ERGO UK SPECIALTY LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-09-19 (in 4mo)
Last made up 2025-09-05
Watchouts
Cash
£27M
Latest balance sheet
Net assets
£1M
lowest in 4 filed years
Employees
64
highest in 4 filed years
Profit before tax
-£294K
lowest in 4 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
4 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
4-year trend · vs Financials median
Accounts
4-year trend · latest reflected 2024-12-31
| Metric | Trend | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|
| Turnover | £8,423,188 | £17,655,416 | £40,747,677 | £20,713,315 | |
| Operating profit | £557,530 | £730,422 | -£149,917 | -£293,687 | |
| Profit before tax | £557,530 | £761,473 | £54,042 | -£293,687 | |
| Net profit | — | — | -£701,556 | -£828,929 | |
| Cash | £12,065,030 | £12,613,611 | £28,355,358 | £27,246,555 | |
| Total assets less current liabilities | £13,437,729 | £3,031,172 | £5,337,550 | £4,844,598 | |
| Net assets | £2,406,617 | £3,010,015 | £2,308,459 | £1,479,530 | |
| Equity | £2,406,617 | £3,010,015 | £2,308,459 | £1,479,530 | |
| Average employees | 39 | 47 | 54 | 64 | |
| Wages | — | — | £24,924,250 | £8,572,978 | |
| Directors' remuneration | — | — | £734,393 | £726,692 |
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
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|
| Operating margin | 6.6% | 4.1% | -0.4% | -1.4% | |
| Net margin | — | — | -1.7% | -4.0% | |
| Return on capital employed | 4.1% | 24.1% | -2.8% | -6.1% | |
| Current ratio | — | — | 1.14x | 1.15x | |
| Interest cover | — | — | -1.10x | -1.81x |
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
- ERGO UK SPECIALTY LIMITED 2019-07-24 → present
- THREE LIONS UNDERWRITING LIMITED 2002-08-22 → 2019-07-24
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based upon their own analysis of the available information, and as further disclosed in the Basis of Preparation in Note 1 to the financial statements, the Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future, which is twelve months from the signing of these financial statements. Thus, they continue to adopt the going concern basis of accounting in preparing the annual financial statements.”
Group structure
- ERGO UK SPECIALTY LIMITED · parent
- Dutch Digital Systems Ltd 100%
- MPL Claims Management Limited 100%
- MPL Legal Services Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 24 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CAREY, Michael John | Secretary | 2025-05-13 | — | — |
| BAKER, Tim | Director | 2024-05-09 | Apr 1978 | British |
| COSKUN, Timur | Director | 2026-02-01 | Nov 1959 | British |
| DEVLIN, Michael Jacob | Director | 2026-02-01 | Nov 1977 | British |
| HOFFMANN, Arthur | Director | 2023-03-06 | Aug 1967 | German |
| KLOSTERMANN, Tobias | Director | 2025-06-02 | Jul 1985 | German |
Show 24 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| FORSTER, Fatima | Secretary | 2023-03-21 | 2023-12-14 |
| GRIFFIN, Johanna Rachel | Secretary | 2010-08-05 | 2021-10-26 |
| HEDGER, Andrew | Secretary | 2002-08-22 | 2010-08-04 |
| MOULDER, Gary John | Secretary | 2023-12-14 | 2025-05-13 |
| STUDENT, Markus Patrick | Secretary | 2021-10-26 | 2023-03-21 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 2002-08-22 | 2002-08-22 |
| ALBO, Ms Giuseppina | Director | 2005-03-30 | 2008-12-31 |
| APEL, Ute Maria, Dr | Director | 2024-05-09 | 2025-08-01 |
| BENZIES, Russell James | Director | 2008-09-12 | 2009-10-01 |
| DURLING, Alan | Director | 2009-09-23 | 2014-06-06 |
| FRIESE, Sebastian | Director | 2008-06-18 | 2013-08-28 |
| HEDGER, Andrew | Director | 2007-12-21 | 2010-08-04 |
| MASON, Suzanne Kathleen | Director | 2020-05-13 | 2023-09-15 |
| MURRELL, Peter William | Director | 2002-10-30 | 2007-12-20 |
| NIEMANN, Dirk | Director | 2005-06-14 | 2025-09-25 |
| NIEMANN, Dirk | Director | 2002-10-30 | 2004-06-15 |
| PHILLIPS, John Terence | Director | 2002-10-30 | 2004-06-15 |
| RIEMANN, Bernhard Alfred Claus | Director | 2002-10-30 | 2004-06-15 |
| ROHRIG, Manfred Walter | Director | 2007-12-21 | 2013-02-19 |
| SHAH, Chetan Kantilal | Director | 2002-08-22 | 2004-06-15 |
| SITTERER, Christian | Director | 2002-10-30 | 2005-03-30 |
| STRAIN, John Frederick | Director | 2002-10-30 | 2012-05-29 |
| WALKER, Janet Elizabeth | Director | 2002-10-30 | 2004-06-15 |
| WILLIAMS, Roy Geoffrey | Director | 2024-06-06 | 2026-03-31 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 141 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-04-11 RESOLUTIONS Resolution
- 2026-04-11 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-11 | RESOLUTIONS | resolution | Resolution | |
| 2026-04-11 | MA | incorporation | Memorandum articles | |
| 2026-03-31 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-20 | CH01 | officers | Change person director company with change date | |
| 2026-02-11 | AP01 | officers | Appoint person director company with name date | |
| 2026-02-11 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-07 | AA | accounts | Accounts with accounts type full | |
| 2025-10-01 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-06 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-05 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-13 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-05-13 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-03-25 | AA | accounts | Accounts with accounts type total exemption full | |
| 2025-03-20 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-03-12 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-10-14 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-22 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-19 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-19 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 13
- Capital events
- 0
- Officers appointed
- 4
- Officers resigned
- 4
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.