Company Overview
Royal London Mutual Insurance Society,Limited(The) is listed at the official companies registry as Active Private Limited By Guarantee Without Share Capital. The company was incorporated on Friday 31 July 1908, so this is a well established company. Royal London Mutual Insurance Society,Limited(The) has been in business for 115 years and 9 months. The accounts status is group and the accounts are next due on Monday 30 September 2024.
Registered Address

55 Gracechurch Street, London, EC3V 0RL
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Companies House Data
Company NameROYAL LONDON MUTUAL INSURANCE SOCIETY,LIMITED(THE)
Company Number00099064
Registered Office Address55 Gracechurch Street
 London
 EC3V 0RL
Company CategoryPrivate Limited By Guarantee Without Share Capital
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date31/07/1908
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2024
Accounts Last Made Up Date31/12/2022
Accounts Account CategoryGROUP
Returns Next Due Date05/06/2017
Returns Last Made Up Date08/05/2016
Directors & Members
Show Resigned
Kal Atwal - Director
(British, 53 years old, born September 1971)
Board Director - Appointed 17 January 2020
 Active
Daniel Cazeaux - Director
(British, 49 years old, born November 1975)
Chief Financial Officer - Appointed 22 September 2020
 Active
Ruth Davidson - Director
(British, 46 years old, born November 1978)
Director - Appointed 08 June 2021
 Active
Jane Guyett - Director
(British, 65 years old, born September 1959)
Non-Executive Director - Appointed 04 August 2021
 Active
Eithne McManus - Director
(Irish, 60 years old, born August 1964)
Non-Executive Director - Appointed 01 April 2023
 Active
Barry O'dwyer - Director
(Irish, 53 years old, born May 1971)
Chief Executive Officer - Appointed 08 January 2020
 Active
Secretaries
Show Resigned
Other Company Directorships
Kal Atwal
74 SINCLAIR ROAD RESIDENTS COMPANY LIMITED
ADMIRAL FINANCIAL SERVICES LIMITED
SIMPLYCOOK LIMITED
WHITBREAD PLC
Daniel Cazeaux
No companies found
Ruth Davidson
KIRKHOLM BROADLANDS LTD
THE HALO TRUST
W.A. BAXTER & SONS (HOLDINGS) LIMITED
Jane Guyett
BOO CONCEPT LIMITED
DALCOR PHARMA UK LTD
KELLIHER INSURANCE GROUP LIMITED
UK FINANCIAL INVESTMENTS LIMITED
UK GOVERNMENT INVESTMENTS LIMITED
Eithne McManus
LGPS CENTRAL LIMITED
Barry O'dwyer
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Dec-2022 31-Dec-2014 31-Dec-2013
Balance Sheet
Fixed Assets 5,704,000,000 5,704,000,000 5,210,000,000
Current Assets 68,230,000,000 68,230,000,000 59,091,000,000
Creditors Due Within One Year 43,396,000,000 43,396,000,000 37,860,000,000
Working Cap 24,834,000,000 24,834,000,000 21,231,000,000
Total Assets Less Current Liabilities 30,538,000,000 30,538,000,000 26,441,000,000
Long-term Liabilities 30,538,000,000 30,538,000,000 26,441,000,000
Net Assets 0 0 0
Share Capital & Reserves
Share Cap 0 0 0
Profit & Loss Reserves 0 0 0
Other Reserves 0 0 0
Shareholders Funds 0 0 0
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2022 31-Dec-2014 31-Dec-2013
Tangible Fixed Assets - - -
Fixed Assets 7.7% 7.7% 8.1%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 7.4% 7.4% 6.1%
Cash Bank In Hand 3.7% 3.7% 3.4%
Current Assets 92.3% 92.3% 91.9%
Creditors Due Within One Year 58.7% 58.7% 58.9%
Net Current Assets Liabilities 33.6% 33.6% 33.0%
Creditors Due After One Year 41.3% 41.3% 41.1%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 0.0% 0.0% 0.0%
Called Up Share Capital 0.0% 0.0% 0.0%
Share Capital Allotted Called Up Paid 0.0% 0.0% 0.0%
Profit Loss Account Reserve 0.0% 0.0% 0.0%
Shareholder Funds 0.0% 0.0% 0.0%
Capital Employed - - -
Total Assets Less Current Liabilities 41.3% 41.3% 41.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2022 31-Dec-2014 31-Dec-2013
Liquidity Ratio 1.6 1.6 1.6
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets 0.0 0.0 0.0
Secured Creditors Unlock full report
Mortgages Charges 52
Mortgages Outstanding 26
Mortgages Part Satisfied 0
Mortgages Satisfied 26
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2022 31-Dec-2014 31-Dec-2013
Assets 73,934,000,000 73,934,000,000 64,301,000,000
Debt 73,934,000,000 73,934,000,000 64,301,000,000
Net Assets/Debt 0 0 0

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is nil. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is nil. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is nil. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
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80 FENCHURCH STREET, LONDON, EC3V 0RL
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UNITED FRIENDLY INSURANCE LIMITED
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REFUGE ASSURANCE LIMITED
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ROYAL LIVER (IFA HOLDINGS) LIMITED
80 FENCHURCH STREET, LONDON, EC3V 0RL
ROYAL LONDON ASSET MANAGEMENT LIMITED
55 Gracechurch Street, London, EC3V 0RL
RLM FINANCE LIMITED
80 FENCHURCH STREET, LONDON, EC3V 0RL
ROYAL LIVER MANAGEMENT SERVICES LIMITED
55 Gracechurch Street, London, EC3V 0RL
RLM FINANCE BONDS PLC
55 Gracechurch Street, London, EC3V 0RL
Document Filings
Registration of charge 000990640054, created on 5 April 2024
Appointment of Lynne Margaret Peacock as a director on 1 December 2023
Termination of appointment of Sally Bridgeland as a director on 31 December 2023
Termination of appointment of Ian Edwin Dilks as a director on 31 December 2023
Appointment of Ms Nicola Jane Richards as a director on 5 October 2023
Director's details changed for Mr Barry O'dwyer on 8 November 2023
Confirmation statement made on 20 June 2023 with no updates
Director's details changed for Daniel Sebastian Cazeaux on 26 June 2023
Director's details changed for Mr Timothy Tookey on 26 June 2023
Director's details changed for Mr. Kevin Allen Huw Parry on 26 June 2023
Director's details changed for Miss Kal Atwal on 26 June 2023
Director's details changed for Ms Ruth Elizabeth Davidson on 26 June 2023
Director's details changed for Ms Jane Elizabeth Guyett on 26 June 2023
Director's details changed for Eithne Siobhan Mcmanus on 26 June 2023
Director's details changed for Mr Mark Martin Rennison on 26 June 2023
Director's details changed for Mr Barry O'dwyer on 26 June 2023
Secretary's details changed for Royal London Management Services Limited on 26 June 2023
Register(s) moved to registered office address 80 Fenchurch Street London EC3M 4BY
Termination of appointment of Shirley Jill Garrood as a director on 6 June 2023
Registration of charge 000990640053, created on 10 May 2023
Register(s) moved to registered inspection location 55 Gracechurch Street London EC3V 0RL
Register inspection address has been changed to 55 Gracechurch Street London EC3V 0RL
Registered office address changed from 55 Gracechurch Street London EC3V 0RL to 80 Fenchurch Street London EC3M 4BY on 11 April 2023
Appointment of Eithne Siobhan Mcmanus as a director on 1 April 2023
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