Optio Group Limited

Activities auxiliary to financial intermediation n.e.c. · London

ActiveUnited KingdomIncorporated 2017Private Limited Company

Financial position

Accounts to 2025-12-31 · GBP · Group accounts

Net assets

£10,477,517

Cash

£60,375,816

Turnover

£52,812,220

Profit / loss

−£17,736,660

Current assets

£88,284,483

Creditors < 1 year

£63,147,207

Equity

£10,477,517

Average employees

201

Balance-sheet trend

GBP · consolidated

Financial statements

Selected figures from the best-ranked available filing for each period. Missing values remain unknown.

2 periods

Some figures were read by AI from scanned accounts, so small errors are possible. View the filed accounts

Reported figures	2025-12-31Group · AI-read	2024-12-31Group · AI-read
Balance sheet
Net assets	£10,477,517	£4,798,399
Equity	£10,477,517	£4,798,399
Share capital	£92,196,127	£69,703,952
Retained earnings	−£82,642,213	−£64,905,553
Assets
Fixed assets	£122,504,084	£66,935,860
Intangible assets	£120,441,409	£65,395,375
Property, plant & equipment	£1,670,555	£280,872
Current assets	£88,284,483	£58,165,038
Cash at bank	£60,375,816	£27,429,746
Liabilities
Creditors within one year	£63,147,207	£51,169,008
Creditors after one year	£137,103,691	£69,085,376
Bank loans & overdrafts	£108,546,053	£53,879,767
Provisions	£60,152	£48,115
Net current assets	£25,137,276	£6,996,030
Assets less current liabilities	£147,641,360	£73,931,890
Profit & loss
Turnover	£52,812,220	£36,090,524
Gross profit	£52,812,220	£36,090,524
Administrative expenses	£58,983,136	£44,696,236
Other operating income	£165,988	£7,608,087
Operating profit	−£6,004,928	−£997,625
Interest receivable	£622,433	£452,195
Interest payable	£11,974,716	£5,023,052
Profit before tax	−£17,416,289	−£5,568,482
Tax	−£320,371	£472,266
Profit / loss	−£17,736,660	−£5,096,216
Operating costs
Depreciation	£308,024	£252,423
Amortisation	£16,139,736	£12,135,299
Operating lease charges	£700,367	£522,357
Audit fees	£316,035	£206,419
Cash flow
Cash from operations	£16,423,339	£17,767,719
Capital expenditure	£198,820	£302,757
People & pay
Average employees	201	87
Staff costs	£28,654,799	£19,536,441
Wages & salaries	£25,392,875	£17,898,815
Social security costs	£2,648,886	£1,319,878
Pension costs	£613,038	£317,748
Directors' remuneration	£2,567,545	£1,896,318
Highest paid director	£1,035,743	£669,608
Source evidence	View filing	View filing

From the accounts

What the accounts for 2025-12-31 say about themselves, read by AI from the scanned filing.

Auditor: PKF Littlejohn LLP
Audit opinion: Clean (unmodified)
Immediate parent: Leo Intermediateco Limited
Ultimate parent: Spring Topco Limited
Ultimate controlling party: Preservation Capital Partners Fund I LP
Accounts: Full accounts · FRS 102
Approved: 2026-04-29, signed by Mark Stephen Mugge

Subsidiaries (9)

Optio Norway AS · 100% · Statsminister Michelsens veg 38, 5230 Paradis, 4601 Bergen, Norway · Holding Company
Circles Group S.A · 100% · 6, rue d'Arlon, L-8399 Windhof, Grand Duchy of Luxembourg · Insurance agency
BCOH S.A · 100% · Chaussée de Waterloo 1589D, 1180 Uccle · Holding Company
Maval Invest N.V · 100% · Chaussée de Waterloo 1589D, 1180 Uccle · Holding Company
CG Finance S.A · 100% · 6, rue d'Arlon, L-8399 Windhof, Grand Duchy of Luxembourg · Holding Company
BIRDY · 100% · Chaussée de Waterloo 1589D, 1180 Uccle · European economic interest group
Circles Group Brasil Corretora de Resseguros S.A. · 100% · Av. Portugal, 1629 – cj. 31 – Ed. Chicago, Brooklin, São Paulo – SP · Re-insurance broker
Circles Asia Ltd. · 100% · Rm. 1207, 12/F, Leighton Centre, 77 Leighton Road, Causeway Bay, Hong Kong · Insurance agency
Circles SE Asia Pte Ltd · 100% · 7500A Beach Road, #04-326 The Plaza, Singapore, 199591 · Insurance agency

Turnover by segment (10)

Underwriting Commissions: 50,840,887 (2025-12-31)
Underwriting Commissions: 34,221,782 (2024-12-31)
Brokerage: 1,971,333 (2025-12-31)
Brokerage: 1,868,742 (2024-12-31)
United Kingdom: 8,563,975 (2025-12-31)
United Kingdom: 8,938,889 (2024-12-31)
North America: 9,666,688 (2025-12-31)
North America: 6,325,055 (2024-12-31)
Rest of the world: 34,581,557 (2025-12-31)
Rest of the world: 20,826,580 (2024-12-31)

Related parties (1)

Spring Midco Limited · Group undertaking · Interest charges on loan notes; balance due at year end · £11,480,511 (2024: £11,559,361)

Borrowings (2)

Other loans · 108,546,053 · at a margin over SONIA · repayable on 30 September 2031 · secured on secured
Loan notes owed to group undertakings · £11,480,511 · interest free · repayable on 30 April 2027 · secured on unsecured

Share classes (2)

40,768,328 Ordinary shares of £1 each
51,427,799 Ordinary A shares of £1 each

Events after the year end (4)

On 30 January 2026, the Group announced its acquisition of AGS Forsikring AS; the equity consideration was settled by issuing further shares to its parent, Leo Intermediateco Limited.
On 30 March 2026, the Group announced its acquisition of Gardian Marine Limited, subject to regulatory approval.
During Q1 2026, the Group pledged certain group assets, including shares in Optio Europe Holdings Limited, Optio Europe Brokers Limited and Optio Group Holdings (Netherlands) B.V. and related intra-group balances to ARES Management Limited as security agent under the Group's financing agreement.
On 28 April 2026, the Group announced its acquisition of Construction Guarentee Underwriters Limited.