ROTHESAY LIFE PLC
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Next accounts due
2027-06-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2027-03-11 (in 10mo)
Last made up 2026-02-25
Watchouts
None on the register
Cash
£244M
+16.2% vs 2024
Net assets
£5B
+8.6% vs 2024
Employees
555
+11% vs 2024
Profit before tax
£1B
+897.5% vs 2024
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Turnover | — | — | |
| Operating profit | £759,000,000 | £1,929,000,000 | |
| Profit before tax | £121,000,000 | £1,207,000,000 | |
| Net profit | £94,000,000 | £903,000,000 | |
| Cash | £210,000,000 | £244,000,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | £4,316,000,000 | £4,688,000,000 | |
| Equity | £4,316,000,000 | £4,688,000,000 | |
| Average employees | 500 | 555 | |
| Wages | £175,000,000 | £211,000,000 | |
| Directors' remuneration | £9,000,000 | £10,000,000 |
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
—
Not reported
-
Cash
+16.2%
£210,000,000 £244,000,000
-
Net assets
+8.6%
£4,316,000,000 £4,688,000,000
-
Employees
+11%
500 555
-
Operating profit
+154.2%
£759,000,000 £1,929,000,000
-
Profit before tax
+897.5%
£121,000,000 £1,207,000,000
-
Wages
+20.6%
£175,000,000 £211,000,000
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 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Gearing (liabilities / total assets) | 96.5% | 96.4% | |
| Interest cover | 1.19x | 2.67x |
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 3 times since incorporation
- ROTHESAY LIFE PLC 2016-03-24 → present
- ROTHESAY LIFE LIMITED 2007-05-14 → 2016-03-24
- FIRST PREMIUM COMPANY LIMITED 2007-03-14 → 2007-05-14
- HACKREMCO (NO. 2460) LIMITED 2007-02-26 → 2007-03-14
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have concluded that the Group will remain a going concern throughout the assessment period.”
Group structure
- ROTHESAY LIFE PLC · parent
- Rothesay Property Partnership 1 LLP 100%
- Rothesay Property Company 1 Limited 91%
- LT Mortgage Financing Limited 100%
- Rothesay MA No.1 Limited 100%
- Rothesay MA No.3 Limited 100%
- Rothesay MA No.4 Limited 100%
- FCT Morisot
- Lambay Capital Designated Activity Company
- FCT Chagoril
Significant events
- “Restricted Tier 1 debt issuances. £500m”
- “Rothesay purchased additional forward-setting bonds and funds.”
- “On 27 January 2026, the Government introduced a draft Commonhold and Leasehold Reform Bill which proposed capping residential ground rents at £250 per annum from 2028, reducing to “a peppercorn”, or zero, after 40 years. Should the proposed changes be enacted as anticipated in final legislation, the write down in the fair value of Rothesay’s relevant assets as at 31 December 2025 is estimated to be £313m with a resultant impact on the value of our liabilities.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
17 active · 38 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BURNETT, Phoebe Kathleen Lowri | Secretary | 2017-01-25 | — | — |
| SIZER, Eleanor Jane | Secretary | 2020-04-01 | — | — |
| YANG, Fan | Secretary | 2022-12-20 | — | — |
| ARNOLD, Lisa | Director | 2023-07-10 | Apr 1962 | British |
| BUTCHER, Graham Robert | Director | 2023-10-01 | Sep 1981 | British |
| CARNEGIE-BROWN, Bruce Neil | Director | 2025-05-01 | Dec 1959 | British |
| CORBETT, Melvin Timothy | Director | 2017-06-06 | Jul 1960 | American |
| CRADDOCK, Geoffrey James | Director | 2023-01-20 | Oct 1959 | American |
| DARLINGTON, Angela Jane | Director | 2022-08-01 | May 1968 | British |
| GARNER, Katherine Angela | Director | 2024-04-01 | Aug 1968 | British |
| GIERA, Edward Joseph | Director | 2021-01-25 | Nov 1962 | American |
| GUPTA, Arjun | Director | 2023-01-20 | Sep 1963 | Singaporean |
| JACKSON, Heather Louise | Director | 2021-04-01 | Aug 1965 | British |
| JARRATT, Robin Alexander De Beir | Director | 2014-03-18 | Jun 1972 | British |
| MILLER, Therese Lynn | Director | 2017-09-01 | Nov 1951 | British |
| O'CONNOR, Sophie Jane | Director | 2023-10-01 | Aug 1970 | British |
| PEARCE, Thomas James | Director | 2016-05-20 | May 1979 | British |
Show 38 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BROWN, Nola Jean, Ms. | Secretary | 2007-06-29 | 2008-11-06 |
| CROSS, Gemma Grace | Secretary | 2018-03-22 | 2019-01-18 |
| DICKSON, James John | Secretary | 2014-05-14 | 2017-01-25 |
| GILLIONS, William Alexander Thomas | Secretary | 2014-05-14 | 2022-12-20 |
| GRAYSON, Timothy | Secretary | 2011-06-14 | 2014-03-14 |
| GROUNSELL, David John | Secretary | 2009-03-23 | 2011-05-17 |
| NORRIS, Jolie Anita | Secretary | 2007-03-22 | 2010-10-05 |
| PULLAN, Kirsten Alexandra | Secretary | 2008-04-07 | 2010-10-05 |
| SCANLON, Rachel | Secretary | 2007-09-25 | 2010-10-05 |
| WILBY, Hannah | Secretary | 2010-10-05 | 2014-05-14 |
| HACKWOOD SECRETARIES LIMITED | Corporate Nominee Secretary | 2007-02-26 | 2007-03-22 |
| ABBAS, Syed Qasim | Director | 2014-03-18 | 2020-12-01 |
| BECKERS, Constant Eduard Maria, Dr | Director | 2017-10-01 | 2023-10-01 |
| BERLIAND, Richard David Antony | Director | 2015-03-31 | 2019-02-28 |
| CORBETT, Melvin Timothy | Director | 2013-06-21 | 2013-12-19 |
| CRAPP, Nicholas Paul Le Cuirot | Director | 2007-03-22 | 2007-05-24 |
| DAVIES, Stephen | Director | 2007-03-22 | 2009-01-15 |
| EARLE, Glenn Peter Jonathan | Director | 2015-03-30 | 2018-01-10 |
| EARLE, Glenn Peter Jonathan | Director | 2007-05-23 | 2011-08-05 |
| HANSON, Jane Carolyn, Mrs | Director | 2021-01-01 | 2022-06-30 |
| HUNT, Jacqueline | Director | 2022-07-12 | 2023-04-30 |
| JACKSON, David Martin | Director | 2007-06-29 | 2012-03-31 |
| KHERAJ, Naguib | Director | 2015-03-09 | 2025-06-30 |
| KING, Ray | Director | 2014-11-10 | 2022-06-30 |
| LOUDIADIS, Antigone | Director | 2007-05-14 | 2025-04-03 |
| MCDONOGH, Dermot William | Director | 2009-01-19 | 2017-12-18 |
| MORRIS, Simon Paul | Director | 2019-02-14 | 2021-02-13 |
| PANTAZOPOULOS, Konstantinos, Dr | Director | 2010-10-05 | 2013-12-19 |
| PATERSON, Douglas Gordon James | Director | 2007-06-29 | 2015-12-31 |
| PICKUP, Charles David | Director | 2012-01-05 | 2024-03-31 |
| RAFTER, John | Director | 2010-10-13 | 2013-12-19 |
| ROBERTSON, William John | Director | 2016-01-04 | 2023-09-30 |
| SALAME VITERI, Pablo Jose | Director | 2007-05-14 | 2010-01-28 |
| SATCHELL, Keith | Director | 2007-05-14 | 2016-03-30 |
| SHERWOOD, Michael Sidney | Director | 2007-05-23 | 2013-12-19 |
| STOKER, Andrew Mark | Director | 2017-10-01 | 2023-09-30 |
| VINCE, Robin Antony | Director | 2011-11-11 | 2012-12-31 |
| HACKWOOD DIRECTORS LIMITED | Corporate Nominee Director | 2007-02-26 | 2007-03-22 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Rothesay Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 311 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-11-28 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-24 | AA | accounts | Accounts with accounts type group | |
| 2026-02-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-12-19 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-12-19 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-12-19 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-12-19 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-12-15 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-12-15 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-12-15 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-12-15 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-12-15 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-11-28 | RESOLUTIONS | resolution | Resolution | |
| 2025-09-24 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-09-24 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-08-20 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-07-16 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-07-02 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-07-01 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-02 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-14 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 19
- Capital events
- 0
- Officers appointed
- 1
- 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.