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Cash

£18m

+15.2% highest in 3 filed years

Net assets

£7.1m

+68.4% highest in 3 filed years

Employees

94

-8.7% lowest in 3 filed years

Profit before tax

£3.8m

+206.9% highest in 3 filed years

Watchouts

Facts from the Companies House register and the latest accounts — not a rating

Accounts

3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31

Metric Trend 2023-12-312024-12-312025-12-31 Δ vs prior
Turnover £19,561,318£19,643,639£16,561,883 -15.7%
Operating profit -£5,621,450-£5,543,636-£5,456,011 +1.6%
Profit before tax -£5,670,925-£3,599,328£3,847,072 +206.9%
Net profit -£4,391,671-£2,744,354£2,879,893 +204.9%
Cash £13,864,377£15,191,589£17,501,968 +15.2%
Total assets less current liabilities £3,819,152£5,499,866£8,386,849 +52.5%
Net assets £2,452,516£4,208,162£7,088,055 +68.4%
Equity £2,452,516£4,208,162£7,088,055 +68.4%
Average employees 10310394 -8.7%
Wages £10,109,520£11,805,325£10,754,597 -8.9%
Directors' remuneration £1,059,000£1,550,000£1,619,000 +4.5%
Directors' pension contributions £18,000£37,000£56,000 +51.4%
Highest paid director £368,000£497,000£429,000 -13.7%

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 2023-12-312024-12-312025-12-31
Operating margin -28.7%-28.2%-32.9%
Net margin -22.5%-14.0%17.4%
Return on capital employed -147.2%-100.8%-65.1%
Gearing (liabilities / total assets) 88.1%80.6%69.4%
Current ratio 1.22x1.33x1.56x
Interest cover -99.54x

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 4 times since incorporation

  1. MUNICH RE SPECIALTY INSURANCE (UK) LIMITED 2021-12-29 → present
  2. NMU (SPECIALTY) LTD 2018-03-07 → 2021-12-29
  3. NORTHERN MARINE UNDERWRITERS LIMITED 1982-08-26 → 2018-03-07
  4. NAIRNE, BAVIN & CO. LIMITED 1976-12-31 → 1982-08-26
  5. ALBISTAN LIMITED 1976-06-11 → 1976-12-31

Audit & accounting basis

Accounting basis
FRS 102
Reporting scope
Standalone (parent only)
Auditor
Ernst & Young LLP
Audit opinion
Unqualified (clean)
Going concern
Affirmed

“On the basis of this financial position and the liquidity of its assets, the directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future, being at least 12 months from the date of the approval of the financial statements. The directors continue to adopt the going concern basis in preparing the financial statements.”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

People

7 active · 42 resigned

Name Role Appointed Born Nationality
ZAREMBA, Constance Secretary 2023-07-28
ATKINSON, Neil Gordon Director 2025-06-09 Dec 1974 British
CHAMPION, Danielle Lucy Director 2023-11-07 Aug 1978 British
HALIL, Mehmet Director 2025-06-09 Feb 1984 British
NAUJOKS, Marcel Bruno, Dr Director 2023-09-08 Oct 1979 German
SINCLAIR, Silvi Wompa Director 2024-09-23 Dec 1978 Swedish
SMITH, Guy Alan Director 2024-09-05 Feb 1975 British
Show 42 resigned officers
Name Role Appointed Resigned
DICKINSON, Patricia Secretary 1994-09-01 2016-03-15
FAIRBAIRN, Lisa Michelle Secretary 2018-05-11 2023-07-28
LIMB, Nicholas Secretary 2016-03-15 2018-05-11
PALLOT, Hugh Glenn (Resigned 22/2/91) Secretary 1991-02-22
SHEEHY, John Gerrard Joseph Secretary 1992-04-11 1994-08-31
ARTMANN, Thomas Eduard Director 2015-11-16 2025-12-31
ATTWOOD, Rhonda Joanne Director 2021-10-06 2023-07-14
BALL, Colin Stephen Director 1999-03-08 2017-10-01
BAVIN, Alan Richard Director 1991-02-22
BURDIN, John George Director 1996-08-30
BURGESS, Charles Anthony Edward Director 2023-07-01 2023-09-18
BURGESS, Charles Anthony Edward Director 2016-11-17 2022-12-31
CABRERA, Elizabeth Director 2025-01-21 2025-10-10
CLINTON, Mark Director 2022-01-05 2025-02-24
COSKUN, Timur Director 2003-03-06 2024-12-31
DOBBY, Leslie Neil Director 2016-01-01
FLAXMAN, Hannah Jane Director 2023-03-30 2025-05-19
FROST (RESIGNED 22/2/91), Anthony William Director 1991-02-22
GRANDE, Roderic William Ricardo Director 1999-03-08 2015-06-04
GUELFAND, Greg Director 2017-09-25 2021-03-25
HILL, Gareth Kim Director 2023-07-14 2025-06-08
HISCOE, Paul David Director 2023-06-01 2025-03-31
HISCOE, Paul David Director 2016-01-01 2021-12-31
HOARE, Dominick James Rolls Director 2022-01-05 2024-09-05
HOARE, Dominick James Rolls Director 2015-11-18 2017-09-25
LAY, Alexander Stephan Director 2022-02-24 2022-06-30
LECKIE, John Gordon Director 2023-06-01 2024-11-13
LIMB, Nicholas Director 2016-01-01 2020-12-31
MANN, Edward William (Resigned 31/12/90) Director 1990-12-31
MCADAMS, Robert Director 2022-01-05 2024-09-05
MCCLEAN, Duncan Thomas Director 2016-01-01 2021-12-31
NAUJOKS, Marcel Bruno, Dr Director 2021-05-01 2021-12-31
O'DWYER, Anthony Aidan Director 2017-09-25 2022-01-11
OSMAN, Levent Atay Director 2022-04-04 2025-11-06
PERFECT, David Antony Director 2000-06-02 2023-07-04
RIORDAN, Eamonn Patrick Director 2015-11-13 2017-09-25
RIORDAN, Eamonn Patrick Director 2000-06-02 2002-08-16
SAH, Gaurav Director 2025-03-31 2026-03-31
SHEEHY, John Gerrard Joseph Director 2015-09-04
SIMSON, Christopher Director 2020-06-17 2023-08-01
WATKINS, Mark Christopher Director 1999-03-08 2016-04-21
WILKINSON, John Curt Director 2015-11-17 2017-09-25

Ownership

Persons with significant control

Name Kind Nature of control Notified Status
Munich Re Specialty Group Limited Corporate entity Shares 75–100%, Voting 75–100%, Appoints directors 2019-06-05 Active
Mr Charles Anthony Edward Burgess Individual Significant influence 2017-11-16 Ceased 2019-06-05
Mr John Curt Wilkinson Individual Significant influence 2016-09-01 Ceased 2017-09-25

Filing timeline

Last 20 of 246 total filings

Date Type Category Description
2026-08-05 AA accounts Accounts with accounts type full
2026-06-19 CS01 confirmation-statement Confirmation statement with no updates PDF
2026-04-07 TM01 officers Termination director company with name termination date PDF
2026-01-05 TM01 officers Termination director company with name termination date PDF
2025-11-12 TM01 officers Termination director company with name termination date PDF
2025-10-21 TM01 officers Termination director company with name termination date PDF
2025-09-16 AA accounts Accounts with accounts type full
2025-06-20 AP01 officers Appoint person director company with name date PDF
2025-06-15 CS01 confirmation-statement Confirmation statement with updates PDF
2025-06-13 AP01 officers Appoint person director company with name date PDF
2025-06-13 TM01 officers Termination director company with name termination date PDF
2025-05-22 TM01 officers Termination director company with name termination date PDF
2025-04-04 TM01 officers Termination director company with name termination date PDF
2025-04-04 AP01 officers Appoint person director company with name date PDF
2025-03-12 TM01 officers Termination director company with name termination date PDF
2025-02-13 AP01 officers Appoint person director company with name date PDF
2025-01-03 TM01 officers Termination director company with name termination date PDF
2024-12-18 SH01 capital Capital allotment shares PDF
2024-11-14 TM01 officers Termination director company with name termination date PDF
2024-10-07 TM01 officers Termination director company with name termination date PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
7

last 12 months

Capital events
1

last 24 months

Officers appointed
0

last 12 months

Officers resigned
4

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.

Official Companies House page