HARTFORD UNDERWRITING AGENCY LIMITED
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Cash
£136K
-77.4% vs 2024
Net assets
£7.6M
+3% vs 2024
Employees
—
Average over period
Profit before tax
£232K
+236.2% first positive since 2024
Net assets
3-year trend · vs Financials 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 |
|---|---|---|---|---|---|
| Turnover | £6,579,506 | £7,180,000 | £8,080,000 | +12.5% | |
| Operating profit | £826,149 | £170,215 | £26,590 | -84.4% | |
| Profit before tax | £528,962 | -£170,107 | £231,743 | +236.2% | |
| Net profit | £520,168 | -£177,317 | £225,831 | +227.4% | |
| Cash | £12,405 | £600,099 | £135,697 | -77.4% | |
| Total assets less current liabilities | £14,584,369 | £7,407,052 | £7,632,883 | +3% | |
| Net assets | £14,584,369 | £7,407,052 | £7,632,883 | +3% | |
| Equity | £14,584,369 | £7,407,052 | £7,632,883 | +3% | |
| Average employees | — | — | — | — | |
| Wages | — | — | — | — | |
| Directors' remuneration | £322,000 | £385,000 | £407,000 | +5.7% |
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 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 12.6% | 2.4% | 0.3% | |
| Net margin | 7.9% | -2.5% | 2.8% | |
| Return on capital employed | 5.7% | 2.3% | 0.3% | |
| Gearing (liabilities / total assets) | — | 13.0% | 4.3% | |
| Current ratio | 3.04x | 7.67x | 22.04x |
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
- HARTFORD UNDERWRITING AGENCY LIMITED 2023-02-15 → present
- NAVIGATORS UNDERWRITING AGENCY LIMITED 2001-04-25 → 2023-02-15
- MANDER THOMAS & COOPER (UNDERWRITING AGENCIES) LIMITED 1978-12-31 → 2001-04-25
- NEVRUS TEN LIMITED 1978-07-27 → 1978-12-31
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“having assessed the principal risks set out in the Strategic Report and having made enquiries, the Directors have a reasonable expectation that the Company and Syndicate both have adequate resources to continue in operational existence for the foreseeable future.”
Group structure
- HARTFORD UNDERWRITING AGENCY LIMITED · parent
- Millennium Underwriting Limited 100%
- Navigators Underwriting Limited 100%
- Hartford Singapore Pte Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 47 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BACH III, Carl Lee | Director | 2011-08-30 | Sep 1975 | American |
| BASSETT JR., Clay Henry | Director | 2025-03-27 | Apr 1965 | American |
| DARFOOR, Andrew Atta | Director | 2021-07-01 | Mar 1974 | British |
| FARRER, Neil James | Director | 2019-04-04 | Jun 1979 | British |
| GARLAND, Denise | Director | 2021-07-01 | Feb 1974 | British |
| HUNT, Donald Christian | Director | 2025-11-12 | Feb 1970 | American |
| SULLIVAN, Martin John | Director | 2015-03-24 | Jul 1954 | British |
Show 47 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BAMBURY, Michael | Secretary | 2011-06-01 | 2011-08-30 |
| HEDGES, Jacqueline | Secretary | 1996-12-31 | 2009-01-27 |
| HILLERY, Kathryn Jill | Secretary | 2009-04-13 | 2011-05-06 |
| LUCK, Steven John | Secretary | 2009-02-06 | 2009-04-13 |
| SAVAGE, Susan | Secretary | — | 1996-12-31 |
| WALSH, Hugh Francis | Secretary | 2011-08-30 | 2015-02-26 |
| ZOBEL, Alison Jane | Secretary | 2016-05-10 | 2018-02-20 |
| ABDALLAH, Michael Joseph | Director | 1998-01-02 | 1999-01-25 |
| BARDWELL, Richard Paxton | Director | 2005-07-01 | 2016-12-30 |
| BASSETT JR, Henry Clay | Director | 2008-05-07 | 2019-06-21 |
| BLAKENEY, Henry John Mervyn | Director | 1993-08-05 | 2010-12-31 |
| BUSBY, Caroline Lucy | Director | 2014-05-20 | 2015-04-10 |
| CAMERON, Angus Kenneth | Director | 2011-08-30 | 2013-09-26 |
| CASELLA, Michael James | Director | 2016-08-25 | 2019-03-15 |
| COOPER, John Anthony | Director | — | 2002-06-30 |
| COWARD, Stephen Richard | Director | 2005-07-01 | 2017-07-28 |
| DAVENPORT, Paul Jonathan | Director | 2016-08-09 | 2018-10-05 |
| DAYER, Philip John | Director | 2009-06-30 | 2014-12-31 |
| DEEKS, Terence Norman | Director | 1998-01-02 | 2002-03-21 |
| DEFALCO, Ciro Michael | Director | 2014-10-28 | 2019-06-21 |
| DINGLEY, Colin Trevor | Director | 1996-12-11 | 2006-10-25 |
| DUCA, Christopher | Director | 2006-02-08 | 2011-08-30 |
| FISHER, Michael Ross | Director | 2019-07-02 | 2024-10-01 |
| FOSTER, Alexander Neil | Director | 2009-10-02 | 2015-12-31 |
| GALANSKI, Stanley Adam | Director | 2001-06-05 | 2019-06-21 |
| GENDEN, Sean Mitchell | Director | 2020-05-14 | 2020-08-27 |
| HEDGES, Jacqueline | Director | 2001-02-06 | 2009-01-27 |
| HENNESSY, Paul Vladimir | Director | 2008-10-15 | 2015-12-31 |
| HOPE, David Emil | Director | 2002-03-21 | 2006-10-23 |
| JOHNSON, Geoffrey Edwin | Director | 2011-07-01 | 2022-06-30 |
| JOHNSON, Russell John | Director | 1999-08-03 | 2001-06-05 |
| KELLY, Paul, Dr | Director | 1993-12-08 | 2009-06-30 |
| KIRBY, Dominic James | Director | 2001-08-07 | 2007-05-31 |
| LILLINGTON, Tracey Olivia | Director | 2007-10-24 | 2009-12-18 |
| LOONE, Nicole Lesley | Director | 2010-05-19 | 2011-04-21 |
| MANDER, Colin John | Director | — | 2000-12-31 |
| MCKENNA, Michael James | Director | 2019-07-02 | 2020-05-14 |
| OUTHWAITE, Richard Henry Moffitt | Director | — | 1993-08-05 |
| ROBINSON, David Campbell | Director | 2021-09-14 | 2024-03-01 |
| SAVAGE, Susan | Director | — | 1996-12-31 |
| SHORT, Colin Douglas | Director | 2015-06-19 | 2021-06-30 |
| SONI, Deepa | Director | 2024-10-25 | 2025-03-27 |
| SOTHINATHAN, Printhan | Director | 2015-07-21 | 2016-06-30 |
| SPROTT, Colin Douglas | Director | 2013-12-11 | 2026-02-26 |
| STEWART, Ian Philip | Director | — | 2007-11-22 |
| THOMAS, Stephen Lionel | Director | — | 2000-12-31 |
| TIZZIO, Vincent Christopher | Director | 2019-03-15 | 2021-07-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Navigators Holdings (Uk) Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 238 total filings
Material constitutional events — rename, articles re-file, resolution
- 2023-02-15 CERTNM Certificate change of name company
- 2023-02-15 NM06 Change of name request comments
- 2023-02-15 CONNOT Change of name notice
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-05 | AA | accounts | Accounts with accounts type full | |
| 2026-03-03 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-27 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-19 | AA | accounts | Accounts with accounts type full | |
| 2025-04-02 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-31 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-12 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-14 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-23 | AA | accounts | Accounts with accounts type full | |
| 2024-03-05 | TM01 | officers | Termination director company with name termination date | |
| 2023-10-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-18 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-05-12 | AA | accounts | Accounts with accounts type full | |
| 2023-02-15 | CERTNM | change-of-name | Certificate change of name company | |
| 2023-02-15 | NM06 | change-of-name | Change of name request comments | |
| 2023-02-15 | CONNOT | change-of-name | Change of name notice | |
| 2022-10-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-07-01 | 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
- 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.