ENVELOP RISK ANALYTICS LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-01-01 (in 8mo)
Last made up 2025-12-18
Watchouts
None on the register
Cash
—
Latest balance sheet
Net assets
£90M
+23.4% highest in 4 filed years
Employees
68
+13.3% highest in 4 filed years
Profit before tax
£10M
+145.8% vs 2023
Net assets
4-year trend · vs Financials median
Accounts
4-year trend · latest reflected 2024-12-31
| Metric | Trend | 2019-12-31 | 2020-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|
| Gross written premiums | £NaN | £NaN | £6,312,969 | £11,868,198 | |
| Net earned premiums | £NaN | £NaN | £6,312,969 | £11,868,198 | |
| Claims incurred | £NaN | £NaN | £2,753,037 | £4,900,124 | |
| Investment return | £NaN | £NaN | £345,196 | £2,204,588 | |
| Profit before tax | — | — | -£21,172,202 | £9,706,287 | |
| Net profit | — | — | -£21,172,202 | £12,616,429 | |
| Insurance contract liabilities | £NaN | £NaN | £9,221,833 | £18,168,623 | |
| Total assets | — | — | £86,335,126 | £118,368,937 | |
| Total liabilities | £NaN | £NaN | — | — | |
| Equity | £1,044,213 | £5,323,921 | £73,073,977 | £90,163,166 | |
| Average employees | 12 | 19 | 60 | 68 |
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
-
Gross written premiums
+88%
£6,312,969 £11,868,198
-
Net earned premiums
+88%
£6,312,969 £11,868,198
-
Profit before tax
+145.8%
-£21,172,202 £9,706,287
-
Equity
+23.4%
£73,073,977 £90,163,166
highest in 4 filed years
-
Claims incurred
+78%
£2,753,037 £4,900,124
-
Insurance contract liabilities
+97%
£9,221,833 £18,168,623
-
Investment return
+538.6%
£345,196 £2,204,588
-
Employees
+13.3%
60 68
highest in 4 filed years
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 | 2019-12-31 | 2020-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|
| Gearing (liabilities / total assets) | — | — | 15.4% | 23.8% |
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
- PricewaterhouseCoopers CI LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the group's and the parent company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”
Group structure
- ENVELOP RISK ANALYTICS LIMITED · parent
- Envelop Risk (Bermuda) Ltd. 100%
- Envelop Risk Analytics LLC 100%
- Datastream Insurance Services Inc. 93.75%
- Envelop Risk Services Limited 100%
- Envelop Risk Bermuda Holdings Ltd. 100%
- Augmented Re Ltd. 100%
- Envelop Corporate Capital Limited 100%
Significant events
- “During the year, the group expanded its operations in Lloyd's of London and established a special purpose arrangement syndicate ("SPA"), more-than-quadrupling gross written premium. The group also acquired a Lloyd's corporate member, Envelop Corporate Capital Limited (previously Apollo No. 15 Limited), which participated in the SPA in 2024.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 8 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BELL, Graeme David | Director | 2020-09-10 | Mar 1977 | British |
| DELHAISE, Rachel Mary | Director | 2020-07-20 | Jun 1967 | English |
| GILL, Zoravar | Director | 2025-02-05 | Apr 1992 | Indian |
| GOLDIE, Charles Townsend | Director | 2021-11-18 | May 1966 | American |
| O'HARA, Brian Michael | Director | 2018-05-31 | Apr 1948 | American |
| SPRY, Jonathan Lionel | Director | 2017-05-16 | Jul 1977 | British |
Show 8 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BEAZLEY, Christopher James | Director | 2019-09-16 | 2021-08-31 |
| CUNHA-GOMES, Neil Anthony | Director | 2021-10-15 | 2024-09-25 |
| FEW, James Richard | Director | 2019-03-18 | 2019-09-04 |
| GUTHRIE, Paul Joseph | Director | 2016-12-19 | 2018-02-15 |
| HANSEN, Nicolai Borcher | Director | 2017-12-06 | 2020-06-08 |
| JOHNSON, Ray, Dr. | Director | 2018-02-15 | 2021-10-15 |
| PATEL, Jinesh Kiran | Director | 2016-12-19 | 2019-12-19 |
| THORNE, Stephen James Man-Wah | Director | 2024-09-25 | 2025-02-05 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Nicolai Borcher Hansen | Individual | Shares 25–50%, Voting 25–50% | 2017-05-16 | Ceased 2018-12-28 |
| Qxbranch Uk Limited | Corporate entity | ownership-of-shares-25-to-50-percent-as-firm, voting-rights-25-to-50-percent-as-firm | 2016-12-19 | Ceased 2019-07-18 |
Filing timeline
Last 20 of 117 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-12-23 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-02 | AA | accounts | Accounts with accounts type group | |
| 2025-03-05 | AP01 | officers | Appoint person director company with name date | |
| 2025-03-04 | TM01 | officers | Termination director company with name termination date | |
| 2024-12-23 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-12-18 | AP01 | officers | Appoint person director company with name date | |
| 2024-12-17 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-26 | SH01 | capital | Capital allotment shares | |
| 2024-10-12 | AA | accounts | Accounts with accounts type group | |
| 2023-12-22 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-09-29 | SH01 | capital | Capital allotment shares | |
| 2023-08-24 | AA | accounts | Accounts with accounts type group | |
| 2023-05-26 | CH01 | officers | Change person director company with change date | |
| 2023-04-21 | CH01 | officers | Change person director company with change date | |
| 2023-04-21 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-04-12 | RP04SH01 | capital | Second filing capital allotment shares | |
| 2023-04-03 | CH01 | officers | Change person director company with change date | |
| 2023-04-03 | CH01 | officers | Change person director company with change date | |
| 2023-04-03 | CH01 | officers | Change person director company | |
| 2023-03-21 | AD01 | address | Change registered office address company with date old address new address |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- Capital events
- 1
- 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.