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Cash

Latest balance sheet

Net assets

£1.1bn

+6.3% highest in 3 filed years

Employees

Average over period

Profit before tax

£137m

-49% vs 2024

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
Gross written premiums £1,696,500,000£1,753,400,000£1,644,300,000 -6.2%
Net earned premiums £1,315,700,000£1,335,300,000£1,242,900,000 -6.9%
Claims incurred £961,200,000£751,200,000£910,800,000 +21.2%
Investment return £193,300,000£150,500,000£190,200,000 +26.4%
Profit before tax £116,900,000£268,000,000£136,800,000 -49%
Net profit £100,300,000£218,200,000£135,800,000 -37.8%
Insurance contract liabilities £4,654,000,000£4,709,700,000£4,178,500,000 -11.3%
Total assets £6,130,200,000£6,227,100,000£5,694,500,000 -8.6%
Total liabilities £5,220,800,000£4,625,000,000 -11.4%
Equity £1,041,700,000£1,006,300,000£1,069,500,000 +6.3%
Average employees

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

Audit & accounting basis

Accounting basis
FRS 102
Reporting scope
Standalone (parent only)
Abridged
Yes — abridged accounts (limited disclosure)
Auditor
Ernst & Young LLP
Audit opinion
Unqualified (clean)
Going concern
Affirmed

“The Board has concluded that the Company has adequate resources to continue in operational existence for at least 12 months from the date of approval of these financial statements.”

Significant events

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

People

4 active · 26 resigned

Name Role Appointed Born Nationality
OCRAH, Angela Aso Secretary 2018-11-20
BALLINGER, Rhiannon Kate Director 2024-08-13 Jun 1983 British
MCMURRAY, Steven Roy Director 2024-09-12 Dec 1973 British
WARREN, Jane Director 2024-08-12 Jun 1959 British
Show 26 resigned officers
Name Role Appointed Resigned
BUTTERWORTH, Mark Condie Secretary 2003-12-04 2007-10-31
CASSIDY, Joseph Marcus Secretary 2016-02-25 2018-06-26
JURY, Marion Sarah Secretary 2001-06-30 2003-12-04
LEWIS, Tammy Secretary 2007-11-01 2009-02-27
RYAN, Kevin Keith Secretary 1994-11-22 2001-06-30
TRIST, Rachael Patricia Secretary 2009-12-07 2013-12-04
TURNER, David Charles Secretary 2014-01-06 2016-02-25
WHITE, Rebecca Elizabeth Secretary 2018-06-27 2018-10-12
CAMPBELL, Bruce Kevin Director 2018-07-30 2020-02-18
CORFIELD, Thomas Rokeby Conyngham Director 2006-07-20 2009-11-09
DALTON, Sean James Director 2001-06-12 2006-07-20
DAVENPORT, Nigel James Director 2018-06-26 2024-08-13
DUNN, John Anthony Roberts Director 2001-06-12 2018-12-05
FITZGERALD, Brian Anthony Director 2006-07-20 2011-09-07
FORSYTHE, Daniel Terence Niall Director 2001-06-12 2013-05-15
GALSWORTHY, John Ronald Director 1994-11-22 2001-06-30
HAZELL, Richard Dennis Director 1994-11-22 2001-06-30
LONG, David Henry Director 2009-03-12 2011-01-06
METCALF, Nicholas John Director 2007-11-01 2017-09-21
MOORE, Matthew Director 2009-04-01 2018-06-26
NICHOLSON, Keith Director 2011-09-29 2020-04-15
PEIRCE, Christopher Locke Director 2012-12-13 2018-01-24
RAMEY, Thomas Crawford Director 1998-05-21 2009-03-11
REEVES, James Clifford Director 2020-02-18 2022-02-11
RIJHWANI, Sanjay Director 2022-02-08 2024-08-12
STEFFEY, Stewart Horner Director 1994-11-24 1998-04-03

Ownership

Persons with significant control

No persons with significant control on record.

Filing timeline

Last 20 of 217 total filings

Date Type Category Description
2026-08-12 AA accounts Accounts with accounts type full
2026-07-03 AP01 officers Appoint person director company with name date PDF
2026-06-30 TM01 officers Termination director company with name termination date PDF
2026-06-25 CS01 confirmation-statement Confirmation statement with no updates PDF
2025-07-22 AA accounts Accounts with accounts type full
2025-06-24 CS01 confirmation-statement Confirmation statement with no updates PDF
2024-09-13 AP01 officers Appoint person director company with name date PDF
2024-08-13 AP01 officers Appoint person director company with name date PDF
2024-08-13 AP01 officers Appoint person director company with name date PDF
2024-08-13 TM01 officers Termination director company with name termination date PDF
2024-08-13 TM01 officers Termination director company with name termination date PDF
2024-07-30 AA accounts Accounts with accounts type full
2024-06-25 CS01 confirmation-statement Confirmation statement with no updates PDF
2023-08-17 AA accounts Accounts with accounts type full
2023-06-28 CS01 confirmation-statement Confirmation statement with no updates PDF
2022-08-31 AA accounts Accounts with accounts type full
2022-06-22 CS01 confirmation-statement Confirmation statement with no updates PDF
2022-02-11 AP01 officers Appoint person director company with name date PDF
2022-02-11 TM01 officers Termination director company with name termination date PDF
2021-07-29 AA accounts Accounts with accounts type full

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
4

last 12 months

Capital events
0

last 24 months

Officers appointed
0

last 12 months

Officers resigned
0

last 12 months

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

Official Companies House page