CMUTUAL GROUP LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-06-04 (in 1mo)
Last made up 2025-05-21
Watchouts
None on the register
Cash
£842K
+156.8% vs 2023
Net assets
£671K
+312.9% vs 2023
Employees
11
0% vs 2023
Profit before tax
£1M
+18.6% vs 2023
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £1,936,644 | £2,077,848 | |
| Operating profit | £896,651 | £1,062,058 | |
| Profit before tax | £909,724 | £1,078,527 | |
| Net profit | £696,110 | £808,586 | |
| Cash | £327,984 | £842,152 | |
| Total assets less current liabilities | £161,879 | £670,465 | |
| Net assets | £162,559 | £671,145 | |
| Equity | £162,559 | £671,145 | |
| Average employees | 11 | 11 | |
| Wages | £372,994 | £376,326 | |
| Directors' remuneration | £23,942 | £72,067 |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+7.3%
£1,936,644 £2,077,848
-
Cash
+156.8%
£327,984 £842,152
-
Net assets
+312.9%
£162,559 £671,145
-
Employees
0%
11 11
-
Operating profit
+18.4%
£896,651 £1,062,058
-
Profit before tax
+18.6%
£909,724 £1,078,527
-
Wages
+0.9%
£372,994 £376,326
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | 46.3% | 51.1% | |
| Net margin | 35.9% | 38.9% | |
| Return on capital employed | 553.9% | 158.4% | |
| Current ratio | 1.10x | 1.52x | |
| Interest cover | — | 1917.07x |
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 2 times since incorporation
- CMUTUAL GROUP LIMITED 2022-01-31 → present
- CUNA MUTUAL GROUP, LIMITED 1998-06-11 → 2022-01-31
- HEARTLORD LIMITED 1998-05-27 → 1998-06-11
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- TGS Ireland GBW
- 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.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 14 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ABOGADO NOMINEES LIMITED | Corporate Nominee Secretary | 1998-06-11 | — | — |
| SHAW, Andrew David | Director | 2012-02-16 | Aug 1962 | Irish |
| WALSH, Paul Joseph | Director | 2013-08-12 | Jan 1965 | Irish |
Show 14 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ARROGANTE, Megan Kathleen | Secretary | 2012-04-01 | 2014-12-08 |
| THE COMPANY REGISTRATION AGENTS LIMITED | Corporate Nominee Secretary | 1998-05-27 | 1998-06-11 |
| BACON, Gordon Howard | Director | 2004-04-20 | 2008-10-01 |
| CELICHOWSKI, Michael Richard | Director | 2012-04-01 | 2014-07-18 |
| CHEESE, Karl David | Director | 2004-04-20 | 2011-07-07 |
| DODDS, Alan | Director | 2009-01-14 | 2012-12-31 |
| FURLONG, Karen | Director | 2012-02-15 | 2014-11-27 |
| HOLMES-LEWIS, Ian John | Director | 2014-04-09 | 2014-12-01 |
| HUGHES, Seamus Martin | Director | 2015-02-17 | 2025-08-06 |
| TREINEN, Paul Matthew | Director | 2013-07-04 | 2014-12-12 |
| ABOGADO CUSTODIANS LIMITED | Corporate Nominee Director | 1998-06-11 | 1998-07-01 |
| ABOGADO NOMINEES LIMITED | Corporate Nominee Director | 1998-06-11 | 1998-07-01 |
| CUNA MUTUAL INSURANCE SOCIETY | Corporate Director | 1998-07-01 | 2012-04-01 |
| LUCIENE JAMES LIMITED | Corporate Nominee Director | 1998-05-27 | 1998-06-11 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Paul Joseph Walsh | Individual | Shares 50–75%, Voting 50–75%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 132 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-30 | RP01CS01 | confirmation-statement | Replacement filing of confirmation statement with made up date | |
| 2026-03-03 | AD03 | address | Move registers to sail company with new address | |
| 2026-03-03 | AD02 | address | Change sail address company with new address | |
| 2026-03-02 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-10-22 | AA | accounts | Accounts with accounts type full | |
| 2025-09-10 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-11-05 | CH04 | officers | Change corporate secretary company with change date | |
| 2024-10-30 | AA | accounts | Accounts with accounts type full | |
| 2024-10-17 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-06-25 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-25 | CH04 | officers | Change corporate secretary company with change date | |
| 2024-06-25 | CH01 | officers | Change person director company with change date | |
| 2024-06-25 | CH01 | officers | Change person director company with change date | |
| 2024-06-25 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2024-06-25 | CH01 | officers | Change person director company with change date | |
| 2023-10-02 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-07-07 | AA | accounts | Accounts with accounts type full | |
| 2023-06-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-09-24 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- Capital events
- 0
- Officers appointed
- 0
- 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.