Company Overview
Insurance Factory Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 24 October 1994, so this is a well established company. Insurance Factory Limited has been in business for 31 years and 5 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB
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Companies House Data
Company NameINSURANCE FACTORY LIMITED
Company Number02982445
Registered Office Address45 Westerham Road
 Bessels Green
 TN13 2QB
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date24/10/1994
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 Date21/11/2016
Returns Last Made Up Date24/10/2015
Directors & Members
Show Resigned
Feilim MacKle - Director
(Irish, 59 years old, born July 1967)
Appointed 01 August 2025
 Active
Tushar Patel - Director
(British, 54 years old, born October 1972)
Appointed 01 August 2025
 Active
Emma Rawlinson - Director
(British, 46 years old, born September 1980)
Appointed 07 March 2025
 Active
Kartina Thomson - Director
(British, 50 years old, born May 1976)
Appointed 18 September 2025
 Active
Mark Winlow - Director
(British, 64 years old, born April 1962)
Appointed 02 January 2026
 Active
Secretaries
Show Resigned
Christopher Payne - Secretary
Appointed 18 September 2015
 Active
Other Company Directorships
Feilim MacKle
ARDONAGH ADVISORY MGA HOLDINGS LIMITED
ARDONAGH SPECIALTY MGA HOLDINGS LIMITED
ARDTREA SERVICES LTD
GLOBE UNDERWRITING LIMITED
Tushar Patel
ACM ULR LIMITED
AFFINITY INSURANCE SOLUTIONS LIMITED
ATLANTA 1 INSURANCE SERVICES LIMITED
ATLANTA INSURANCE INTERMEDIARIES LIMITED
ATLANTA INVESTMENT HOLDINGS 2 LIMITED
ATLANTA INVESTMENT HOLDINGS 3 LIMITED
ATLANTA INVESTMENT HOLDINGS A LIMITED
ATLANTA INVESTMENT HOLDINGS B LIMITED
ATLANTA INVESTMENT HOLDINGS D LIMITED
ATLANTA INVESTMENT HOLDINGS D3 LIMITED
ATLANTA INVESTMENT HOLDINGS LIMITED
ATLANTA INVESTMENT HOLDINGS MIDCO B LIMITED
ATLANTA INVESTMENTS HOLDINGS D1 LIMITED
BFSL LIMITED
BISL LIMITED
BRIGHTSIDE INSURANCE SERVICES LIMITED
CAROLE NASH INSURANCE CONSULTANTS LIMITED
CLEGG GIFFORD & CO LIMITED
HUGHES INSURANCE SERVICES LIMITED
I GO 4 LTD.
IGO4 PARTNERS LIMITED
IGO4SOLUTIONS LIMITED
LLOYD LATCHFORD GROUP LIMITED
MARKERSTUDY DISTRIBUTION GROUP LIMITED
PAYMENTSHIELD GROUP HOLDINGS LIMITED
PAYMENTSHIELD LIMITED
PAYMENTSHIELD SERVICES LIMITED
PROJECT WATERLOO BIDCO LIMITED
SWINTON (HOLDINGS) LIMITED
Emma Rawlinson
ACM ULR LIMITED
AFFINITY INSURANCE SOLUTIONS LIMITED
ATLANTA 1 INSURANCE SERVICES LIMITED
ATLANTA INSURANCE INTERMEDIARIES LIMITED
ATLANTA INVESTMENT HOLDINGS 2 LIMITED
ATLANTA INVESTMENT HOLDINGS 3 LIMITED
ATLANTA INVESTMENT HOLDINGS A LIMITED
ATLANTA INVESTMENT HOLDINGS B LIMITED
ATLANTA INVESTMENT HOLDINGS D LIMITED
ATLANTA INVESTMENT HOLDINGS D2 LIMITED
ATLANTA INVESTMENT HOLDINGS D3 LIMITED
ATLANTA INVESTMENT HOLDINGS D4 LIMITED
ATLANTA INVESTMENT HOLDINGS D5 LIMITED
ATLANTA INVESTMENT HOLDINGS D6 LIMITED
ATLANTA INVESTMENT HOLDINGS LIMITED
ATLANTA INVESTMENT HOLDINGS MIDCO B LIMITED
ATLANTA INVESTMENTS HOLDINGS D1 LIMITED
BFSL LIMITED
BISL LIMITED
BRIGHTSIDE INSURANCE SERVICES LIMITED
CAROLE NASH INSURANCE CONSULTANTS LIMITED
CLEGG GIFFORD & CO LIMITED
HUGHES INSURANCE SERVICES LIMITED
I GO 4 LTD.
IGO4 PARTNERS LIMITED
IGO4SOLUTIONS LIMITED
KDB MEDICALS LIMITED
LLOYD LATCHFORD GROUP LIMITED
PAYMENTSHIELD GROUP HOLDINGS LIMITED
PAYMENTSHIELD HOLDINGS LIMITED
PAYMENTSHIELD LIMITED
PAYMENTSHIELD SERVICES LIMITED
PROJECT WATERLOO BIDCO LIMITED
SWINTON (HOLDINGS) LIMITED
Kartina Thomson
ACM ULR LIMITED
AFFINITY INSURANCE SOLUTIONS LIMITED
ATLANTA INSURANCE INTERMEDIARIES LIMITED
ATLANTA INVESTMENT HOLDINGS 2 LIMITED
ATLANTA INVESTMENT HOLDINGS 3 LIMITED
BFSL LIMITED
BISL LIMITED
BRIGHTSIDE INSURANCE SERVICES LIMITED
CAROLE NASH INSURANCE CONSULTANTS LIMITED
CLEGG GIFFORD & CO LIMITED
DIGNITY FUNERALS LIMITED
DIGNITY GROUP HOLDINGS LIMITED
HUGHES INSURANCE SERVICES LIMITED
I GO 4 LTD.
IGO4 PARTNERS LIMITED
LLOYD LATCHFORD GROUP LIMITED
PAYMENTSHIELD LIMITED
Mark Winlow
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Balance Sheet
Fixed Assets 4,087,234 4,087,234 3,628,192
Current Assets 17,602,793 17,602,793 5,702,349
Creditors Due Within One Year 18,591,372 18,591,372 5,724,881
Working Cap -988,579 -988,579 -22,532
Total Assets Less Current Liabilities 3,098,655 3,098,655 3,605,660
Long-term Liabilities 3,500,000 3,500,000 3,500,000
Net Assets -401,345 -401,345 105,660
Share Capital & Reserves
Share Cap 100 100 100
Profit & Loss Reserves -401,445 -401,445 105,560
Other Reserves 0 0 0
Shareholders Funds -401,345 -401,345 105,660
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Tangible Fixed Assets - - -
Fixed Assets 18.8% 18.8% 38.9%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 34.9% 34.9% 23.0%
Cash Bank In Hand 6.8% 6.8% 0.0%
Current Assets 81.2% 81.2% 61.1%
Creditors Due Within One Year 85.7% 85.7% 61.4%
Net Current Assets Liabilities -4.6% -4.6% -0.2%
Creditors Due After One Year 16.1% 16.1% 37.5%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability -1.9% -1.9% 1.1%
Called Up Share Capital 0.0% 0.0% 0.0%
Share Capital Allotted Called Up Paid 0.0% 0.0% 0.0%
Profit Loss Account Reserve -1.9% -1.9% 1.1%
Shareholder Funds -1.9% -1.9% 1.1%
Capital Employed - - -
Total Assets Less Current Liabilities 14.3% 14.3% 38.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Liquidity Ratio 0.9 0.9 1.0
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets 0.0 0.0 0.0
Secured Creditors Unlock full report
Mortgages Charges 4
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 4
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Assets 21,690,027 21,690,027 9,330,541
Debt 22,091,372 22,091,372 9,224,881
Net Assets/Debt -401,345 -401,345 105,660

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 has some deficiency. The balance sheet net assets figure is negative.

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 has some deficiency. The balance sheet net assets figure is negative.   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 has some deficiency. The balance sheet net assets figure is negative.

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
Termination of appointment of Christopher Thomas Collings as a director on 28 February 2026
Appointment of Mr Mark Winlow as a director on 2 January 2026
Appointment of Mrs Kartina Tahir Thomson as a director on 18 September 2025
Appointment of Mr Tushar Surendra Patel as a director on 1 August 2025
Appointment of Mr Feilim Mackle as a director on 1 August 2025
Termination of appointment of Rebecca Jane Shepherd as a director on 1 August 2025
Confirmation statement made on 14 July 2025 with no updates
Termination of appointment of Catherine Ellen Lewis as a director on 20 June 2025
Termination of appointment of Andrew Stuart Watson as a director on 31 May 2025
Appointment of Ms Emma Jane Rawlinson as a director on 7 March 2025
Termination of appointment of Ian James Donaldson as a director on 7 March 2025
Termination of appointment of Ellie Barlow as a director on 31 January 2025
Termination of appointment of Craig David Ball as a director on 7 March 2025
Confirmation statement made on 12 July 2024 with no updates
Appointment of Catherine Ellen Lewis as a director on 26 June 2024
Appointment of Andrew Stuart Watson as a director on 26 June 2024
Appointment of Rebecca Jane Shepherd as a director on 26 June 2024
Appointment of Mr Craig David Ball as a director on 26 June 2024
Appointment of Mr Ian James Donaldson as a director on 26 June 2024
Termination of appointment of Ross Leslie Barrington as a director on 26 June 2024
Satisfaction of charge 029824450003 in full
Satisfaction of charge 029824450004 in full
Termination of appointment of Keith John Barber as a director on 13 March 2024
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