Company Overview
Pinnacle Insurance Management Services Plc is listed at the official companies registry as Active Public Limited Company. The company was incorporated on Thursday 02 July 1992, so this is a well established company. Pinnacle Insurance Management Services Plc has been in business for 33 years and 9 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX
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Companies House Data
Company NamePINNACLE INSURANCE MANAGEMENT SERVICES PLC
Company Number02729650
Registered Office AddressPinnacle House
 A1 Barnet Way
 WD6 2XX
Company CategoryPublic Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date02/07/1992
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 Date30/07/2016
Returns Last Made Up Date02/07/2015
Previous Company NameChanged Date
CARDIF PINNACLE INSURANCE MANAGEMENT SERVICES PLC29 Jul 2022
Directors & Members
Show Resigned
Dirk Beeckman - Director
(Belgian, 51 years old, born December 1975)
Appointed 30 June 2022
 Active
Thae Cuiper - Director
(Dutch, 68 years old, born January 1958)
Appointed 19 June 2024
 Active
Carmen Iordache - Director
(Romanian, 44 years old, born November 1982)
Appointed 30 June 2022
 Active
Matthew Lorimer - Director
(British, 59 years old, born June 1967)
Appointed 01 April 2015
 Active
Sophie May - Director
(British, 54 years old, born September 1972)
Appointed 10 December 2020
 Active
Craig Scarr - Director
(British, 64 years old, born June 1962)
Appointed 16 May 2022
 Active
Sanchit Suri - Director
(British, 47 years old, born August 1979)
Appointed 18 December 2024
 Active
Secretaries
Show Resigned
Matthew Lorimer - Secretary
(British)
Appointed 03 July 2006
 Active
Other Company Directorships
Dirk Beeckman
No companies found
Thae Cuiper
No companies found
Carmen Iordache
PINNACLE INSURANCE LIMITED
Matthew Lorimer
ANIMAL FRIENDS INSURANCE SERVICES LIMITED
CARDIF INSURANCE HOLDINGS PLC
CARDIF PINNACLE LIMITED
PINNACLE INSURANCE LIMITED
PINNACLE PET HEALTHCARE LIMITED
Sophie May
CARDIF INSURANCE HOLDINGS PLC
GROUP RISK TECHNOLOGIES LIMITED
PET PROTECT LIMITED
PINNACLE INSURANCE LIMITED
Craig Scarr
ACM ULR LIMITED
AFFINITY INSURANCE SOLUTIONS LIMITED
ANIMAL FRIENDS INSURANCE SERVICES LIMITED
BFSL LIMITED
BISL LIMITED
BRIGHTSIDE INSURANCE SERVICES LIMITED
CARDIF INSURANCE HOLDINGS PLC
CLEGG GIFFORD & CO LIMITED
FORVIS MAZARS LLP
GRANT THORNTON UK LLP
HCC INTERNATIONAL INSURANCE COMPANY PLC
HCC UNDERWRITING AGENCY LTD
HSB ENGINEERING INSURANCE LIMITED
INSURANCE FACTORY LIMITED
MARKERSTUDY GROUP HOLDINGS LIMITED
MARKERSTUDY INSURANCE SERVICES LIMITED
PINNACLE INSURANCE LIMITED
SILVERBACK ASSOCIATES LIMITED
USAA LIMITED
USAA S.A.
Sanchit Suri
ANIMAL FRIENDS INSURANCE SERVICES LIMITED
ANIMAL FRIENDS INVESTMENTS LIMITED
CLARUS TECHNOLOGY HOLDINGS LTD
CORRELATION ONE INVESTMENTS (EUROPE) LIMITED
ICEBERG (UK) HOLDINGS LIMITED
JAB PET ECOSYSTEM HOLDINGS LTD
JAB PET HOLDINGS LTD
JPLC LIMITED
PINNACLE INSURANCE LIMITED
PINNACLE PET GROUP LIMITED
POLICY EXPERT GROUP SERVICES LIMITED
QMETRIC GROUP HOLDINGS LIMITED
QMETRIC GROUP LIMITED
QMETRIC GROUP TECHNOLOGY LIMITED
QMETRIC TECHNOLOGY LIMITED
STABILIS MGA LTD
SURE THING INSURANCE SERVICES LTD
TRINITYM LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Balance Sheet
Fixed Assets 6,338,000 6,338,000 7,563,000
Current Assets 13,053,000 13,053,000 15,659,000
Creditors Due Within One Year 14,490,000 14,490,000 18,301,000
Working Cap -1,437,000 -1,437,000 -2,642,000
Total Assets Less Current Liabilities 4,901,000 4,901,000 4,921,000
Long-term Liabilities 2,416,000 2,416,000 0
Net Assets 2,485,000 2,485,000 4,921,000
Share Capital & Reserves
Share Cap 250,000 250,000 2,750,000
Profit & Loss Reserves 2,235,000 2,235,000 2,171,000
Other Reserves 0 0 0
Shareholders Funds 2,485,000 2,485,000 4,921,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Tangible Fixed Assets - - -
Fixed Assets 32.7% 32.7% 32.6%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 51.8% 51.8% 53.9%
Cash Bank In Hand 15.5% 15.5% 13.5%
Current Assets 67.3% 67.3% 67.4%
Creditors Due Within One Year 74.7% 74.7% 78.8%
Net Current Assets Liabilities -7.4% -7.4% -11.4%
Creditors Due After One Year 12.5% 12.5% 0.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 12.8% 12.8% 21.2%
Called Up Share Capital 1.3% 1.3% 11.8%
Share Capital Allotted Called Up Paid 1.3% 1.3% 11.8%
Profit Loss Account Reserve 11.5% 11.5% 9.3%
Shareholder Funds 12.8% 12.8% 21.2%
Capital Employed - - -
Total Assets Less Current Liabilities 25.3% 25.3% 21.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Liquidity Ratio 0.9 0.9 0.9
Solvency Ratio 1.1 1.1 1.3
Reserves to Assets 0.1 0.1 0.1
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-Dec-2012 31-Dec-2011
Assets 19,391,000 19,391,000 23,222,000
Debt 16,906,000 16,906,000 18,301,000
Net Assets/Debt 2,485,000 2,485,000 4,921,000

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.

As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. 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 this level of net assets suggests total debts and obligations were moderately well covered.

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.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. 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 this level of net assets suggests total debts and obligations were moderately well covered.   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.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. 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 this level of net assets suggests total debts and obligations were moderately well covered.

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 19 October 2025 with no updates
Termination of appointment of Richard Adam Hines as a director on 31 August 2025
Registered office address changed from Pinnacle House a1 Barnet Way Borehamwood Hertfordshire WD6 2XX to 4th Floor, Limelight Elstree Way Borehamwood Hertfordshire WD6 1JH on 6 May 2025
Appointment of Mr Simon Wainwright as a director on 24 March 2025
Re-registration from a public company to a private limited company
Certificate of re-registration from Public Limited Company to Private
Re-registration of Memorandum and Articles
Resolutions
Resolutions
Memorandum and Articles of Association
Termination of appointment of Stanislas Louis Paul Francois Chevalet as a director on 27 March 2025
Appointment of Mr Sanchit Suri as a director on 18 December 2024
Termination of appointment of Emmanuel De Talhouet as a director on 31 December 2024
Confirmation statement made on 19 October 2024 with no updates
Appointment of Mr Thae Olav Cuiper as a director on 19 June 2024
Confirmation statement made on 19 October 2023 with updates
Resolutions
Memorandum and Articles of Association
Director's details changed for Sophie Margaret Luton on 3 March 2023
Cessation of Cardif Insurance Holdings Plc as a person with significant control on 30 June 2022
Confirmation statement made on 19 October 2022 with updates
Change of share class name or designation
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