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Next accounts due

2026-09-30 (in 4mo)

Last filed for 2024-12-31

Confirmation statement due

2026-08-01 (in 3mo)

Last made up 2025-07-18

Watchouts

2 items

Cash

£7M

USD 9,031,054

+4.7% highest in 7 filed years

Net assets

£41M

USD 54,215,288

+17.3% vs 2023

Employees

99

+3.1% vs 2023

Profit before tax

£5M

USD 6,750,403

+29.9% vs 2023

Watchouts

Facts from the Companies House register and the latest accounts — not a rating

Accounts

7-year trend · latest reflected 2024-12-31

Metric Trend 2018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-31
Turnover £25,795,542£29,974,263
Operating profit £3,450,862£3,957,037
Profit before tax £3,883,268£5,046,276
Net profit £2,504,859£4,146,336
Cash £0£0£0£0£0£6,450,590£6,751,180
Total assets less current liabilities £36,565,717£42,751,073
Net assets £34,564,677£40,528,734
Equity £41,989,591£34,564,677£40,528,734
Average employees 9699
Wages £12,822,001£14,348,309
Directors' remuneration £2,803,719£3,994,719

Figures converted to GBP from USD at 0.748 per USD (Frankfurter spot rate) — hover any figure for the original. 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

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 2018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-31
Operating margin 13.4%13.2%
Net margin 9.7%13.8%
Return on capital employed 9.4%9.3%
Current ratio 2.04x2.71x
Interest cover 40.29x69.76x

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
Consolidated group
Auditor
Taylor Associates
Audit opinion
Qualified
Going concern
Affirmed

“The directors have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future. Thus they continue to adopt the going concern basis of accounting in preparing the annual financial statements.”

Group structure

  1. TEXEL HOLDINGS LIMITED · parent
    1. Tierra Underwriting Limited 100% · England & Wales · Insurance managing agency
    2. Conkat Mining, S.A. 100% · Costa Rica · Mine financing activities
    3. Mina Orotex SR, S.A. 100% · Costa Rica · Mining activities
    4. Texel Europe BV 100% · Belgium · Insurance broker
    5. Texel Asia Pte. Limted 100% · Singapore · Insurance broker
    6. Texel Capital Limited 100% · England & Wales · Corporate finance
    7. Texel Finance Limited 100% · England & Wales · Insurance broker
    8. Texel Finance, Inc. 100% · USA · Insurance holding
    9. Meridian Finance Group 100% · USA · Insurance broker
    10. Tierra Underwriting Europe BV 100% · Belgium · Insurance managing agency

Significant events

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

People

3 active · 6 resigned

Name Role Appointed Born Nationality
RILEY, Matthew Secretary 2017-08-15
LENNARD, Andrew Director 2007-07-18 Sep 1959 British
RILEY, Matthew Saxon Director 2017-08-15 Oct 1966 British
Show 6 resigned officers
Name Role Appointed Resigned
LENNARD, Sarah Secretary 2010-03-30 2024-09-26
SWEENEY, Carmel Secretary 2007-07-18 2017-08-15
SPW SECRETARIES LIMITED Corporate Secretary 2007-07-18 2007-07-18
KOHLER, Jeremy Director 2007-07-18 2022-03-01
SWEENEY, Carmel Director 2007-07-18 2017-12-27
SPW DIRECTORS LIMITED Corporate Director 2007-07-18 2007-07-18

Ownership

Persons with significant control

Name Kind Nature of control Notified Status
Tg Trustee Limited Corporate entity Shares 75–100%, Voting 75–100% 2025-06-30 Active
Mr Andrew Lennard Individual Shares 25–50%, Voting 25–50%, Appoints directors 2016-07-01 Ceased 2025-06-30
Mrs Sarah Lennard Individual Shares 25–50%, Voting 25–50% 2016-04-06 Ceased 2025-06-30

Filing timeline

Last 20 of 105 total filings

Material constitutional events — rename, articles re-file, resolution

  • 2025-07-11 MA Memorandum articles
  • 2025-07-11 RESOLUTIONS Resolution
Date Type Category Description
2025-12-18 AA accounts Accounts with accounts type group PDF
2025-08-27 CS01 confirmation-statement Confirmation statement with updates PDF
2025-08-27 CH01 officers Change person director company with change date PDF
2025-07-11 PSC07 persons-with-significant-control Cessation of a person with significant control PDF
2025-07-11 PSC07 persons-with-significant-control Cessation of a person with significant control PDF
2025-07-11 PSC02 persons-with-significant-control Notification of a person with significant control PDF
2025-07-11 MA incorporation Memorandum articles
2025-07-11 RESOLUTIONS resolution Resolution
2025-07-09 SH01 capital Capital allotment shares PDF
2025-05-28 SH01 capital Capital allotment shares PDF
2024-11-27 AD01 address Change registered office address company with date old address new address PDF
2024-09-27 TM02 officers Termination secretary company with name termination date PDF
2024-09-26 AA accounts Accounts with accounts type group PDF
2024-09-17 CS01 confirmation-statement Confirmation statement with updates PDF
2024-09-16 MR04 mortgage Mortgage satisfy charge full PDF
2024-09-16 MR04 mortgage Mortgage satisfy charge full PDF
2023-11-15 AA accounts Accounts with accounts type group PDF
2023-08-02 CS01 confirmation-statement Confirmation statement with no updates PDF
2022-11-29 AA accounts Accounts with accounts type group PDF
2022-09-27 CS01 confirmation-statement Confirmation statement with updates PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
10

last 12 months

Capital events
2

last 24 months

Officers appointed
0

last 12 months

Officers resigned
0

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.

Official Companies House page