Company Overview
Independent Insurance Advisers (Cheltenham) Limited is a Dissolved Private Limited Company.
Registered Address

15 Canada Square, London, E14 5GL
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Companies House Data
Company NameINDEPENDENT INSURANCE ADVISERS (CHELTENHAM) LIMITED
Company Number02592238
Registered Office Address15 Canada Square
 E14 5GL
Company CategoryPrivate Limited Company
Company StatusDissolved
Country of OriginUnited Kingdom
Incorporation Date15/03/1991
Accounting Reference Date Day30
Accounting Reference Date Month9
Accounts Next Due Date30/06/2018
Accounts Last Made Up Date31/03/2016
Accounts Account CategoryTOTAL EXEMPTION SMALL
Returns Next Due Date12/04/2017
Returns Last Made Up Date15/03/2016
Directors & Members
Show Resigned
Paul Morrish - Director
(British, 61 years old, born December 1965)
Appointed 01 February 2017
 Active
Michelmores Secretaries Limited - Secretary
Appointed 01 May 2017
 Active
Secretaries
Show Resigned
Michelmores Secretaries Limited - Secretary
Appointed 01 May 2017
 Active
Other Company Directorships
Paul Morrish
4 PILLARS STAFFING LTD
ACCOUNTANTS FINANCIAL SERVICES (SCOTLAND) LIMITED
AFS HOLDINGS (SCOTLAND) LIMITED
APTERA WEALTH MANAGEMENT LIMITED
CHAMBERS GROUP LIMITED
CHAMBERS INVESTMENTS LIMITED
CHAMBERS LIMITED
CHAMO (EXETER) LTD
COMITIS LTD
DJP AND SP CONSULTING LTD
EDWARDS WEALTH MANAGEMENT LIMITED
ELLABY POLLARD LIMITED
EQUITY INVEST LIMITED
EXETER NETWORK CHURCH
H & L FINANCIAL LTD
INDEPENDENT ADVISERS (SCOTLAND) LIMITED
INSPIRED LIVING (SW) LIMITED
INVESTORS PLANNING ASSOCIATES LIMITED
JIREH (SW) LTD
JIREH RENTAL PROPERTIES (SW) LIMITED
KILLERMONT INVESTMENTS LTD
MACKENZIE INVESTMENT STRATEGIES LTD.
MARLBOROUGH FINANCIAL MANAGEMENT (UK) LIMITED
MOCHA (TAUNTON) LTD
NORRIS & FISHER INDEPENDENT FINANCIAL SERVICES LIMITED
OLLIKA LIMITED
PAUL JONES FINANCIAL SERVICES LIMITED
PJFS HOLDINGS LIMITED
PLAN 4 WEALTH LIMITED
PROSPERITAS FINANCIAL SOLUTIONS LIMITED
SIGMA WEALTH STRATEGIES LIMITED
STUART ABERDEEN FINANCIAL SERVICES LIMITED
WARDE GRAHAM CONSULTING LIMITED
WARWICK BUTCHART ASSOCIATES LIMITED
WINTER FINANCIAL SERVICES LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2016 31-Mar-2015
Balance Sheet
Fixed Assets 5,839 5,316
Current Assets 150,073 193,797
Creditors Due Within One Year 105,200 130,107
Working Cap 44,873 63,690
Total Assets Less Current Liabilities 50,712 69,006
Long-term Liabilities 0 0
Net Assets 50,712 69,006
Share Capital & Reserves
Share Cap 2,353 2,353
Profit & Loss Reserves 13,712 32,006
Other Reserves 34,647 34,647
Shareholders Funds 50,712 69,006
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2016 31-Mar-2015
Tangible Fixed Assets 3.7% 2.7%
Fixed Assets 3.7% 2.7%
Stocks Inventory - -
Debtors 63.9% 83.1%
Cash Bank In Hand 32.4% 14.2%
Current Assets 96.3% 97.3%
Creditors Due Within One Year 67.5% 65.3%
Net Current Assets Liabilities 28.8% 32.0%
Creditors Due After One Year - -
Accruals Deferred Income - -
Provisions For Liabilities Charges - -
Net Assets Liabilities Including Pension Asset Liability - -
Called Up Share Capital 1.5% 1.2%
Share Capital Allotted Called Up Paid 1.5% 1.2%
Profit Loss Account Reserve 8.8% 16.1%
Shareholder Funds 32.5% 34.7%
Capital Employed - -
Total Assets Less Current Liabilities 32.5% 34.7%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2016 31-Mar-2015
Liquidity Ratio 1.4 1.5
Solvency Ratio 1.5 1.5
Reserves to Assets 0.1 0.2
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-Mar-2016 31-Mar-2015
Assets 155,912 199,113
Debt 105,200 130,107
Net Assets/Debt 50,712 69,006
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
Final Gazette dissolved following liquidation
Return of final meeting in a Members' voluntary winding up
Liquidators' statement of receipts and payments to 28 June 2020
Termination of appointment of Michael John Hill as a director on 23 January 2020
Liquidators' statement of receipts and payments to 28 June 2019
Registered office address changed from Drake Building 15 Davy Road Derriford Plymouth Devon PL6 8BY England to 15 Canada Square London E14 5GL on 1 August 2018
Declaration of solvency
Appointment of a voluntary liquidator
Resolutions
Director's details changed for Mr Michael John Hill on 9 May 2018
Termination of appointment of James Alexander Stevenson as a director on 23 April 2018
Confirmation statement made on 15 March 2018 with updates
Statement of capital on 1 February 2018
Statement by Directors
Solvency Statement dated 15/01/18
Resolutions
Termination of appointment of Richard Mark Dancer as a director on 30 May 2017
Termination of appointment of Wesley Lloyd Bernard Nixon as a director on 10 July 2017
Appointment of Michelmores Secretaries Limited as a secretary on 1 May 2017
Confirmation statement made on 15 March 2017 with updates
Register(s) moved to registered inspection location Woodwater House Pynes Hill Exeter Devon EX2 5WR
Register inspection address has been changed to Woodwater House Pynes Hill Exeter Devon EX2 5WR
Appointment of Mr James Alexander Stevenson as a director on 1 February 2017
Appointment of Mr Michael John Hill as a director on 1 February 2017
Appointment of Mr Paul Stephen Morrish as a director on 1 February 2017
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