Company Overview
Howden Life & Health Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Saturday 01 April 1995, so this is a well established company. Howden Life & Health Limited has been in business for 31 years. The accounts status is full and the accounts are next due on Monday 30 June 2025.
Registered Address

One Creechurch Place, London, EC3A 5AF
Credit Reports Available

These credit rating reports are available now:


Credit Analysts Report
Get Report >>

Standard Credit Report
Get Report >>

Basic Credit Report
Get Report >>

24/7 credit rating data feed - no UK company credit reports are updated faster

Companies House Data
Company NameHOWDEN LIFE & HEALTH LIMITED
Company Number03040737
Registered Office AddressOne Creechurch Place
 EC3A 5AF
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date01/04/1995
Accounting Reference Date Day30
Accounting Reference Date Month9
Accounts Next Due Date30/06/2025
Accounts Last Made Up Date30/09/2023
Accounts Account CategoryFULL
Returns Next Due Date29/04/2017
Returns Last Made Up Date01/04/2016
Previous Company NameChanged Date
ASSURED FUTURES LIMITED01 Nov 2023
Directors & Members
Show Resigned
Michael Dalby - Director
(British, 54 years old, born May 1972)
Appointed 16 January 2024
 Active
David Edmands - Director
(British, 58 years old, born November 1968)
Appointed 16 February 2023
 Active
Samuel Hudson - Director
(British, 56 years old, born October 1970)
Appointed 02 January 2019
 Active
Peter Murphy - Director
(British, 55 years old, born April 1971)
Appointed 16 February 2023
 Active
Secretaries
Show Resigned
Graeme Manning - Secretary
Appointed 29 July 2024
 Active
Other Company Directorships
Michael Dalby
20 TWENTY HEALTHCARE HOLDINGS LIMITED
ACTIVEQUOTE LIMITED
A-PLAN HOLDINGS
ASTON LARK EMPLOYEE BENEFITS LIMITED
AXA HEALTH LIMITED
HEALTH ON LINE LIMITED
HEALTH-ON-LINE COMPANY UK LIMITED
HELP ME COMPARE GROUP LIMITED
HELP ME COMPARE LIMITED
HOWDEN EMPLOYEE BENEFITS & WELLBEING LIMITED
RED ARC ASSURED LIMITED
RIGHT TO HEALTH LIMITED
SOFTSWIFT LIMITED
TAKING CARE PERSONAL ALARMS LIMITED
THE PERMANENT HEALTH COMPANY LIMITED
David Edmands
ACTIVEQUOTE LIMITED
ANGLIA FINANCIAL SOLUTIONS LTD
ASTON LARK EMPLOYEE BENEFITS LIMITED
BEST HEALTH UK LIMITED
BESTWORLD FINANCIAL MANAGEMENT LIMITED
BUSINESS PROTECTION ONLINE LTD
GET PRIVATE LIMITED
HA SCOTLAND LIMITED
HEALTHCARE QUOTATIONS LIMITED
HEALTHWISE LIMITED
HELP ME COMPARE GROUP LIMITED
HELP ME COMPARE LIMITED
HOWDEN EMPLOYEE BENEFITS & WELLBEING HOLDINGS LIMITED
HOWDEN EMPLOYEE BENEFITS & WELLBEING LIMITED
HOWILL GROUP LIMITED
INDEPENDENT HEALTH INSURANCE SERVICES LIMITED
J.V.A HEALTHCARE SERVICES LIMITED
LONDON MEDICAL BROKERS LIMITED
M & A HEALTHCARE PRODUCTS LIMITED
MARCUS CHRISTIAN LIMITED
PERFECT HEALTH INSURANCE SERVICES LIMITED
PLANHEALTH LTD
POSITIVELY HEALTHCARE LTD
POSITIVELY MONEY LTD
PRIVATE MEDICAL INSURANCE ADVISERS LIMITED
PRIVATE MEDICAL SOLUTIONS (UK) LIMITED
PRIVATE MEDICALCARE LIMITED
RED ARC ASSURED LIMITED
RIGHT TO HEALTH LIMITED
SIMPLY ASSURED LIMITED
SJS HEALTHCARE ASSOCIATES LIMITED
SOFTSWIFT LIMITED
ULTIMATE HEALTH LTD
WELLBEING HEALTH INSURANCE LTD
Samuel Hudson
RAC PENSION TRUSTEES LIMITED
RED ARC ASSURED LIMITED
Peter Murphy
ASTON LARK EMPLOYEE BENEFITS LIMITED
HOWDEN EMPLOYEE BENEFITS & WELLBEING HOLDINGS LIMITED
HOWDEN EMPLOYEE BENEFITS & WELLBEING LIMITED
RED ARC ASSURED LIMITED
WILLIS EMPLOYEE BENEFITS LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Sep-2023 28-Feb-2013 28-Feb-2012
Balance Sheet
Fixed Assets 85,658 85,658 58,997
Current Assets 1,764,515 1,764,515 1,146,978
Creditors Due Within One Year 1,081,735 1,081,735 686,384
Working Cap 682,780 682,780 460,594
Total Assets Less Current Liabilities 768,438 768,438 519,591
Long-term Liabilities 0 0 0
Net Assets 768,438 768,438 519,591
Share Capital & Reserves
Share Cap 10,000 10,000 10,000
Profit & Loss Reserves 758,438 758,438 509,591
Other Reserves 0 0 0
Shareholders Funds 768,438 768,438 519,591
Common Size Financial Analysis Unlock full report
Accounts Date 30-Sep-2023 28-Feb-2013 28-Feb-2012
Tangible Fixed Assets - - -
Fixed Assets 4.6% 4.6% 4.9%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 11.6% 11.6% 42.1%
Cash Bank In Hand 83.7% 83.7% 53.0%
Current Assets 95.4% 95.4% 95.1%
Creditors Due Within One Year 58.5% 58.5% 56.9%
Net Current Assets Liabilities 36.9% 36.9% 38.2%
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 41.5% 41.5% 43.1%
Called Up Share Capital 0.5% 0.5% 0.8%
Share Capital Allotted Called Up Paid 0.5% 0.5% 0.8%
Profit Loss Account Reserve 41.0% 41.0% 42.3%
Shareholder Funds 41.5% 41.5% 43.1%
Capital Employed - - -
Total Assets Less Current Liabilities 41.5% 41.5% 43.1%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Sep-2023 28-Feb-2013 28-Feb-2012
Liquidity Ratio 1.6 1.6 1.7
Solvency Ratio 1.7 1.7 1.8
Reserves to Assets 0.4 0.4 0.4
Secured Creditors Unlock full report
Mortgages Charges 7
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 5
Assets and Debt Analysis Unlock full report
Accounts Date 30-Sep-2023 28-Feb-2013 28-Feb-2012
Assets 1,850,173 1,850,173 1,205,975
Debt 1,081,735 1,081,735 686,384
Net Assets/Debt 768,438 768,438 519,591

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 company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. 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 the level of net assets suggests a comfortable level of cover for total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. 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 the level of net assets suggests a comfortable level of cover for total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   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 company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. 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 the level of net assets suggests a comfortable level of cover for total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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
Other Business around EC3A 5AF
No other companies found in the same location
Document Filings
Final Gazette dissolved via voluntary strike-off
First Gazette notice for voluntary strike-off
Application to strike the company off the register
Satisfaction of charge 030407370005 in full
Satisfaction of charge 030407370007 in full
Statement by Directors
Statement of capital on 12 March 2025
Solvency Statement dated 27/02/25
Resolutions
Satisfaction of charge 030407370006 in full
Termination of appointment of Jonathan Paul Cumpstey as a director on 1 October 2024
Termination of appointment of Ian Sawyer as a director on 1 October 2024
Termination of appointment of John David King as a director on 1 October 2024
Termination of appointment of Glenn Thomas as a director on 1 October 2024
Confirmation statement made on 30 September 2024 with no updates
Appointment of Mr Graeme Robert Manning as a secretary on 29 July 2024
Termination of appointment of Krystyna Ferguson as a secretary on 29 July 2024
Registration of charge 030407370007, created on 13 June 2024
Appointment of Mr Michael Dalby as a director on 16 January 2024
Certificate of change of name
Registered office address changed from 2 Des Roches Square Witney Oxfordshire OX28 4LE to One Creechurch Place London EC3A 5AF on 1 November 2023
Confirmation statement made on 30 September 2023 with updates
Director's details changed for Mr Jonathan Paul Cumpstey on 25 September 2023
Appointment of Mr Glenn Thomas as a director on 25 July 2023
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free