HARDY (UNDERWRITING AGENCIES) LIMITED
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Cash
£4.3M
+9.5% vs 2024
Net assets
£4.4M
+7.7% vs 2024
Employees
—
Average over period
Profit before tax
£377K
+8.6% vs 2024
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|
| Turnover | £285,000 | £285,000 | 0% | |
| Operating profit | £250,000 | £236,000 | -5.6% | |
| Profit before tax | £347,000 | £377,000 | +8.6% | |
| Net profit | £291,000 | £317,000 | +8.9% | |
| Cash | £3,967,000 | £4,345,000 | +9.5% | |
| Total assets less current liabilities | £4,118,000 | £4,435,000 | +7.7% | |
| Net assets | £4,118,000 | £4,435,000 | +7.7% | |
| Equity | £4,118,000 | £4,435,000 | +7.7% | |
| Average employees | — | — | — | |
| Wages | — | — | — | |
| Directors' remuneration | — | — | — |
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 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating margin | 87.7% | 82.8% | |
| Net margin | 102.1% | 111.2% | |
| Return on capital employed | 6.1% | 5.3% | |
| Gearing (liabilities / total assets) | 0.0% | 0.0% | |
| Current ratio | 87.91x | 395.64x |
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
- HARDY (UNDERWRITING AGENCIES) LIMITED 1977-12-31 → present
- GASHWHEEL LIMITED 1976-06-21 → 1977-12-31
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- BDO LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the Directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate. 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 Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”
Significant events
- “The Company continues to monitor the developing events in the Middle East and their impact on inflation, investment valuations as we all other factors which may have an impact on Syndicate 382. At this stage, the Board does not believe there will be a material impact on the operations of the Company or Syndicate 382.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
10 active · 43 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HARRIES, Camilla Louise | Secretary | 2025-02-26 | — | — |
| KEARNEY, Carl Anthony | Director | 2015-05-08 | May 1972 | Irish |
| LINDQUIST, Scott Robert | Director | 2023-11-30 | Sep 1963 | American |
| NARDIELLO, Michael Anthony | Director | 2025-04-10 | Sep 1970 | American |
| POSSELL, Jane Elizabeth | Director | 2025-04-10 | Nov 1972 | American |
| REHMAN, Jalil Ur | Director | 2018-12-06 | Mar 1964 | British |
| SKEELS, Lisa Ann | Director | 2024-02-02 | Mar 1966 | British |
| STEVENS, David John | Director | 2013-12-19 | Jul 1963 | British |
| THOMSON, Robert | Director | 2016-12-01 | May 1955 | British |
| WOOD, Simon Vincent | Director | 2022-08-30 | May 1967 | British |
Show 43 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| FITZPATRICK, Claire | Secretary | 2017-05-04 | 2018-08-31 |
| HUTCHINGS, Theresa | Secretary | — | 2013-09-30 |
| ABBOTT, Richard David | Director | 2008-02-20 | 2012-10-26 |
| ANDERSON, James Michael | Director | 2015-09-10 | 2020-02-25 |
| BARKER, John Edward Gerald | Director | 2004-02-26 | 2008-12-31 |
| BROSNAN, David John | Director | 2014-02-19 | 2020-08-31 |
| CRUWYS, Rhodri David | Director | 2010-02-23 | 2012-10-26 |
| D'HULSTER, Anna Maria Louisa Andrea | Director | 2014-07-01 | 2022-07-17 |
| DEVEREESE, Bernard George | Director | 2001-09-13 | 2012-10-26 |
| DUNNING, David Victor | Director | 2000-08-21 | 2002-09-30 |
| EVERNDEN, Peter Leonard | Director | — | 1992-05-31 |
| GAGE, Patrick James | Director | 2006-09-07 | 2018-12-12 |
| GATES, Sean Spencer James | Director | 2004-01-01 | 2005-12-31 |
| GONZALEZ, Jose Ramon | Director | 2020-03-31 | 2021-03-05 |
| GRIFFIN, Timothy Paul | Director | 2001-07-02 | 2012-10-26 |
| HAMER, Phillip John | Director | 2018-12-03 | 2023-11-30 |
| HARDY, Peter Willes | Director | — | 2004-07-31 |
| HUTCHINGS, Theresa | Director | — | 2012-10-26 |
| IVORY, Ian Eric | Director | 2006-12-22 | 2012-10-26 |
| MABEY, Colin Guy | Director | 1993-02-18 | 1997-12-31 |
| MACDIARMID, James David | Director | 2003-04-02 | 2013-12-19 |
| MANN, David Preston | Director | 2004-11-18 | 2013-11-07 |
| MENSE, Donald Craig | Director | 2012-10-26 | 2015-09-10 |
| MERRY, Barbara Jane | Director | 2002-01-17 | 2014-02-18 |
| MOTAMED, Thomas Firouz | Director | 2012-10-26 | 2017-03-13 |
| PARKER, Ian David | Director | 2012-01-01 | 2012-06-20 |
| PONTARELLI, Thomas | Director | 2012-10-26 | 2015-09-10 |
| SANTAMBROGIO, Luigi | Director | 1996-11-27 | 2006-12-22 |
| SIMPSON, Matthew John | Director | 1995-12-05 | 2012-10-26 |
| STARLING, Gary James | Director | 2012-10-26 | 2017-09-07 |
| STONE, Susan Ann | Director | 2021-12-02 | 2025-04-10 |
| SUGDEN, Mervyn Terence Arthur | Director | — | 2012-10-26 |
| SZERLONG, Timothy James | Director | 2015-06-30 | 2017-12-31 |
| THOMAS, Barbara | Director | 2008-02-20 | 2013-04-18 |
| THOMAS, Heather Irene | Director | 2013-07-10 | 2021-04-30 |
| WADMAN, Stephen Noel | Director | — | 2002-01-29 |
| WALKER, Adrian Jeremy | Director | 2000-04-13 | 2011-05-17 |
| WALLER, Michael Frank | Director | — | 1996-10-31 |
| WELDON, Steuart William Pratchitt | Director | — | 2001-06-30 |
| WILLIAMS, Anthony David | Director | 2018-12-04 | 2021-12-03 |
| WILLIAMS, Anthony David | Director | 2006-09-07 | 2012-10-26 |
| WILLS, Richard Frederick De Leigh | Director | — | 1998-12-31 |
| WORMAN, Douglas Merle | Director | 2017-09-07 | 2025-04-10 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Cna Financial Corporation | Corporate entity | Shares 75–100%, Voting 75–100% | 2020-01-13 | Active |
| Hardy Underwriting Bermuda Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2019-12-13 | Ceased 2020-01-13 |
| Hardy Underwriting Group Plc | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Ceased 2019-12-13 |
Filing timeline
Last 20 of 247 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-27 | CH01 | officers | Change person director company with change date | |
| 2026-05-12 | AA | accounts | Accounts with accounts type full | |
| 2025-11-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-25 | TM01 | officers | Termination director company with name termination date | |
| 2025-04-25 | AA | accounts | Accounts with accounts type full | |
| 2025-04-16 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-16 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-16 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-12 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-01-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-11-05 | CH01 | officers | Change person director company with change date | |
| 2024-04-14 | AA | accounts | Accounts with accounts type full | |
| 2024-02-06 | AP01 | officers | Appoint person director company with name date | |
| 2024-01-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-12-06 | AP01 | officers | Appoint person director company with name date | |
| 2023-12-06 | TM01 | officers | Termination director company with name termination date | |
| 2023-03-07 | AA | accounts | Accounts with accounts type full | |
| 2023-01-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-08-31 | AP01 | officers | Appoint person director company with name date | |
| 2022-07-18 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- Officers appointed
- 0
- 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.