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White Oak Underwriting Agency Limited

06832820

active
Private Limited Company
england wales
Companies House
Health Score
76 / 100

Some Concerns

30/30
Filing
10/30
Financial
36/40
Risk
  • Loss before tax (-10)
  • Going concern doubt noted in accounts (-10)
  • 2 outstanding charges (-4)

Details

88 LEADENHALL STREET, LONDON, EC3A 3BP
Incorporated 02/03/2009

Compliance

Last accounts

31/12/2024

full

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 12/02/2026

Due 26/02/2027

On track

Industry

65120
Non-life insurance

Officers

Mr John Shepherd

director · Since 02/03/2009

CHIEF EXECUTIVE OFFICER

BRITISH · ENGLAND · Age 79

Also on 5 other boards

Miss Holly Tamar Shepherd

director · Since 24/05/2016

INSURANCE BROKER

BRITISH · ENGLAND · Age 42

Also on 5 other boards

Miss Clare Elizabeth Murray

director · Since 17/01/2023

GROUP HEAD OF TAX

BRITISH · UNITED KINGDOM · Age 46

Also on 8 other boards

Ms Lisa Jane Perry

director · Since 19/06/2025

CHIEF UNDERWRITING OFFICER

BRITISH · ENGLAND · Age 51

Persons with Significant Control

Hiscox Plc

25–50% shares
25–50% votes

1, Great St Helens, London, EC3A 8HX

Reg: 02837811 · England And Wales · Public Limited Company

Notified 06/04/2016

Shepherd Global Limited

25–50% shares
25–50% votes

55, Gracechurch Street, London, EC3V 0EE

Reg: 08601855 · England And Wales · Private Limited Company

Notified 06/04/2016

Charges2 outstanding

Charge
outstanding

LLOYDS BANK PLC

Created 23/07/2020Registered 24/07/2020
Charge
outstanding

LLOYDS BANK PLC

Created 03/10/2019Registered 21/10/2019
charge
satisfied

LLOYDS TSB BANK PLC

Created 19/02/2010Registered 23/02/2010Satisfied 04/04/2019

CompanyRankvs 471+ SIC 65120 peers
54

Financial strength75th percentile among SIC peers · 19/25
Employees87th percentile among SIC peers · 13/15
LiquidityCurrent ratio 1.32× · 12/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10Outstanding charges -10
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How is this score calculated?
Financial strength19/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees13/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity12/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity15/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Risk deductions

Going concern doubt: -10 pts

Outstanding charges: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Going Concern Doubt

not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the 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. Our responsibilities and the responsibilities of the directors with

Key FinancialsYear ending 31/12/2024

Turnover

£4.0M

Annual revenue

Net Worth

£219k

Balance sheet strength

Cash

£356k

Cash in the bank

Profit Before Tax

-£394k

Bottom line earnings

Net Current Assets

£695k

Working capital

Current Assets

£2.9M

Current Liabilities

£2.2M

Fixed Assets

£2k

Debtors

£2.5M

Gross Profit

£4.0M

Admin Expenses

£4.4M

Operating Profit

-£414k

Profit After Tax

-£434k

12avg. employees

Tax at Year End(2023)

Corp tax£28k

People Costs

Wages & salaries£1.7M
NI contributions£257k

Balance Sheet

Assets less current liabilities£697k
Prepared with Caseware UK (AP4) 2025.0.111

EstimatesDerived

YearCurrent RatioImplied Profit
20241.32+£0
20241.32-£487k
20231.91

Derived from filed accounts. Not audited figures.