Company Overview
Touchstone Underwriting Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 06 June 1988, so this is a well established company. Touchstone Underwriting Limited has been in business for 37 years and 9 months. The accounts status is full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Old Printers Yard, 156 South Street, Dorking, Surrey, RH4 2HF
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Companies House Data
Company NameTOUCHSTONE UNDERWRITING LIMITED
Company Number02264985
Registered Office AddressOld Printers Yard
 156 South Street
 RH4 2HF
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date06/06/1988
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryFULL
Returns Next Due Date07/12/2016
Returns Last Made Up Date09/11/2015
Previous Company NameChanged Date
CONSORT UNDERWRITING LIMITED11 Jul 2007
Directors & Members
Show Resigned
Glen Gibbons - Director
(British, 60 years old, born September 1966)
Appointed 01 January 2024
 Active
Michael Patston - Director
(British, 55 years old, born November 1971)
Appointed 01 January 2018
 Active
Ajay Tailor - Director
(British, 42 years old, born April 1984)
Appointed 04 September 2023
 Active
Oliver Thorne - Director
(British, 41 years old, born February 1985)
Appointed 01 November 2025
 Active
Paul Turner - Director
(British, 65 years old, born September 1961)
Appointed 08 September 1998
 Active
Secretaries
Show Resigned
Other Company Directorships
Glen Gibbons
No companies found
Michael Patston
No companies found
Ajay Tailor
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Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2013 31-Dec-2012
Balance Sheet
Fixed Assets 0 0 0
Current Assets 2,365,534 2,365,534 2,675,864
Creditors Due Within One Year 1,874,155 1,874,155 2,322,192
Working Cap 491,379 491,379 353,672
Total Assets Less Current Liabilities 491,379 491,379 353,672
Long-term Liabilities 0 0 0
Net Assets 491,379 491,379 353,672
Share Capital & Reserves
Share Cap 10,000 10,000 10,000
Profit & Loss Reserves 481,379 481,379 343,672
Other Reserves 0 0 0
Shareholders Funds 491,379 491,379 353,672
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2013 31-Dec-2012
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 32.4% 32.4% 26.3%
Cash Bank In Hand 24.3% 24.3% 25.8%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 79.2% 79.2% 86.8%
Net Current Assets Liabilities 20.8% 20.8% 13.2%
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 20.8% 20.8% 13.2%
Called Up Share Capital 0.4% 0.4% 0.4%
Share Capital Allotted Called Up Paid 0.4% 0.4% 0.4%
Profit Loss Account Reserve 20.3% 20.3% 12.8%
Shareholder Funds 20.8% 20.8% 13.2%
Capital Employed - - -
Total Assets Less Current Liabilities 20.8% 20.8% 13.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2013 31-Dec-2012
Liquidity Ratio 1.3 1.3 1.2
Solvency Ratio 1.3 1.3 1.2
Reserves to Assets 0.2 0.2 0.1
Secured Creditors Unlock full report
Mortgages Charges 7
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 6
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2013 31-Dec-2012
Assets 2,365,534 2,365,534 2,675,864
Debt 1,874,155 1,874,155 2,322,192
Net Assets/Debt 491,379 491,379 353,672

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 appeared positive. We would normally view a company positively for this. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 appeared positive. We would normally view a company positively for this. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   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 appeared positive. We would normally view a company positively for this. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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
Statement of capital following an allotment of shares on 13 May 2025
Termination of appointment of Paul Anthony Anscombe as a director on 31 December 2025
Confirmation statement made on 9 November 2025 with no updates
Appointment of Mr Oliver Valentine Thorne as a director on 1 November 2025
Termination of appointment of Stuart Jeffrey Burt as a director on 1 July 2025
Termination of appointment of Diana Marie Bratt as a director on 16 September 2025
Registration of charge 022649850007, created on 19 September 2025
Second filing for the termination of David Andrew Swann as a secretary
Satisfaction of charge 022649850006 in full
Memorandum and Articles of Association
Resolutions
Termination of appointment of Andrew David Swann as a secretary on 14 May 2025
Termination of appointment of Alan Michael Roe as a director on 16 January 2025
Confirmation statement made on 9 November 2024 with no updates
Appointment of Mr Glen Thomas Gibbons as a director on 1 January 2024
Confirmation statement made on 9 November 2023 with no updates
Termination of appointment of Andrew David Swann as a director on 16 October 2023
Appointment of Mr Ajay Tailor as a director on 4 September 2023
Confirmation statement made on 9 November 2022 with no updates
Change of details for Seventeen Group Limited as a person with significant control on 4 November 2022
Satisfaction of charge 022649850005 in full
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