VITALITY HEALTH INSURANCE LIMITED Credit Check Report

Company Overview

Vitality Health Insurance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 15 April 1987, so this is a well established company. Vitality Health Insurance Limited has been in business for 38 years and 11 months. The accounts status is audit exemption subsidiary and the accounts are next due on Wednesday 31 March 2027.

Registered Address

3 More London Riverside, London, SE1 2AQ

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Companies House Data

Company Name	VITALITY HEALTH INSURANCE LIMITED
Company Number	02123483
Registered Office Address	3 MORE LONDON RIVERSIDE
	SE1 2AQ
Company Category	Private Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	15/04/1987
Accounting Reference Date Day	30
Accounting Reference Date Month	6
Accounts Next Due Date	31/03/2027
Accounts Last Made Up Date	30/06/2025
Accounts Account Category	AUDIT EXEMPTION SUBSIDIARY
Returns Next Due Date	27/02/2017
Returns Last Made Up Date	30/01/2016

Previous Company Name	Changed Date
PRUDENTIAL HEALTH INSURANCE LIMITED	14 Nov 2014
STANDARD LIFE HEALTHCARE LIMITED	06 Aug 2010

Directors & Members

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	Timothy Bailey - Director (British, 67 years old, born June 1959) Appointed 01 July 1998, Resigned 31 March 2009	Resigned
	John Barber - Director (English, 78 years old, born May 1948) Appointed 05 April 1994, Resigned 22 June 1994	Resigned
	Alexander Bell - Director (British, 85 years old, born December 1941) Appointed 22 June 1994, Resigned 15 March 2002	Resigned
	David Belsham - Director (British, 67 years old, born December 1959) Appointed 01 February 2011, Resigned 14 November 2014	Resigned
	James Black - Director (British, 62 years old, born July 1964) Appointed 27 February 2009, Resigned 31 July 2010	Resigned
	James Black - Director (British, 62 years old, born July 1964) Appointed 16 May 2001, Resigned 02 January 2004	Resigned
	Evelyn Bourke - Director (Irish, 61 years old, born January 1965) Appointed 16 November 2007, Resigned 14 August 2008	Resigned
	Nicholas Caplan - Director (British, 67 years old, born June 1959) Appointed 24 May 2017, Resigned 15 May 2019	Resigned
	Marco Cereste - Director (British, 76 years old, born December 1950) Appointed 15 April 2000, Resigned 30 November 2007	Resigned
	Sebastian Coe - Director (British, 70 years old, born September 1956) Appointed 28 April 2015, Resigned 15 May 2019	Resigned
	Alexander Crombie - Director (British, 77 years old, born February 1949) Appointed 15 December 2001, Resigned 15 November 2007	Resigned
	Alexander Crombie - Director (British, 77 years old, born February 1949) Appointed 22 June 1994, Resigned 24 October 1994	Resigned
	Andrew Crossley - Director (British, 70 years old, born June 1956) Appointed 01 February 2011, Resigned 06 June 2013	Resigned
	Andrew Crossley - Director (British, 70 years old, born June 1956) Appointed 01 August 2016, Resigned 15 May 2019	Resigned
	Peter Dalby - Director (British, 86 years old, born March 1940)	Resigned
	Simon Douglas - Director (British, 61 years old, born March 1965) Appointed 01 July 1998, Resigned 16 May 2001	Resigned
	Michael Downie - Director (British, 50 years old, born May 1976) Appointed 18 March 2010, Resigned 31 July 2010	Resigned
	Susan Ellen - Director (British, 78 years old, born December 1948) Appointed 31 July 2010, Resigned 31 December 2016	Resigned
	Stephen Evans - Director (British, 79 years old, born February 1947) Appointed 11 February 1994, Resigned 26 August 1997	Resigned
	Andrew Foster - Director (British, 82 years old, born December 1944) Appointed 31 July 2010, Resigned 15 May 2019	Resigned
	Sean Gaskin - Director (British, 71 years old, born January 1955) Appointed 20 December 1995, Resigned 16 November 1998	Resigned
	Adrian Gore - Director (South African, 62 years old, born May 1964) Appointed 31 July 2010, Resigned 15 May 2019	Resigned
	Janet Grant - Director (British, 78 years old, born December 1948) Appointed 01 March 2004, Resigned 30 November 2007	Resigned
	Philip Gregory - Director (British, 71 years old, born July 1955)	Resigned
	Anne Gunther - Director (British, 71 years old, born January 1955) Appointed 01 June 2008, Resigned 27 February 2009	Resigned
	Michael Hall - Director (British, 72 years old, born July 1954) Appointed 12 May 1997, Resigned 30 June 2008	Resigned
	Rosemary Hilary - Director (British, 71 years old, born May 1955) Appointed 04 October 2016, Resigned 15 May 2019	Resigned
	Monty Hilkowitz - Director (Israeli, 86 years old, born July 1940) Appointed 30 January 2018, Resigned 15 May 2019	Resigned

Secretaries

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	Colin Anderson - Secretary (British) Appointed 26 March 2008, Resigned 31 July 2010	Resigned
	Timothy Bailey - Secretary (British) Appointed 01 September 1994, Resigned 26 March 2008	Resigned
	Jennifer Cole - Secretary Appointed 30 June 2014, Resigned 01 October 2025	Resigned
	David Fotheringham - Secretary (British) Appointed 22 June 1994, Resigned 01 September 1994	Resigned
	Alison Gray - Secretary Appointed 01 July 2013, Resigned 30 June 2014	Resigned
	David Griffin - Secretary (British)	Resigned
	Trevor Groocock - Secretary (British) Appointed 01 August 1993, Resigned 22 June 1994	Resigned

Balance Sheet

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Accounts Date	30-Jun-2025	30-Jun-2014	30-Jun-2013
Balance Sheet
Fixed Assets	3,000	3,000	5,522,000
Current Assets	334,572,000	334,572,000	322,594,000
Creditors Due Within One Year	104,463,000	104,463,000	146,405,000
Working Cap	230,109,000	230,109,000	176,189,000
Total Assets Less Current Liabilities	230,112,000	230,112,000	181,711,000
Long-term Liabilities	0	0	0
Net Assets	230,112,000	230,112,000	181,711,000
Share Capital & Reserves
Share Cap	187,500,000	187,500,000	187,500,000
Profit & Loss Reserves	42,612,000	42,612,000	-5,789,000
Other Reserves	0	0	0
Shareholders Funds	230,112,000	230,112,000	181,711,000

Common Size Financial Analysis

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Accounts Date	30-Jun-2025	30-Jun-2014	30-Jun-2013
Tangible Fixed Assets	-	-	-
Fixed Assets	0.0%	0.0%	1.7%
Stocks Inventory	0.0%	0.0%	0.0%
Debtors	18.8%	18.8%	27.2%
Cash Bank In Hand	23.6%	23.6%	31.3%
Current Assets	100.0%	100.0%	98.3%
Creditors Due Within One Year	31.2%	31.2%	44.6%
Net Current Assets Liabilities	68.8%	68.8%	53.7%
Creditors Due After One Year	0.0%	0.0%	0.0%
Accruals Deferred Income	-	-	-
Provisions For Liabilities Charges	-	-	-
Net Assets Liabilities Including Pension Asset Liability	68.8%	68.8%	55.4%
Called Up Share Capital	56.0%	56.0%	57.1%
Share Capital Allotted Called Up Paid	56.0%	56.0%	57.1%
Profit Loss Account Reserve	12.7%	12.7%	-1.8%
Shareholder Funds	68.8%	68.8%	55.4%
Capital Employed	-	-	-
Total Assets Less Current Liabilities	68.8%	68.8%	55.4%

Financial Ratio Analysis

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Accounts Date	30-Jun-2025	30-Jun-2014	30-Jun-2013
Liquidity Ratio	3.2	3.2	2.2
Solvency Ratio	3.2	3.2	2.2
Reserves to Assets	0.1	0.1	0.0

Secured Creditors

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Mortgages Charges	3
Mortgages Outstanding	0
Mortgages Part Satisfied	0
Mortgages Satisfied	3

Assets and Debt Analysis

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Accounts Date	30-Jun-2025	30-Jun-2014	30-Jun-2013
Assets	334,575,000	334,575,000	328,116,000
Debt	104,463,000	104,463,000	146,405,000
Net Assets/Debt	230,112,000	230,112,000	181,711,000

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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. The balance sheet indicates the substantial net assets of a large company. 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. The balance sheet indicates the substantial net assets of a large company. 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. The balance sheet indicates the substantial net assets of a large company. 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

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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

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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

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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

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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

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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)

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

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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

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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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