COVÉA INSURANCE SERVICES LIMITED Credit Check Report

Company Overview

Covéa Insurance Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 05 September 1994, so this is a well established company. Covéa Insurance Services Limited has been in business for 31 years and 7 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.

Registered Address

A&B Mills, Dean Clough, Halifax, HX3 5AX

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Companies House Data

Company Name	COVÉA INSURANCE SERVICES LIMITED
Company Number	02966506
Registered Office Address	A&B Mills
	Dean Clough
	HX3 5AX
Company Category	Private Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	05/09/1994
Accounting Reference Date Day	31
Accounting Reference Date Month	12
Accounts Next Due Date	30/09/2026
Accounts Last Made Up Date	31/12/2024
Accounts Account Category	FULL
Returns Next Due Date	25/09/2016
Returns Last Made Up Date	28/08/2015

Previous Company Name	Changed Date
STERLING INSURANCE GROUP LIMITED	04 Jan 2016

Directors & Members

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	John Alexander - Director (United Kingdom, 85 years old, born August 1941) Appointed 16 December 1994, Resigned 24 February 2015	Resigned
	John Allen - Director (British, 49 years old, born January 1977) Appointed 28 April 2023, Resigned 16 October 2023	Resigned
	Gordon Barratt - Director (British, 86 years old, born March 1940) Appointed 03 October 1995, Resigned 31 March 1999	Resigned
	Alan Blackburn - Director (British, 87 years old, born July 1939) Appointed 05 September 1994, Resigned 08 September 1998	Resigned
	John Blundell - Director (British, 63 years old, born November 1963) Appointed 03 April 2006, Resigned 30 April 2016	Resigned
	Nicholas Cooper - Director (British, 77 years old, born December 1949) Appointed 05 September 1994, Resigned 24 February 2015	Resigned
	Phillipa Cooper - Director (British, 77 years old, born December 1949) Appointed 01 July 2010, Resigned 24 February 2015	Resigned
	Roger Dixon - Director (British, 97 years old, born June 1929) Appointed 14 September 1994, Resigned 28 February 2006	Resigned
	Peter Dufton - Director (British, 80 years old, born October 1946) Appointed 14 September 1994, Resigned 01 July 2007	Resigned
	Patrice Forget - Director (French, 71 years old, born August 1955) Appointed 24 February 2015, Resigned 31 December 2017	Resigned
	Adrian Furness - Director (British, 60 years old, born August 1966) Appointed 03 June 2020, Resigned 15 June 2023	Resigned
	Mahomed Gelu - Director (British, 76 years old, born June 1950) Appointed 09 December 1998, Resigned 23 May 2008	Resigned
	David Hughes - Director (British, 81 years old, born February 1945) Appointed 05 December 2000, Resigned 28 February 2006	Resigned
	Roger Humber - Director (British, 78 years old, born March 1948) Appointed 11 June 2007, Resigned 29 February 2008	Resigned
	François Josse - Director (French, 54 years old, born May 1972) Appointed 11 December 2018, Resigned 20 December 2022	Resigned
	Bertrand Lefebvre - Director (French, 63 years old, born November 1963) Appointed 24 February 2015, Resigned 03 June 2020	Resigned
	Maria Leighton - Director (British, 50 years old, born July 1976) Appointed 03 June 2020, Resigned 31 July 2022	Resigned
	Georges MacEdo - Director (French, 45 years old, born October 1981) Appointed 15 June 2023	Active
	Pierre Michel - Director (French, 58 years old, born August 1968) Appointed 22 December 2017, Resigned 03 June 2020	Resigned
	Nicolas Moreau - Director (French, 49 years old, born April 1977) Appointed 28 April 2023	Active
	Philippe Narzul - Director (French, 73 years old, born August 1953) Appointed 24 February 2015, Resigned 01 April 2017	Resigned
	Edgardo Penollar - Director (British, 60 years old, born November 1966) Appointed 10 September 2007, Resigned 30 June 2019	Resigned
	James Reader - Director (British, 56 years old, born September 1970) Appointed 24 February 2015, Resigned 21 July 2021	Resigned
	Colin Russell - Director (British, 85 years old, born May 1941) Appointed 08 September 1998, Resigned 12 June 2008	Resigned
	Dominique Salvy - Director (French, 69 years old, born November 1957) Appointed 24 February 2015, Resigned 03 June 2020	Resigned
	Terence Wellard - Director (British, 85 years old, born January 1941) Appointed 09 March 1999, Resigned 28 February 2006	Resigned
	Stephen Williams - Director (British, 66 years old, born April 1960) Appointed 11 June 2007, Resigned 11 October 2012	Resigned

Secretaries

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	Barry Blackburn - Secretary (British) Appointed 02 December 2003, Resigned 14 May 2010	Resigned
	Alan Blackburn - Secretary (British) Appointed 05 September 1994, Resigned 31 July 1999	Resigned
	John Cugley - Secretary Appointed 14 May 2010, Resigned 30 November 2011	Resigned
	Rebecca Lawry - Secretary Appointed 05 December 2023	Active
	Edgardo Penollar - Secretary Appointed 30 November 2011, Resigned 03 January 2012	Resigned
	Graham Rivers-Moore - Secretary Appointed 03 January 2012, Resigned 11 December 2015	Resigned
	Sarah Robinson - Secretary Appointed 01 August 2023, Resigned 08 December 2023	Resigned
	Timothy Simmons - Secretary (British) Appointed 01 August 1999, Resigned 02 December 2003	Resigned

Other Company Directorships

Georges MacEdo
COVEA INSURANCE PLC
COVÉA LIFE LIMITED
HEBBLE LAW LIMITED
MMA HOLDINGS UK PLC
SLI SERVICES LIMITED
STERLING CLIENT SERVICES LIMITED

Nicolas Moreau
COVEA INSURANCE PLC
COVÉA LIFE LIMITED
MMA HOLDINGS UK PLC
STERLING CLIENT SERVICES LIMITED

Balance Sheet

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Accounts Date	31-Dec-2024	31-Dec-2015	31-Dec-2014
Balance Sheet
Fixed Assets	17,042,000	17,042,000	38,522,000
Current Assets	3,820,000	3,820,000	4,268,000
Creditors Due Within One Year	14,514,000	14,514,000	14,200,000
Working Cap	-10,694,000	-10,694,000	-9,932,000
Total Assets Less Current Liabilities	6,348,000	6,348,000	28,590,000
Long-term Liabilities	482,000	482,000	482,000
Net Assets	5,866,000	5,866,000	28,108,000
Share Capital & Reserves
Share Cap	451,000	451,000	20,451,000
Profit & Loss Reserves	5,415,000	5,415,000	7,657,000
Other Reserves	0	0	0
Shareholders Funds	5,866,000	5,866,000	28,108,000

Common Size Financial Analysis

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Accounts Date	31-Dec-2024	31-Dec-2015	31-Dec-2014
Tangible Fixed Assets	-	-	-
Fixed Assets	81.7%	81.7%	90.0%
Stocks Inventory	0.0%	0.0%	0.0%
Debtors	0.0%	0.0%	0.0%
Cash Bank In Hand	5.6%	5.6%	3.4%
Current Assets	18.3%	18.3%	10.0%
Creditors Due Within One Year	69.6%	69.6%	33.2%
Net Current Assets Liabilities	-51.3%	-51.3%	-23.2%
Creditors Due After One Year	2.3%	2.3%	1.1%
Accruals Deferred Income	-	-	-
Provisions For Liabilities Charges	-	-	-
Net Assets Liabilities Including Pension Asset Liability	28.1%	28.1%	65.7%
Called Up Share Capital	2.2%	2.2%	47.8%
Share Capital Allotted Called Up Paid	2.2%	2.2%	47.8%
Profit Loss Account Reserve	26.0%	26.0%	17.9%
Shareholder Funds	28.1%	28.1%	65.7%
Capital Employed	-	-	-
Total Assets Less Current Liabilities	30.4%	30.4%	66.8%

Financial Ratio Analysis

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Accounts Date	31-Dec-2024	31-Dec-2015	31-Dec-2014
Liquidity Ratio	0.3	0.3	0.3
Solvency Ratio	1.4	1.4	2.9
Reserves to Assets	0.3	0.3	0.2

Secured Creditors

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Mortgages Charges	4
Mortgages Outstanding	1
Mortgages Part Satisfied	0
Mortgages Satisfied	3

Assets and Debt Analysis

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Accounts Date	31-Dec-2024	31-Dec-2015	31-Dec-2014
Assets	20,862,000	20,862,000	42,790,000
Debt	14,996,000	14,996,000	14,682,000
Net Assets/Debt	5,866,000	5,866,000	28,108,000

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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.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. 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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. 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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. 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

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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

Other Business around HX3 5AX

	ST.SIMON PROPERTIES LIMITED Office Suite D255 Dean Clough, Halifax, West Yorkshire, HX3 5AX
	I EDUCATION LIMITED D Mill, Dean Clough Mills, Halifax, West Yorkshire, HX3 5AX
	MBI BEECHWOOD COURT LIMITED K3, K Mill, Dean Clough Mills, Halifax, West Yorkshire, HX3 5AX
	HOLDGROVE LIMITED 3RD FLOOR WEST, BOWLING MILL, DEAN CLOUGH MILLS, HALIFAX, HX3 5AX
	HEBBLE LAW LIMITED First Floor A Mill A&B Mill, Dean Clough, Halifax, HX3 5AX
	BITE THE MANGO LTD E132 Dean Clough, Halifax, HX3 5AX
	MEDIQUOTE HEALTH SOLUTIONS LIMITED 3RD FLOOR WEST, BOWLING MILL, DEAN CLOUGH MILLS, HALIFAX, HX3 5AX
	THE COOKING SCHOOL AT DEAN CLOUGH LIMITED The Cooking School, Dean Clough, Halifax, West Yorkshire, HX3 5AX
	SWIFTRAPID (HOLDINGS) LIMITED D Mill, Dean Clough, Halifax, West Yorkshire, HX3 5AX
	EXPORT PARTNERS (1991) LIMITED DEAN CLOUGH OFFICE PARK, DEAN CLOUGH, HALIFAX, HX3 5AX

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