |
Show 34 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CLAYTON, Roger Ward | Secretary | 1995-06-30 | 2002-03-01 |
| WILLISCROFT, John Edwin | Secretary | — | 1995-05-01 |
| ARLINGTON, Michael | Director | 2014-09-08 | 2022-07-14 |
| ASSHETON, Nicholas, The Hon | Director | 2002-01-01 | 2007-12-31 |
| BANSZKY, Caroline Janet | Director | 2018-04-26 | 2024-04-26 |
| BOISSEAU, Francois-Xavier Bernard | Director | 2023-05-05 | 2025-12-31 |
| CARROLL, Timothy Joseph | Director | 2016-04-25 | 2025-12-31 |
| CHAMBERLAIN, Michael Aubrey | Director | 2006-12-05 | 2016-07-13 |
| CHRISTIE, David | Director | 2013-06-20 | 2016-02-08 |
| COOPER, Annette Joy, The Venerable | Director | 2008-04-21 | 2018-07-10 |
| CORNWALL JONES, Mark Ralph | Director | — | 2009-07-23 |
| DAY, Bernard Victor | Director | 1998-01-01 | 2004-01-26 |
| EVANS, Thomas Eric, The Very Reverend | Director | — | 1996-08-17 |
| HARRIS HUGHES, Howell Meirion | Director | 2004-06-10 | 2006-07-20 |
| HART, Harold Fraser | Director | 2004-04-27 | 2014-07-08 |
| HEDGES, Jane Barbara, The Very Revd | Director | 2017-10-17 | 2023-10-17 |
| HOMERSHAM, Susan Barbara Stanhope | Director | 1998-06-25 | 2003-12-31 |
| HUDSON, Stephen Charles | Director | 2016-01-01 | 2023-07-06 |
| LAMPORT, Stephen Mark Jeffrey, Sir | Director | 2020-03-05 | 2024-03-05 |
| LUND, Karen Belinda, Venerable | Director | 2018-04-26 | 2024-03-05 |
| MAGNUS, Laurence Henry Philip, Sir | Director | 2013-06-20 | 2022-07-14 |
| MAWER, Philip John Courtney, Sir | Director | 2010-06-23 | 2019-12-31 |
| MCLINTOCK, Charles Alan, Sir | Director | — | 2003-07-23 |
| MOULDER, Mr Chris | Director | 2019-05-10 | 2023-07-06 |
| SAMUEL, William Meredith, Mr | Director | 2009-09-02 | 2013-01-24 |
| SEALY, Nicholas John Elliot | Director | 2006-06-20 | 2013-07-04 |
| SMART, David Eynon | Director | 2021-03-11 | 2023-05-02 |
| SMITH, Christopher | Director | 2010-01-26 | 2018-07-10 |
| SNELGROVE, Donald George, The Rt Rev | Director | — | 2005-12-06 |
| SPENCER, Victor George, Viscount Churchill | Director | 1994-06-30 | 2006-12-31 |
| STOCK, William Nigel, Bishop | Director | 2006-12-05 | 2016-07-13 |
| WALTON, David Storry | Director | 2019-05-10 | 2019-11-07 |
| WILSON, Denise Pamela | Director | 2010-12-16 | 2018-07-10 |
| YATES, William Hugh | Director | 1997-01-09 | 2011-06-30 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 208 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-20 | AA | accounts | Accounts with accounts type group | |
| 2026-01-04 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-02 | AP01 | officers | Appoint person director company with name date | |
| 2025-12-31 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-31 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-15 | CH01 | officers | Change person director company with change date | |
| 2025-07-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-12 | AA | accounts | Accounts with accounts type group | |
| 2025-03-12 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-09 | AP01 | officers | Appoint person director company with name date | |
| 2024-07-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-05-20 | AA | accounts | Accounts with accounts type group | |
| 2024-05-09 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-30 | TM01 | officers | Termination director company with name termination date | |
| 2024-03-19 | TM01 | officers | Termination director company with name termination date | |
| 2024-03-18 | TM01 | officers | Termination director company with name termination date | |
| 2023-10-17 | TM01 | officers | Termination director company with name termination date | |
| 2023-07-12 | TM01 | officers | Termination director company with name termination date | |
| 2023-07-12 | TM01 | officers | Termination director company with name termination date | |
| 2023-07-10 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- Capital events
- 0
- Officers appointed
- 2
- 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.