How much does Accident & Health Underwriting Limited make?

Accident & Health Underwriting Limited reported revenue of £2.3m and £863k profit in the year to 31 Dec 2025, according to its accounts filed at Companies House.

How many employees does Accident & Health Underwriting Limited have?

Accident & Health Underwriting Limited reported an average of 11 employees in the year to 31 Dec 2025.

Is Accident & Health Underwriting Limited profitable?

Yes — Accident & Health Underwriting Limited reported a profit of £863k in the year to 31 Dec 2025.

Company No. 03938590 · Incorporated 2 Mar 2000

Accident & Health Underwriting Limited

Registered name: ACCIDENT & HEALTH UNDERWRITING LIMITED

Part of White Mountains Insurance Group, Ltd group

Accident & Health Underwriting Limited made £2.3m revenue and £863k profit in the year to 31 Dec 2025. read from filing text

Accident & Health Underwriting Limited’s revenue grew 3% to £2.3m in the year to 31 Dec 2025, with £863k profit and 11 employees. The company is classified under “activities of insurance agents and brokers” and is based in Bishop's Stortford; we hold 4 years of its filed accounts.

Full P&L filedSection K · Financial and insurance activitiesSIC 66220Activities of insurance agents and brokers

Status: Active
Location: Bishop's Stortford, East of England
Age: 26 yrs · since 2000
Type: Private Limited Company

Part of a group. The filing indicates this company sits within a group structure, so its results may depend on intra-group trading and it may be hard to replicate independently. From the filing: “The company is a wholly owned subsidiary of White Mountains Insurance Group, Ltd, a company incorporated in Bermuda.”

Latest accounts · year to 31 Dec 2025

Key figures

Capital-lightOperating leverageDoing more with less

Revenue

£2.3m

Growth ▲2.7%

Profit

£863k

Growth ▲58.4%

Profit margin

38.2%

Employees

Change ▼15.4%

Profit / employee

£78.4k

Revenue/employee £206k

Profitable streak

4yrs

Consecutive profitable years in our data

Badges are automated estimates derived from the filed figures — not statements of fact about the company.

4 filed years

Financial history

Multi-year financials, oldest to newest
Year to	31 Dec 2022	31 Dec 2023	31 Dec 2024	31 Dec 2025
Disclosure	Full P&Lread from filing text	Full P&Lread from filing text	Full P&Lread from filing text	Full P&Lread from filing text
Profit & loss
Revenue (turnover)	£2.7m	£2.3m	£2.2m	£2.3m
Operating profit	£1.2m	£594k	£629k	£1m
Profit before tax	£1.2m	£621k	£733k	£1.2m
Profit after tax	£955k	£474k	£545k	£863k
Profit (best available)	£955k	£474k	£545k	£863k
Employees (average)	14	14	13	11
Ratios
Profit margin	35.5%	20.9%	24.8%	38.2%
Revenue per employee	£192k	£162k	£169k	£206k
Profit per employee	£68.2k	£33.8k	£41.9k	£78.4k
Growth (year on year)
Revenue growth	—	▼15.7%	▼3%	▲2.7%
Profit growth	—	▼50.4%	▲15%	▲58.4%
Headcount growth	—	0%	▼7.1%	▼15.4%
Balance sheet — indirect signals, not revenue
Cash at bank	£2.4m	£3.1m	£2.7m	£2.8m
Net assets	£4.6m	£5m	£5.6m	£6.4m
Fixed assets	£2.9k	£3.8k	£25.6k	£19.2k
Current assets	£4.9m	£5.2m	£5.7m	£6.7m
Debtors	£1.1m	£1.2m	£1.3m	£320k
Source	FullAccounts · bulk data Sep 2024	FullAccounts · bulk data Sep 2024	FullAccounts · bulk data Aug 2025	FullAccounts · bulk data Sep 2026

Derived from the latest filing

How the business works

Profit margin: 38.2%; Profit ÷ revenue.
Gross margin: —; Gross profit ÷ revenue. High for software and services.
Revenue per employee: £206k; Revenue ÷ average employees.
Profit per employee: £78.4k; Profit ÷ average employees.
Cash conversion: —; Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
Fixed assets ÷ revenue: 0.9%; Capital intensity. Low = capital-light, cheaper to start.
Deferred income ÷ revenue: —; Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
Debtors ÷ revenue: 14.1%; Money owed by customers. Low = customers pay quickly.

Indirect — not revenue

Balance-sheet signals

Year-on-year changes in filed balance-sheet items. They can hint at momentum (or investment) but are not revenue or profit and must not be read as such.

Net assets: ▲15%; Now £6.4m
Cash at bank: ▲2%; Now £2.8m
Headcount: ▼15%; Now 11
Deferred income: —; Now —
Fixed assets: ▼25%; Now £19.2k

Corporate ownership

Group structure

Ownership chain

White Mountains Insurance Group, Ltd (registered outside the UK register)ultimate parent50–75%
Accident & Health Underwriting Limitedthis company

Bands show the share of ownership each company holds in the one below it.

From the Persons with Significant Control register (corporate controllers only).

Same industry, similar size

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Sources

Companies House profile Filing history & original accounts

Latest figures from FullAccounts for the year to 31 Dec 2025 (profit £863k), from the Companies House accounts bulk data published Sep 2026. Spotted an error? Request a correction.

Contains public sector information from Companies House licensed under the Open Government Licence v3.0. Data from Companies House, © Crown copyright. View the licence.