M & D H INSURANCE SERVICES LTD
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-10-29 (in 5mo)
Last made up 2025-10-15
Watchouts
None on the register
Cash
£4M
-5.1% vs 2024
Net assets
£2M
+7.6% highest in 5 filed years
Employees
75
+5.6% highest in 5 filed years
Profit before tax
£1M
-8.8% vs 2024
Net assets
5-year trend · vs Financials median
Accounts
5-year trend · latest reflected 2025-12-31
| Metric | Trend | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|---|
| Turnover | — | — | — | £6,763,961 | £7,420,994 | |
| Operating profit | — | — | — | £1,408,570 | £1,438,345 | |
| Profit before tax | — | — | — | £1,442,119 | £1,314,576 | |
| Net profit | — | — | — | £1,051,349 | £937,336 | |
| Cash | £2,105,490 | £1,729,885 | £2,484,103 | £3,936,814 | £3,735,636 | |
| Total assets less current liabilities | £1,075,429 | £2,018,236 | £1,610,421 | £2,638,104 | £3,887,762 | |
| Net assets | £786,837 | £1,644,604 | £1,401,232 | £2,175,570 | £2,340,801 | |
| Equity | £786,837 | £1,644,604 | £1,401,232 | £2,175,570 | £2,340,801 | |
| Average employees | 62 | 60 | 56 | 71 | 75 | |
| Wages | — | — | — | £3,069,797 | £3,513,786 | |
| Directors' remuneration | — | — | — | £391,604 | £678,934 |
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
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
+9.7%
£6,763,961 £7,420,994
-
Cash
-5.1%
£3,936,814 £3,735,636
-
Net assets
+7.6%
£2,175,570 £2,340,801
highest in 5 filed years
-
Employees
+5.6%
71 75
highest in 5 filed years
-
Operating profit
+2.1%
£1,408,570 £1,438,345
-
Profit before tax
-8.8%
£1,442,119 £1,314,576
-
Wages
+14.5%
£3,069,797 £3,513,786
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 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|---|
| Operating margin | — | — | — | 20.8% | 19.4% | |
| Net margin | — | — | — | 15.5% | 12.6% | |
| Return on capital employed | — | — | — | 53.4% | 37.0% | |
| Gearing (liabilities / total assets) | — | — | — | 77.0% | 74.8% | |
| Current ratio | — | — | — | 1.28x | 1.53x | |
| Interest cover | — | — | — | 25.37x | 5.97x |
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.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- RPG Crouch Chapman LLP
- 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. Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”
Significant events
- “As a result of a cyber attack during the year, the Company incurred exceptional costs relating to external advice, and legal support.”
- “Corporate transaction is for legal and professional costs incurred as a part of due diligence for a potential transaction.”
- “Staff rationalisation relates to an exceptional cost reduction and efficiency programme carried out during the year.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 1 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HAMES, Domenica | Secretary | 2002-10-18 | — | British |
| GOVORUSA, Alexandar | Director | 2021-04-01 | Feb 1983 | British |
| HAMES, Domenica | Director | 2004-11-01 | Oct 1971 | British |
| HAMES, Richard | Director | 2002-10-18 | Mar 1973 | British |
| QURESHI, Hussain | Director | 2024-07-01 | Jun 1984 | British |
| SHERWOOD, Steven | Director | 2023-12-18 | Sep 1975 | British |
Show 1 resigned officer
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 2002-10-18 | 2002-10-18 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Richard Hames | Individual | Shares 50–75%, Voting 50–75%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 91 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-12-04 RESOLUTIONS Resolution
- 2024-12-04 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-18 | AA | accounts | Accounts with accounts type full | |
| 2025-11-03 | CH01 | officers | Change person director company with change date | |
| 2025-10-16 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-07-16 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-03-03 | AA | accounts | Accounts with accounts type full | |
| 2025-02-11 | AA01 | accounts | Change account reference date company previous shortened | |
| 2025-02-07 | AA01 | accounts | Change account reference date company current extended | |
| 2024-12-09 | SH06 | capital | Capital cancellation shares | |
| 2024-12-06 | SH03 | capital | Capital return purchase own shares | |
| 2024-12-05 | SH10 | capital | Capital variation of rights attached to shares | |
| 2024-12-04 | RESOLUTIONS | resolution | Resolution | |
| 2024-12-04 | MA | incorporation | Memorandum articles | |
| 2024-12-04 | SH01 | capital | Capital allotment shares | |
| 2024-11-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-11 | AA | accounts | Accounts with accounts type full | |
| 2024-07-01 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-01 | CH01 | officers | Change person director company with change date | |
| 2024-04-01 | CH01 | officers | Change person director company with change date | |
| 2024-04-01 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-01-22 | AAMD | accounts | Accounts amended with accounts type total exemption full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 4
- 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.