ACORN INSURANCE AND FINANCIAL SERVICES LIMITED
Get an alert when ACORN INSURANCE AND FINANCIAL SERVICES LIMITED files next
Leroy will email you the moment a new filing lands at Companies House — one short note per filing, nothing else.
Cash
£21m
+3.7% highest in 3 filed years
Net assets
£43m
+12.5% highest in 3 filed years
Employees
1,783
+23.6% highest in 3 filed years
Profit before tax
£60m
+125.9% highest in 3 filed years
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 | £87,049,396 | £114,583,171 | £177,751,263 | +55.1% | |
| Operating profit | £11,579,219 | £21,117,144 | £53,243,704 | +152.1% | |
| Profit before tax | £14,278,500 | £26,766,128 | £60,459,990 | +125.9% | |
| Net profit | £13,716,458 | £22,302,522 | £50,945,324 | +128.4% | |
| Cash | £17,976,196 | £20,647,218 | £21,417,550 | +3.7% | |
| Total assets less current liabilities | — | £52,556,771 | £43,733,508 | -16.8% | |
| Net assets | £30,599,926 | £38,102,448 | £42,847,772 | +12.5% | |
| Equity | £30,599,926 | £38,102,448 | £42,847,772 | +12.5% | |
| Average employees | 1,126 | 1,442 | 1,783 | +23.6% | |
| Wages | £34,373,638 | £45,131,125 | £60,232,182 | +33.5% | |
| Directors' remuneration | £1,603,367 | £1,996,167 | £1,888,591 | -5.4% | |
| Directors' pension contributions | £75,881 | £54,300 | £99,763 | +83.7% | |
| Highest paid director | £501,183 | £501,183 | £683,412 | +36.4% |
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 | 13.3% | 18.4% | 30.0% | |
| Net margin | 15.8% | 19.5% | 28.7% | |
| Return on capital employed | — | 40.2% | 121.7% | |
| Gearing (liabilities / total assets) | 90.3% | 89.5% | 89.2% | |
| Current ratio | 1.22x | 1.15x | 1.10x | |
| Interest cover | 0.62x | 0.83x | 2.05x |
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
- ACORN INSURANCE AND FINANCIAL SERVICES LIMITED 1982-10-18 → present
- CORNVALE LIMITED 1982-05-18 → 1982-10-18
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Grant Thornton (NI) LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“This modelling does not suggest any significant impacts to the capital base and shows that the company will continue to operate profitably whilst importantly continue to be able to meet its financial obligations.”
Significant events
- “In November 2025, the Acorn group underwent a restructure as part of the refinancing of its senior debt facility. As part of the restructure, the company's parent company Granite Holdings One Limited, became a direct subsidiary of fellow Acorn group subsidiary, Pine Hill Holdings Limited, a holding company based in Gibraltar.”
- “During the previous financial year, the decision was made to transfer the trade from fellow subsidiaries, Carrot Rish Technologies Limited and Flag Insurance (Brokers) Limited to the company.”
- “After the reporting date, the board decided to transfer the trade of fellow subsidiary My Policy Limited ("My Policy") to the company, together with the assets and liabilities directly related to that trade. In March 2026, My Policy applied to remove its broker licence. The remaining assets and liabilities are expected to be transferred in the next financial year.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 8 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MCLACHLAN, Nicola Kate | Secretary | 2014-02-17 | — | — |
| GOWING, Martin Richard | Director | 2011-10-03 | Jul 1970 | British |
| KEATING, Daniel | Director | 2017-09-14 | Feb 1981 | British |
| LLOYD, Michael Samuel | Director | 2022-08-23 | Feb 1978 | British |
| MCLACHLAN, Nicola Kate | Director | 2004-07-01 | Dec 1971 | British |
| TYRRELL, Kyle Gavin John Patrick | Director | 2019-11-15 | Apr 1988 | British |
Show 8 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| KEATING, Alan Peter | Secretary | 1993-06-01 | 1994-03-01 |
| MCMULLEN, Mark Anthony | Secretary | — | 1995-02-14 |
| STEVENSON, Nicholas John | Secretary | 2002-04-22 | 2014-02-17 |
| WEST, Maria Theresa Johanna | Secretary | — | 1992-09-05 |
| WEST, Susan Maureen | Secretary | 1995-02-15 | 2002-04-22 |
| KEATING, Alan Peter | Director | 1997-01-01 | 2022-07-30 |
| PROBERT, Dawn | Director | 2019-11-15 | 2020-08-14 |
| WEST, Keith | Director | — | 2002-04-22 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Granite Underwriting Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2016-04-06 |
| Correlation Two Holdings Limited | Corporate entity | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2016-04-06 |
| Marlin Investments Limited | Corporate entity | Shares 50–75%, Voting 50–75%, Appoints directors | 2016-04-06 | Ceased 2016-04-06 |
| Granite Underwriting Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 149 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-08-11 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-08-11 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-08-11 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-08-05 | AA | accounts | Accounts with accounts type full | |
| 2026-03-03 | RP01CS01 | confirmation-statement | Replacement filing of confirmation statement with made up date | |
| 2025-08-19 | CS01 | confirmation-statement | Confirmation statement | |
| 2025-07-31 | AA | accounts | Accounts with accounts type full | |
| 2024-09-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-05-23 | AA | accounts | Accounts with accounts type full | |
| 2023-08-23 | AA | accounts | Accounts with accounts type full | |
| 2023-08-07 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-02-01 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2022-09-06 | AP01 | officers | Appoint person director company with name date | |
| 2022-08-12 | TM01 | officers | Termination director company with name termination date | |
| 2022-08-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-07-13 | AA | accounts | Accounts with accounts type full | |
| 2021-12-13 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2021-08-09 | AA | accounts | Accounts with accounts type full | |
| 2021-08-09 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- 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.