SOTERIA INSURANCE LIMITED
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Cash
—
Latest balance sheet
Net assets
—
Equity attributable
Employees
—
Average over period
Profit before tax
—
Period ending 2025-12-31
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 | — | — | — | — | |
| Net earned premiums | — | — | — | — | |
| Claims incurred | — | — | — | — | |
| Investment return | — | £6,200,000 | £7,900,000 | +27.4% | |
| Profit before tax | -£3,000,000 | £5,800,000 | — | — | |
| Net profit | -£3,000,000 | £5,500,000 | — | — | |
| Insurance contract liabilities | — | — | — | — | |
| Total assets | £395,200,000 | £303,400,000 | — | — | |
| Total liabilities | — | — | — | — | |
| Equity | £96,000,000 | £101,500,000 | — | — | |
| Average employees | 14 | 15 | — | — |
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 | — | 80.0% | — | |
| Return on capital employed | -5.6% | -0.1% | — | |
| Gearing (liabilities / total assets) | 75.7% | 66.5% | — | |
| Current ratio | 2.25x | 16.06x | — | |
| Interest cover | -6.47x | -0.17x | — |
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. Margin ratios are hidden where reported turnover is too small relative to profit to yield a meaningful figure — typical of holding companies whose income is mostly subsidiary dividends rather than trading revenue. Sector-distribution context coming next.
Name history
Renamed 1 time since incorporation
- SOTERIA INSURANCE LIMITED 2021-01-05 → present
- CIS GENERAL INSURANCE LIMITED 2020-06-25 → 2021-01-05
Audit & accounting basis
- Accounting basis
- FRS 102, FRS 103 Insurance Contracts
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst and Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Annual Report and Accounts are prepared on a going concern basis and the Directors are satisfied that Soteria has the resources to continue in business for at least the period from the date of approval of the financial statements up to 31 December 2027. In making this assessment, the Directors have performed a detailed analysis of future capital and liquidity.”
Significant events
- “On 21 March 2025, Soteria entered into a loss portfolio transfer (LPT) arrangement with a third party to cover its obligations relating to liability claims, transferring liabilities of £23.6m. The net impact on inception of the arrangement was a profit of £5.7m.”
- “On 20 December 2025, the Company's parent company, Saturn, signed an agreement to acquire MISL, subject to regulatory approval.”
- “Since the end of 2025, geopolitical instability has increased, particularly in the Middle East and, whilst Soteria only operates in the UK, this can have an impact on supply chains and investment markets. The Company's management is closely monitoring the situation for any indirect exposure or other impact. At the current date there are no significant changes to the Company's principal risks and uncertainties or its solvency coverage.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 12 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MOORE, Steven Jonathon, Mr. | Secretary | 2024-02-02 | — | — |
| JOHNSTON, Andrew Allan, Mr. | Director | 2024-09-01 | Aug 1972 | British |
| LUDLOW, Sharon Marie | Director | 2024-05-01 | Aug 1966 | Canadian |
| SOUTHWORTH, Neil Anthony, Mr. | Director | 2024-05-01 | Jul 1960 | British |
| SUMMERFIELD, Mark Andrew, Mr. | Director | 2020-06-25 | Nov 1961 | British |
| VANN, Stuart Robert, Mr. | Director | 2026-01-29 | Jul 1971 | British |
Show 12 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ARNOLD, Katy Jane | Secretary | 2020-06-25 | 2020-12-02 |
| VISTRA COMPANY SECRETARIES LIMITED | Corporate Secretary | 2020-12-02 | 2024-02-02 |
| BUCKLEY, Diane | Director | 2020-06-25 | 2020-12-02 |
| ELLIS, Ian Anthony | Director | 2020-06-25 | 2020-12-02 |
| FAWCETT, Caroline Elizabeth | Director | 2020-06-25 | 2020-12-02 |
| GILMOUR, Ewen Hamilton | Director | 2020-12-02 | 2025-12-31 |
| HUBBARD, Peter John | Director | 2020-06-25 | 2020-12-02 |
| LEIGHTON, Maria Louise | Director | 2024-04-15 | 2025-06-25 |
| MITCHELL, Grant Robin John | Director | 2020-12-02 | 2025-01-31 |
| MORGAN, Kathryn Ann | Director | 2020-06-25 | 2024-05-01 |
| PETERKEN, Oliver Lars Edwin | Director | 2020-12-02 | 2024-05-01 |
| SOUTHWORTH, Neil Anthony, Mr. | Director | 2020-06-25 | 2020-12-02 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Saturn Holdings Plc | Corporate entity | Shares 75–100% | 2024-02-19 | Active |
| Soteria Finance Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2020-12-02 | Ceased 2024-02-19 |
Filing timeline
Last 20 of 71 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-02 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2026-06-17 | AA | accounts | Accounts with accounts type full | |
| 2026-04-06 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2026-02-11 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-12 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-07-07 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-13 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-06-06 | AA | accounts | Accounts with accounts type full | |
| 2025-02-06 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-20 | CH01 | officers | Change person director company with change date | |
| 2024-11-19 | CH01 | officers | Change person director company with change date | |
| 2024-11-19 | CH01 | officers | Change person director company with change date | |
| 2024-11-06 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-09-11 | AA | accounts | Accounts with accounts type full | |
| 2024-09-10 | AP01 | officers | Appoint person director company with name date | |
| 2024-07-04 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-07-04 | AD04 | address | Move registers to registered office company with new address | |
| 2024-06-05 | AP01 | officers | Appoint person director company with name date |
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.