Company Overview
Concept Special Risks Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 24 April 1969, so this is a well established company. Concept Special Risks Ltd has been in business for 56 years and 11 months. The accounts status is small and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Unity House Station Court, Station Road, Guiseley, Leeds, West Yorkshire, LS20 8EY
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Companies House Data
Company NameCONCEPT SPECIAL RISKS LTD
Company Number00952756
Registered Office AddressUnity House Station Court, Station Road
 Guiseley
 LS20 8EY
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date24/04/1969
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 Date22/06/2017
Returns Last Made Up Date25/05/2016
Previous Company NameChanged Date
OSPREY SPECIAL RISKS LIMITED07 May 2013
T L DALLAS (SPECIAL RISKS) LIMITED22 May 2008
Directors & Members
Show Resigned
Michael Calvert - Director
(British, 55 years old, born February 1971)
Appointed 04 May 2007
 Active
Sarah Delacey Simms - Director
(British, 43 years old, born June 1983)
Appointed 16 June 2023
 Active
Liam Gilhooly - Director
(British, 43 years old, born October 1983)
Appointed 06 June 2023
 Active
Alexander Thomas - Director
(British, 66 years old, born November 1960)
Appointed 01 January 1999
 Active
Beric Usher - Director
(British, 73 years old, born May 1953)
Appointed 01 January 1999
 Active
Secretaries
Show Resigned
Michael Calvert - Secretary
(British)
Appointed 07 May 2008
 Active
Other Company Directorships
Michael Calvert
APPLIED CREDIT LIMITED
APPLIED CRISIS UNDERWRITERS LIMITED
APPLIED ENTERTAINMENT AND SPORTS LIMITED
CONCEPT SPECIAL RISKS HOLDINGS LTD
FIRST PRODUCT PROTECTION LIMITED
GSH DISTRIBUTION LIMITED
RECREATIONAL CHARTER INSURANCE SERVICES LIMITED
UNITED RISK INTERNATIONAL HOLDINGS LTD
Sarah Delacey Simms
No companies found
Liam Gilhooly
No companies found
Alexander Thomas
CONCEPT SPECIAL RISKS HOLDINGS LTD
MAISON DE CLUMBER LIMITED
RECREATIONAL CHARTER INSURANCE SERVICES LIMITED
UNITY HOUSE (GUISELEY) LIMITED
Beric Usher
CONCEPT SPECIAL RISKS HOLDINGS LTD
RECREATIONAL CHARTER INSURANCE SERVICES LIMITED
T L DALLAS GROUP LIMITED
THOMAS MILLER SPECIALTY HOLDINGS LIMITED
UNITY HOUSE (GUISELEY) LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-May-2022 31-May-2021
Balance Sheet
Fixed Assets 28,908 28,908 12,025
Current Assets 3,962,301 3,962,301 3,280,230
Creditors Due Within One Year 535,809 535,809 543,407
Working Cap 3,426,492 3,426,492 2,736,823
Total Assets Less Current Liabilities 3,455,400 3,455,400 2,748,848
Long-term Liabilities 5,493 5,493 2,285
Net Assets 3,449,907 3,449,907 2,746,563
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 3,449,907 3,449,907 2,746,563
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-May-2022 31-May-2021
Tangible Fixed Assets - - -
Fixed Assets 0.7% 0.7% 0.4%
Stocks Inventory - - -
Debtors 53.4% 53.4% 66.1%
Cash Bank In Hand 45.9% 45.9% 33.5%
Current Assets 99.3% 99.3% 99.6%
Creditors Due Within One Year 13.4% 13.4% 16.5%
Net Current Assets Liabilities 85.9% 85.9% 83.1%
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 86.4% 86.4% 83.4%
Capital Employed - - -
Total Assets Less Current Liabilities 86.6% 86.6% 83.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-May-2022 31-May-2021
Liquidity Ratio 7.4 7.4 6.0
Solvency Ratio 7.4 7.4 6.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-May-2022 31-May-2021
Assets 3,991,209 3,991,209 3,292,255
Debt 541,302 541,302 545,692
Net Assets/Debt 3,449,907 3,449,907 2,746,563

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 appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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 appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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 appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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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Document Filings
Confirmation statement made on 25 May 2025 with no updates
Termination of appointment of Hayden William Smith as a director on 9 May 2025
Appointment of Mr Hayden William Smith as a director on 9 May 2025
Current accounting period shortened from 31 May 2025 to 31 December 2024
Confirmation statement made on 25 May 2024 with no updates
Appointment of Mrs Sarah Anne Delacey Simms as a director on 16 June 2023
Director's details changed for Mr Michael George Calvert on 12 June 2023
Appointment of Mr Liam James Gilhooly as a director on 6 June 2023
Confirmation statement made on 25 May 2023 with updates
Resolutions
Memorandum and Articles of Association
Particulars of variation of rights attached to shares
Change of share class name or designation
Statement of capital following an allotment of shares on 5 January 2023
Confirmation statement made on 25 May 2022 with no updates
Statement of Company's objects
Resolutions
Memorandum and Articles of Association
Confirmation statement made on 25 May 2021 with no updates
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