BERNASCO UNDERWRITING LIMITED
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Cash
—
Latest balance sheet
Net assets
£445k
+17.2% highest in 3 filed years
Employees
—
Average over period
Profit before tax
£92k
+15.4% vs 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 |
|---|---|---|---|---|---|
| Gross written premiums | £596,352 | £624,404 | £721,019 | +15.5% | |
| Net earned premiums | £453,870 | £470,506 | £485,571 | +3.2% | |
| Claims incurred | £206,405 | £246,471 | £226,577 | -8.1% | |
| Investment return | £53,593 | £62,751 | £71,548 | +14% | |
| Profit before tax | £120,976 | £79,969 | £92,255 | +15.4% | |
| Net profit | £91,904 | £62,453 | £70,993 | +13.7% | |
| Insurance contract liabilities | £1,090,216 | £1,466,426 | £1,447,063 | -1.3% | |
| Total assets | £1,678,614 | £1,871,798 | £1,925,773 | +2.9% | |
| Total liabilities | £1,362,556 | £1,492,450 | £1,481,148 | -0.8% | |
| Equity | £316,058 | £379,348 | £444,625 | +17.2% | |
| Average employees | 0 | 0 | — | — |
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 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | 81.2% | 79.7% | 76.9% |
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.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Accordingly, the going concern concept has been adopted in the preparation of the Financial Statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 7 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HAMPDEN LEGAL PLC | Corporate Secretary | 2001-04-17 | — | — |
| BERNASCONI, John Garnet | Director | 1998-09-18 | Sep 1948 | British |
| NOMINA PLC | Corporate Director | 2002-12-31 | — | — |
Show 7 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| LEWIS, Nicholas David | Secretary | 1998-09-18 | 2001-04-17 |
| EXCELLET INVESTMENTS LIMITED | Corporate Secretary | 1998-09-18 | 1998-09-18 |
| HALLMARK SECRETARIES LIMITED | Corporate Nominee Secretary | 1998-09-18 | 1998-09-18 |
| CANT, David Antony | Director | 1998-09-18 | 1998-12-31 |
| HANBURY, Nigel John | Director | 1998-09-18 | 1998-12-31 |
| HALLMARK REGISTRARS LIMITED | Corporate Nominee Director | 1998-09-18 | 1998-09-18 |
| QUICKNESS LIMITED | Corporate Director | 1998-09-18 | 1998-09-18 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr John Garnet Bernasconi | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 363 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-22 | AA | accounts | Accounts with accounts type full | |
| 2025-11-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-25 | AA | accounts | Accounts with accounts type full | |
| 2025-02-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-12 | AA | accounts | Accounts with accounts type full | |
| 2024-03-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-18 | AA | accounts | Accounts with accounts type full | |
| 2023-02-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-09-23 | AA | accounts | Accounts with accounts type full | |
| 2022-02-22 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-09-22 | AA | accounts | Accounts with accounts type full | |
| 2021-03-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-09-29 | AA | accounts | Accounts with accounts type full | |
| 2020-02-18 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2019-09-25 | AA | accounts | Accounts with accounts type full | |
| 2019-02-19 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2018-09-17 | AA | accounts | Accounts with accounts type full | |
| 2018-02-20 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2017-10-02 | AA | accounts | Accounts with accounts type full | |
| 2017-02-21 | CS01 | confirmation-statement | Confirmation statement with updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- 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.