WHITE BEAR CORPORATE CAPITAL LIMITED
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Cash
—
Latest balance sheet
Net assets
£6.8m
+1,369% highest in 3 filed years
Employees
0
Average over period
Profit before tax
£11m
+121.9% vs 2024
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Gross written premiums | — | £115,989,000 | £144,687,000 | +24.7% | |
| Net earned premiums | — | £82,711,000 | £100,410,000 | +21.4% | |
| Claims incurred | — | £35,543,000 | £39,895,000 | +12.2% | |
| Investment return | — | £3,838,000 | £5,071,000 | +32.1% | |
| Profit before tax | £12,252,000 | £4,878,000 | £10,823,000 | +121.9% | |
| Net profit | £8,905,000 | £4,277,000 | £8,084,000 | +89% | |
| Insurance contract liabilities | — | £149,704,000 | £173,776,000 | +16.1% | |
| Total assets | £168,651,000 | £237,919,000 | £302,215,000 | +27% | |
| Total liabilities | £172,729,000 | £237,455,000 | £295,399,000 | +24.4% | |
| Equity | -£4,078,000 | £464,000 | £6,816,000 | +1,369% | |
| Average employees | 0 | 0 | 0 | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 10.5% | 4.2% | — | |
| Net margin | 7.6% | 3.7% | — | |
| Gearing (liabilities / total assets) | 102.4% | 99.8% | — | |
| Current ratio | 3.96x | 2.15x | — | |
| Interest cover | 66.95x | 2.04x | — |
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 1 time since incorporation
- WHITE BEAR CORPORATE CAPITAL LIMITED 2020-01-06 → present
- NAMECO (NO. 1036) LIMITED 2011-09-01 → 2020-01-06
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- BDO LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for a period of at least twelve months from the date of approval of the financial statements. As such, the Directors continue to adopt the going concern basis of accounting in preparing the financial statements.”
Significant events
- “The Group had no post balance sheet events to report. The current situation in the Middle East is under review but at this stage there is a significant level of uncertainty to the effect on the Company.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 5 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HOLLEY, Shirley Anne | Secretary | 2023-11-15 | — | — |
| LYNCH, John Anthony | Director | 2019-11-21 | Jun 1965 | Irish |
| SCALES, Peter David | Director | 2019-11-21 | Apr 1964 | British |
Show 5 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| MIJATOVIC, Tessa Helen | Secretary | 2019-11-21 | 2023-11-15 |
| HAMPDEN LEGAL PLC | Corporate Secretary | 2011-09-01 | 2019-11-21 |
| EVANS, Jeremy Richard Holt | Director | 2011-09-01 | 2019-11-21 |
| HOWARD, Richard Percival | Director | 2011-11-10 | 2017-03-18 |
| NOMINA PLC | Corporate Director | 2011-09-01 | 2019-11-21 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| White Bear Capital Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2019-11-21 | Active |
| Susanna Carr | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2018-03-20 | Ceased 2019-11-21 |
| Mr Richard Percival Howard | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2017-03-18 |
Filing timeline
Last 20 of 65 total filings
Material constitutional events — rename, articles re-file, resolution
- 2020-01-06 RESOLUTIONS Resolution
- 2020-01-06 CONNOT Change of name notice
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-18 | AA | accounts | Accounts with accounts type full | |
| 2026-04-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-07-10 | AA | accounts | Accounts with accounts type full | |
| 2025-04-23 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-10 | AA | accounts | Accounts with accounts type full | |
| 2024-04-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-11-27 | AP03 | officers | Appoint person secretary company with name date | |
| 2023-11-27 | TM02 | officers | Termination secretary company with name termination date | |
| 2023-08-17 | AA | accounts | Accounts with accounts type full | |
| 2023-04-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-12-09 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2022-12-09 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2022-07-19 | AA | accounts | Accounts with accounts type full | |
| 2022-04-25 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-08-09 | AA | accounts | Accounts with accounts type full | |
| 2021-04-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-10-19 | AA | accounts | Accounts with accounts type full | |
| 2020-05-13 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2020-01-06 | RESOLUTIONS | resolution | Resolution | |
| 2020-01-06 | CONNOT | change-of-name | Change of name notice |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- Capital events
- 0
- 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.