WHITE OAK UNDERWRITING AGENCY LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-02-26
Overdue
Watchouts
Cash
£356K
+205.3% highest in 5 filed years
Net assets
£219K
-69% lowest in 3 filed years
Employees
11
-8.3% lowest in 3 filed years
Profit before tax
-£394K
-499.7% lowest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Confirmation statement overdue
Due 2026-02-26.
Net assets
5-year trend · vs Financials median
Accounts
5-year trend · latest reflected 2024-12-31
| Metric | Trend | 2022-01-01 | 2022-12-31 | 2023-01-01 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|
| Turnover | — | £4,220,806 | — | £4,626,604 | £3,964,513 | |
| Operating profit | — | £146,740 | — | £113,546 | -£413,581 | |
| Profit before tax | — | £86,740 | — | £98,700 | -£394,482 | |
| Net profit | — | £86,740 | — | £98,700 | -£434,350 | |
| Cash | £119,433 | £198,280 | £198,280 | £116,568 | £355,848 | |
| Total assets less current liabilities | — | £1,513,797 | — | £1,126,485 | £697,176 | |
| Net assets | — | £607,894 | — | £706,594 | £219,201 | |
| Equity | £521,154 | £607,894 | £607,894 | £706,594 | £219,201 | |
| Average employees | — | 12 | — | 12 | 11 | |
| Wages | — | £1,735,957 | — | £1,638,252 | £1,714,281 | |
| Directors' remuneration | — | — | — | — | — |
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
-
Turnover
-14.3%
£4,626,604 £3,964,513
lowest in 3 filed years
-
Cash
+205.3%
£116,568 £355,848
highest in 5 filed years
-
Net assets
-69%
£706,594 £219,201
lowest in 3 filed years
-
Employees
-8.3%
12 11
lowest in 3 filed years
-
Operating profit
-464.2%
£113,546 -£413,581
lowest in 3 filed years
-
Profit before tax
-499.7%
£98,700 -£394,482
lowest in 3 filed years
-
Wages
+4.6%
£1,638,252 £1,714,281
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 | 2022-01-01 | 2022-12-31 | 2023-01-01 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|
| Operating margin | — | 3.5% | — | 2.5% | -10.4% | |
| Net margin | — | 2.1% | — | 2.1% | -11.0% | |
| Return on capital employed | — | 9.7% | — | 10.1% | -59.3% | |
| Current ratio | — | — | — | 1.91x | 1.32x | |
| Interest cover | — | 2.45x | — | 7.65x | — |
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 2 times since incorporation
- WHITE OAK UNDERWRITING AGENCY LIMITED 2009-09-01 → present
- WHTIE OAK UNDERWRITING AGENCY LIMITED 2009-08-28 → 2009-09-01
- EPG UNDERWRITING MANAGEMENT LIMITED 2009-03-02 → 2009-08-28
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Buzzacott Audit LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have at the time of approving the financial statements, a reasonable expectation that the company continue in operational existence for the foreseeable future. The company continues to receive financial support to ensure sufficient funding to keep operations afloat.”
Group structure
- WHITE OAK UNDERWRITING AGENCY LIMITED · parent
- White Oak Services Inc 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 12 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GLASS, Justin | Director | 2023-01-17 | Oct 1977 | American |
| MURRAY, Clare Elizabeth | Director | 2023-01-17 | May 1980 | British |
| PERRY, Lisa Jane | Director | 2025-06-19 | Jul 1974 | British |
| SHEPHERD, Holly Tamar | Director | 2016-05-24 | Jun 1984 | British |
| SHEPHERD, John | Director | 2009-03-02 | May 1947 | British |
Show 12 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DOLTON, Jeffrey William | Secretary | 2009-08-19 | 2012-03-30 |
| BONNISSENT, Guillaume Charles Nicolas Marie | Director | 2015-10-19 | 2019-06-26 |
| CAMPBELL, Sally Victoria | Director | 2015-08-13 | 2019-03-22 |
| DOLTON, Jeffrey William | Director | 2009-03-02 | 2012-03-30 |
| GLASS, Charles Edmund | Director | 2009-08-19 | 2012-11-26 |
| HENDRIX, Dale Brooks | Director | 2013-06-05 | 2022-04-28 |
| LYDDON-MILLS, Shelley Christine | Director | 2019-03-22 | 2020-05-20 |
| MAXWELL, Matthew Peter | Director | 2010-04-01 | 2015-01-29 |
| SAUNDERS, Jason Ray, Mr. | Director | 2020-05-20 | 2022-10-27 |
| SIMMS, Stuart Antony Bridge | Director | 2015-06-15 | 2015-08-14 |
| WARD, Graham | Director | 2012-04-26 | 2019-08-09 |
| WATSON, Richard Colin | Director | 2014-06-11 | 2019-12-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Hiscox Plc | Corporate entity | Shares 25–50%, Voting 25–50% | 2016-04-06 | Active |
| Shepherd Global Limited | Corporate entity | Shares 25–50%, Voting 25–50% | 2016-04-06 | Active |
Filing timeline
Last 20 of 173 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-11 | AA | accounts | Accounts with accounts type full | |
| 2026-03-07 | DISS40 | gazette | Gazette filings brought up to date | |
| 2026-03-03 | GAZ1 | gazette | Gazette notice compulsory | |
| 2025-06-19 | AP01 | officers | Appoint person director company with name date | |
| 2025-02-26 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-09-30 | AA | accounts | Accounts with accounts type full | |
| 2024-02-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-10-10 | AA | accounts | Accounts with accounts type full | |
| 2023-04-13 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-02-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-01-17 | AP01 | officers | Appoint person director company with name date | |
| 2023-01-17 | AP01 | officers | Appoint person director company with name date | |
| 2022-11-17 | TM01 | officers | Termination director company with name termination date | |
| 2022-10-05 | AA | accounts | Accounts with accounts type full | |
| 2022-06-16 | RP04CS01 | confirmation-statement | Second filing of confirmation statement with made up date | |
| 2022-05-03 | TM01 | officers | Termination director company with name termination date | |
| 2022-02-14 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2021-11-09 | SH04 | capital | Capital sale or transfer treasury shares with date currency capital figure | |
| 2021-10-07 | AA | accounts | Accounts with accounts type full | |
| 2021-03-11 | CS01 | confirmation-statement | Confirmation statement with updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- Officers appointed
- 1
- 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.