THE MEDICAL AND DENTAL DEFENCE UNION OF SCOTLAND
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Cash
—
Latest balance sheet
Net assets
£607m
+8.7% highest in 3 filed years
Employees
256
+3.6% highest in 3 filed years
Profit before tax
£56m
+158.5% highest in 3 filed years
Net assets
3-year trend · vs Industrials 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 | — | £42,152,000 | £44,928,000 | +6.6% | |
| Investment return | — | £24,904,000 | £24,898,000 | 0% | |
| Profit before tax | £47,418,000 | £21,517,000 | £55,629,000 | +158.5% | |
| Net profit | £46,076,000 | £15,910,000 | £48,435,000 | +204.4% | |
| Insurance contract liabilities | — | £180,918,000 | £203,126,000 | +12.3% | |
| Total assets | £730,915,000 | — | — | — | |
| Total liabilities | £188,180,000 | — | — | — | |
| Equity | £542,735,000 | £558,645,000 | £607,080,000 | +8.7% | |
| Average employees | 226 | 247 | 256 | +3.6% |
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 | 37.1% | -4.2% | — | |
| Net margin | 61.1% | 20.5% | — | |
| Return on capital employed | 4.0% | -0.4% | — | |
| Gearing (liabilities / total assets) | 25.7% | — | — | |
| Current ratio | 2.26x | 1.95x | — | |
| Interest cover | — | -35.82x | — |
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
- THE MEDICAL AND DENTAL DEFENCE UNION OF SCOTLAND 1989-12-11 → present
- MEDICAL AND DENTAL DEFENCE UNION OF SCOTLAND LTD. (THE) 1902-05-08 → 1989-12-11
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- Grant Thornton UK LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements are prepared on the going concern basis. In adopting the going concern basis, the directors consider that MDDUS, both as the group and as the parent company, has sufficient assets to continue in operation for a period of at least 12 months from the approval of the financial statements.”
Group structure
- THE MEDICAL AND DENTAL DEFENCE UNION OF SCOTLAND · parent
- MDDUS Education Limited 100%
- MDDUS Insurance Limited 100%
- MDDUS Property Limited 100%
- MDDUS Services Limited 100%
Significant events
- “In the first days of 2026, our membership grew to more than 70,000.”
- “We sold our property at Red Lion Court in 2025.”
- “We introduced a new partnership in September 2025, giving members free access to a wellbeing service.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
13 active · 59 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HISLOP, Bryan Andrew | Secretary | 2020-10-30 | — | — |
| BAYLEY, Joanna Laura, Dr | Director | 2017-04-28 | Jun 1969 | British |
| BHATTACHARYA, Satyajit | Director | 2021-06-16 | Nov 1962 | British |
| CAMERON, Iain Thomas, Pofessor | Director | 2017-04-28 | Feb 1956 | British,Australian |
| CRAIG, Ian Ashley | Director | 2024-02-09 | Jul 1959 | British |
| GLEN, Marian | Director | 2018-06-22 | Feb 1960 | British |
| KENNY, Christopher Charles | Director | 2015-01-05 | Feb 1963 | British,Irish |
| MACLEOD, Victoria | Director | 2020-06-19 | Apr 1971 | British |
| MCKEE, William Andrew | Director | 2024-02-09 | Sep 1964 | Irish |
| PARFITT, Emma Jane | Director | 2019-09-06 | Sep 1970 | British |
| PARKER, James Robert | Director | 2019-11-25 | Oct 1967 | British |
| SADLER, Rebecca Peta, Dr | Director | 2021-06-07 | Aug 1973 | British |
| TAYLOR, John, Dr | Director | 2021-11-21 | Apr 1969 | British |
Show 59 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DICKSON, Gordon Charles Alexander, Professor | Secretary | 2004-07-05 | 2015-01-04 |
| KENNY, Christopher Charles | Secretary | 2015-01-05 | 2020-10-30 |
| SIMPSON, Ian Grahame | Secretary | — | 2004-07-04 |
| ALLISON, Andrew | Director | — | 1991-11-01 |
| ANDERSON, Ian Wilson Russell | Director | 1991-07-19 | 2017-09-08 |
| ANGIOLINI, Elish Frances, Dame | Director | 2013-04-19 | 2022-05-20 |
| ARMSTRONG, Ernest Macalpine, Dr | Director | 1992-08-21 | 1993-06-18 |
| BATTISON, Eric Warrender | Director | 1996-04-19 | 2013-09-20 |
| BEATTIE, Alistair Duncan, Dr | Director | — | 2012-09-21 |
| BELL, James Douglas | Director | — | 1992-10-16 |
| BENNET, George Charters | Director | 1999-04-16 | 2013-09-20 |
| BERRY, Jonathan Peter, Dr | Director | 2007-06-15 | 2021-09-03 |
| BLACK, James Masson | Director | 2010-12-17 | 2022-09-02 |
| BUCKLEY, Ernest Graham | Director | 1991-07-19 | 2001-10-19 |
| BUTCHART, Donald George Macleod | Director | — | 1997-10-17 |
| CAMPBELL, Donald, Professor | Director | — | 1995-08-23 |
| CHAMBERS, William Alastair, Prof | Director | 2000-01-21 | 2017-09-08 |
| CHAPMAN, Judith Margaret, Dr | Director | 1992-10-16 | 2017-09-08 |
| COCKBURN, Forrester | Director | — | 2004-10-15 |
| CRITCHLEY, Hilary Octavia Dawn, Professor | Director | 2006-02-17 | 2017-09-08 |
| DAVIDSON, John Knight | Director | — | 1995-10-21 |
| DICKSON, Gordon Charles Alexander, Professor | Director | 2004-07-05 | 2015-01-04 |
| DONALD, Alastair Geoffrey | Director | — | 1997-10-17 |
| DONALD, Robert Mcmillan, Dr | Director | 2010-02-19 | 2021-09-03 |
| DOUGLAS, Alexander Stuart | Director | — | 1991-09-30 |
| EDMOND, Peter | Director | — | 2002-10-18 |
| FINLAYSON, Matthew Charles Kay | Director | — | 1990-11-08 |
| FLEMING, Alan James | Director | 2007-11-16 | 2016-09-09 |
| FOULDS, Wallace Stewart | Director | — | 1994-10-21 |
| GARNER, John Angus Mcvicar, Dr | Director | 1993-06-18 | 2017-09-08 |
| GARVIE, Douglas Gow, Dr | Director | 1992-08-21 | 2001-10-19 |
| GILL, Amarjit, Doctor | Director | 2013-09-20 | 2015-12-31 |
| GRAHAM, James | Director | — | 1999-10-22 |
| HARPER, Douglas Ross | Director | 1991-07-19 | 2010-09-17 |
| HENDERSON, Thomas Brown | Director | — | 1991-12-01 |
| LEES, Martin Mcarthur | Director | — | 2005-10-21 |
| LEITCH, Jason Andrew, Professor | Director | 2016-04-22 | 2025-09-19 |
| MASON, David Kean | Director | — | 1991-12-01 |
| MATTHEWSON, Alexander Pirrett | Director | 1994-09-20 | 2010-09-17 |
| MCDONALD, Peter John | Director | 2010-02-19 | 2021-09-03 |
| MCDOUGALL, Archibald | Director | — | 1990-11-08 |
| MCPHAIL, Margaret Anne | Director | 2015-03-20 | 2024-09-20 |
| MCSWAN, Elizabeth, Doctor | Director | — | 1999-10-22 |
| MILLER, Alistair William Frank | Director | — | 2005-10-21 |
| MUIR, Berenice Barker, Dr | Director | 1994-12-20 | 2004-10-15 |
| NEEDHAM, Gillian, Professor | Director | 2006-02-17 | 2017-09-08 |
| NEWTON, Ray W, Dr | Director | 1997-10-17 | 2002-06-19 |
| PEARSON, Donald William Macintyre, Dr | Director | 1991-07-19 | 2017-09-08 |
| PRINGLE, Robert | Director | — | 1997-10-17 |
| RATTRAY, Ian James | Director | — | 1994-08-24 |
| SEMPLE, Linsey Charlotte, Dr | Director | 2009-04-17 | 2021-09-03 |
| SIMPSON, Ian Grahame | Director | 2001-10-19 | 2004-07-04 |
| SLEVIN, Colin James | Director | 2001-10-19 | 2020-06-30 |
| SWEENEY, Brendan, Dr | Director | 1997-10-17 | 2018-09-07 |
| WATSON, Alan Albert | Director | — | 1999-10-22 |
| WATTS, John David, Dr | Director | 1992-10-16 | 2006-10-20 |
| WILSON, Nairn Hutchison Fulton, Professor | Director | 2016-06-01 | 2020-09-04 |
| WOOD, Robert Anderson | Director | 1992-08-21 | 2009-09-18 |
| WRAY, David | Director | 1991-07-19 | 2012-09-21 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 288 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-10-03 RESOLUTIONS Resolution
- 2024-10-03 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-13 | AA | accounts | Accounts with accounts type group | |
| 2026-08-10 | TM01 | officers | Termination director company with name termination date | |
| 2026-08-04 | TM01 | officers | Termination director company with name termination date | |
| 2026-08-04 | AP01 | officers | Appoint person director company with name date | |
| 2025-12-17 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-20 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-24 | AA | accounts | Accounts with accounts type group | |
| 2024-12-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-12-12 | CH01 | officers | Change person director company with change date | |
| 2024-10-03 | RESOLUTIONS | resolution | Resolution | |
| 2024-10-03 | MA | incorporation | Memorandum articles | |
| 2024-09-23 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-26 | AA | accounts | Accounts with accounts type group | |
| 2024-02-09 | AP01 | officers | Appoint person director company with name date | |
| 2024-02-09 | AP01 | officers | Appoint person director company with name date | |
| 2024-02-05 | CH01 | officers | Change person director company with change date | |
| 2023-12-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-08-17 | AA | accounts | Accounts with accounts type group | |
| 2022-12-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-12-12 | CH01 | officers | Change person director company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- 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.