MIRAMAR UNDERWRITING LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2025-03-30
Confirmation statement due
2026-08-21 (in 3mo)
Last made up 2025-08-07
Watchouts
None on the register
Cash
£55K
lowest in 6 filed years
Net assets
£791K
highest in 6 filed years
Employees
7
Average over period
Profit before tax
£35K
Period ending 2025-03-30
Net assets
6-year trend · vs Financials median
Accounts
6-year trend · latest reflected 2025-03-30
| Metric | Trend | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2024-03-30 | 2025-03-30 |
|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | £1,000,609 | £1,020,344 | |
| Operating profit | — | — | — | — | £172,634 | £27,895 | |
| Profit before tax | — | — | — | — | £180,467 | £35,337 | |
| Net profit | — | — | — | — | £159,064 | £35,337 | |
| Cash | £76,519 | £193,621 | £206,648 | £216,232 | £119,753 | £54,650 | |
| Total assets less current liabilities | — | — | — | — | £755,296 | £790,633 | |
| Net assets | £320,977 | £365,155 | £437,077 | £528,732 | £755,296 | £790,633 | |
| Equity | £320,977 | £365,155 | £437,077 | £528,732 | £755,296 | £790,633 | |
| Average employees | 6 | 6 | 6 | 6 | 7 | 7 | |
| Wages | — | — | — | — | £525,550 | £599,063 | |
| Directors' remuneration | — | — | — | — | £26,233 | £114,601 |
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 2025-03-30 vs 2024-03-30
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2024-03-30 | 2025-03-30 |
|---|---|---|---|---|---|---|---|
| Operating margin | — | — | — | — | 17.3% | 2.7% | |
| Net margin | — | — | — | — | 15.9% | 3.5% | |
| Return on capital employed | — | — | — | — | 22.9% | 3.5% | |
| Current ratio | — | — | — | — | 13.73x | 12.39x |
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
- Crowe U.K. LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have modelled cashflows over the next 12 months based on a number of potential scenarios and performed sensitivity analysis on the projections. Following this analysis the Directors consider that it is appropriate for the accounts to be prepared on a going concern basis of accounting.”
Significant events
- “The Company has been integrated into the Bspoke Insurance Group during the financial period under review”
- “One off charges in the period relate to costs incurred in relation to the change of ownership in the period”
- “On 06th of August 2025, the Company's parent undertaking, Bspoke Insurance Group and its subsidiaries, were acquired by NFP UK Holdings Limited.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 4 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GILL, Ryan Mark | Director | 2025-09-12 | Feb 1983 | British |
| HUNTER, Craig Richard | Director | 2023-08-08 | Jan 1975 | British |
| PURVIS, James Robert | Director | 2024-06-03 | Dec 1965 | British |
Show 4 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| JACOBS, Yomtov Eliezer | Director | 2009-08-07 | 2009-08-10 |
| SIMPSON, Timothy | Director | 2009-08-07 | 2023-08-08 |
| SMYTH, Timothy John | Director | 2023-08-08 | 2025-08-06 |
| TURNER, Jeffrey | Director | 2009-08-07 | 2025-01-28 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Bspoke Insurance Group Ltd | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2023-08-08 | Active |
| Mr Jeffrey Turner | Individual | Shares 25–50%, Voting 25–50%, Appoints directors | 2016-04-06 | Ceased 2023-08-08 |
| Mr Timothy Simpson | Individual | Significant influence | 2016-04-06 | Ceased 2023-08-08 |
| Mrs Georgena Simpson | Individual | Shares 25–50%, Voting 25–50%, Appoints directors, Significant influence | 2016-04-06 | Ceased 2018-01-25 |
Filing timeline
Last 20 of 79 total filings
Material constitutional events — rename, articles re-file, resolution
- 2023-08-29 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-04 | AA | accounts | Accounts with accounts type full | |
| 2025-12-01 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-09-24 | CH01 | officers | Change person director company with change date | |
| 2025-09-12 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-09 | AA01 | accounts | Change account reference date company current shortened | |
| 2025-08-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-26 | TM01 | officers | Termination director company with name termination date | |
| 2025-02-04 | AA | accounts | Accounts with accounts type audit exemption subsiduary | |
| 2025-02-04 | PARENT_ACC | accounts | Legacy | |
| 2025-01-30 | TM01 | officers | Termination director company with name termination date | |
| 2024-12-18 | AGREEMENT2 | other | Legacy | |
| 2024-12-18 | GUARANTEE2 | other | Legacy | |
| 2024-08-21 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-06-10 | AP01 | officers | Appoint person director company with name date | |
| 2023-12-22 | AA01 | accounts | Change account reference date company current shortened | |
| 2023-12-21 | AA01 | accounts | Change account reference date company current extended | |
| 2023-09-20 | SH10 | capital | Capital variation of rights attached to shares | |
| 2023-09-20 | SH08 | capital | Capital name of class of shares | |
| 2023-09-01 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-08-29 | RESOLUTIONS | resolution | Resolution |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- 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.