Company Overview
Independent Broking Solutions Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 16 December 1958, so this is a well established company. Independent Broking Solutions Limited has been in business for 67 years and 3 months. The accounts status is small and the accounts are next due on Wednesday 30 September 2026.
Registered Address

1 George Yard, 4Th Floor, London, EC3V 9DF
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Companies House Data
Company NameINDEPENDENT BROKING SOLUTIONS LIMITED
Company Number00616849
Registered Office Address1 George Yard
 4th Floor
 EC3V 9DF
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date16/12/1958
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategorySMALL
Returns Next Due Date19/01/2017
Returns Last Made Up Date22/12/2015
Directors & Members
Show Resigned
Michael Davis - Director
(Irish, 62 years old, born May 1964)
Appointed 06 December 2019
 Active
Nicholas Readings - Director
(British, 74 years old, born June 1952)
Appointed 10 May 2004
 Active
Jonathan Sprules - Director
(British, 58 years old, born June 1968)
Appointed 01 June 2018
 Active
Secretaries
Show Resigned
Lourene Lopez - Secretary
Appointed 01 January 2026
 Active
Other Company Directorships
Michael Davis
CELEBRUS RISK LIMITED
P D ADVISORY LIMITED
Nicholas Readings
A.U. GROUP BROKERS LIMITED
AJ BROKERS LIMITED
ALL IN THE SAME BOAT LIMITED
AMBER INSURANCE BROKERS LIMITED
AMERICOVER LIMITED
ANDREWS WILLIS LIMITED
APPOINTED REPRESENTATIVE 1 LIMITED
BRIGHTLINGSEA BOATING ACADEMY LIMITED
CEDE TRADING LIMITED
CLASSIC DINGHY SAILING LIMITED
COLLIER & GLYNNE LIMITED
COMPLETE MOTOR SOLUTIONS LIMITED
CORNERSTONE INSURANCE BROKERS LIMITED
DVKA CONSULTANTS LIMITED
EPIC INSURANCE SERVICES LIMITED
EWI RE (UK) LIMITED
FATCA LIMITED
INDEPENDENT LONDON MARKET SERVICES LIMITED
INDEPENDENT MARKET SOLUTIONS LIMITED
INDEPENDENT SALES & MARKETING LIMITED
INDEPENDENT SERVICES GROUP LIMITED
ISG ADVISORY SERVICES LTD
MGA CAPITAL LIMITED
O2 MANAGEMENT SOLUTIONS LIMITED
P D ADVISORY LIMITED
REMETIS LIMITED
RYAN MOTORSPORT INSURANCE LIMITED
SCANDINAVIAN CAPITAL SOLUTIONS LIMITED
SU VINO INTERMEDIARIES UK LIMITED
TIER HALL LIMITED
TISG LIMITED
U.S. RE EUROPE HOLDINGS LIMITED
USA RISK INTERMEDIARIES (UK) LIMITED
W-8BEN LIMITED
Jonathan Sprules
AIRCRAFT RISK COMPANY (LONDON) LIMITED
AJ BROKERS LIMITED
ARDENT GLOBAL RISKS LIMITED
CANNGEN UK LTD
CITY QUARTER BROKERS LIMITED
CORDCOMPLY LIMITED
CRG INTERNATIONAL LTD
EPIC INSURANCE SERVICES LIMITED
O2 BROKING AS
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 186,867 186,867 225,996
Current Assets 28,400,342 28,400,342 33,339,084
Creditors Due Within One Year 27,764,451 27,764,451 32,687,888
Working Cap 635,891 635,891 651,196
Total Assets Less Current Liabilities 822,758 822,758 877,192
Long-term Liabilities 70,000 70,000 70,000
Net Assets 752,758 752,758 807,192
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 752,758 752,758 807,192
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 0.7% 0.7% 0.7%
Stocks Inventory - - -
Debtors 71.7% 71.7% 79.1%
Cash Bank In Hand 27.7% 27.7% 20.2%
Current Assets 99.3% 99.3% 99.3%
Creditors Due Within One Year 97.1% 97.1% 97.4%
Net Current Assets Liabilities 2.2% 2.2% 1.9%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 2.6% 2.6% 2.4%
Capital Employed - - -
Total Assets Less Current Liabilities 2.9% 2.9% 2.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 1.0 1.0 1.0
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 28,587,209 28,587,209 33,565,080
Debt 27,834,451 27,834,451 32,757,888
Net Assets/Debt 752,758 752,758 807,192

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. 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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. 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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. 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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PROPERTY INVESTMENT HOLDINGS LIMITED
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CHRIS MORRISON LIMITED
THE OFFICES, GRANGE COTTAGE, NANTYDERRY, ABERGAVENNY, EC3V 9DF
UK EASY GROUP LIMITED
Lower Ground Floor, One George Yard, London, EC3V 9DF
Document Filings
Registered office address changed from 1 George Yard London EC3V 9DF England to 1 George Yard 4th Floor London EC3V 9DF on 2 March 2026
Registered office address changed from 63 st. Mary Axe London EC3A 8AA England to 1 George Yard London EC3V 9DF on 25 February 2026
Registered office address changed from 150 Minories London EC3N 1LS England to 63 st. Mary Axe London EC3A 8AA on 4 February 2026
Termination of appointment of Patricia Joan Hannam as a secretary on 31 December 2025
Appointment of Lourene Lopez as a secretary on 1 January 2026
Confirmation statement made on 22 December 2025 with updates
Cessation of Independent Services Group Limited as a person with significant control on 16 May 2025
Notification of Wecoya Nordics & Baltic Underwriting Gmbh as a person with significant control on 16 May 2025
Termination of appointment of Andrew Stephen Norman as a director on 28 February 2025
Confirmation statement made on 22 December 2024 with no updates
Confirmation statement made on 22 December 2023 with no updates
Director's details changed for Mr Andrew Stephen Norman on 7 November 2023
Director's details changed for Mr Michael Joseph Davis on 12 April 2023
Confirmation statement made on 22 December 2022 with no updates
Change of details for Independent Services Group Limited as a person with significant control on 17 June 2022
Registered office address changed from Unit 2 Kildegaard Business Park Easthorpe Road Easthorpe Colchester Essex CO5 9HE England to 150 Minories London EC3N 1LS on 9 June 2022
Confirmation statement made on 22 December 2021 with no updates
Termination of appointment of David John Pye as a director on 31 March 2021
Confirmation statement made on 22 December 2020 with no updates
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