Company Overview
Gallagher Risk & Reward Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 18 October 1996, so this is a well established company. Gallagher Risk & Reward Limited has been in business for 29 years and 5 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

The Walbrook Building, 25 Walbrook, London, EC4N 8AW
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Companies House Data
Company NameGALLAGHER RISK & REWARD LIMITED
Company Number03265272
Registered Office AddressThe Walbrook Building
 25 Walbrook
 EC4N 8AW
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date18/10/1996
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 Date27/07/2017
Returns Last Made Up Date29/06/2016
Previous Company NameChanged Date
RISK & REWARD CONSULTING LIMITED15 Nov 2011
Directors & Members
Show Resigned
Maurice Brunet - Director
(British, 68 years old, born February 1958)
Appointed 28 April 2016
 Active
Alistair Dornan - Director
(British, 50 years old, born May 1976)
Appointed 09 January 2026
 Active
David Piltz - Director
(British, 52 years old, born October 1974)
Appointed 30 January 2024
 Active
Simon Waugh - Director
(British, 68 years old, born April 1958)
Appointed 28 April 2016
 Active
Secretaries
Show Resigned
Other Company Directorships
Maurice Brunet
GALLAGHER ACTUARIAL CONSULTANTS LIMITED
GALLAGHER BENEFIT SERVICES (HOLDINGS) LIMITED
Alistair Dornan
GALLAGHER BENEFIT SERVICES MANAGEMENT COMPANY LIMITED
HLA PERFORMANCE LIMITED
JAMES AND MILLIE LTD
David Piltz
GALLAGHER BENEFIT SERVICES (HOLDINGS) LIMITED
GALLAGHER BENEFIT SERVICES MANAGEMENT COMPANY LIMITED
GALLAGHER COMMUNICATION LIMITED
REDINGTON LIMITED
Simon Waugh
ARGENTIS FINANCIAL MANAGEMENT LIMITED
GALLAGHER ACTUARIAL CONSULTANTS LIMITED
GALLAGHER BENEFIT SERVICES (HOLDINGS) LIMITED
GALLAGHER BENEFIT SERVICES MANAGEMENT COMPANY LIMITED
GALLAGHER COMMUNICATION LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Balance Sheet
Fixed Assets 8,005 8,005 19,562
Current Assets 2,641,815 2,641,815 2,070,002
Creditors Due Within One Year 1,592,142 1,592,142 1,493,864
Working Cap 1,049,673 1,049,673 576,138
Total Assets Less Current Liabilities 1,057,678 1,057,678 595,700
Long-term Liabilities 0 0 0
Net Assets 1,057,678 1,057,678 595,700
Share Capital & Reserves
Share Cap 10,075 10,075 10,075
Profit & Loss Reserves 1,047,603 1,047,603 585,625
Other Reserves 0 0 0
Shareholders Funds 1,057,678 1,057,678 595,700
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Tangible Fixed Assets - - -
Fixed Assets 0.3% 0.3% 0.9%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 87.5% 87.5% 78.4%
Cash Bank In Hand 12.2% 12.2% 20.7%
Current Assets 99.7% 99.7% 99.1%
Creditors Due Within One Year 60.1% 60.1% 71.5%
Net Current Assets Liabilities 39.6% 39.6% 27.6%
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 39.9% 39.9% 28.5%
Called Up Share Capital 0.4% 0.4% 0.5%
Share Capital Allotted Called Up Paid 0.4% 0.4% 0.5%
Profit Loss Account Reserve 39.5% 39.5% 28.0%
Shareholder Funds 39.9% 39.9% 28.5%
Capital Employed - - -
Total Assets Less Current Liabilities 39.9% 39.9% 28.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Liquidity Ratio 1.7 1.7 1.4
Solvency Ratio 1.7 1.7 1.4
Reserves to Assets 0.4 0.4 0.3
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Assets 2,649,820 2,649,820 2,089,564
Debt 1,592,142 1,592,142 1,493,864
Net Assets/Debt 1,057,678 1,057,678 595,700

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.

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 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.

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 EC4N 8AW
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ORB FINANCIAL SERVICES LIMITED
The Walbrook Building, 25 Walbrook, London, EC4N 8AW
BLENHEIM PARK LIMITED
The Walbrook Building, 25 Walbrook, London, EC4N 8AW
GALLAGHER BENEFIT SERVICES (HOLDINGS) LIMITED
THE WALBROOK BUILDING, 25 WALBROOK, LONDON, EC4N 8AW
ROBINSON LESLIE LIMITED
The Walbrook Building, 25 Walbrook, London, EC4N 8AW
OVAL EBT TRUSTEES LIMITED
THE WALBROOK BUILDING, 25 WALBROOK, LONDON, EC4N 8AW
ACUMUS INTERCO LIMITED
The Walbrook Building, 25 Walbrook, London, EC4N 8AW
GALLAGHER COMMUNICATION LIMITED
THE WALBROOK BUILDING, 25 WALBROOK, LONDON, EC4N 8AW
CONTEGO UNDERWRITING LIMITED
The Walbrook Building, 25 Walbrook, London, EC4N 8AW
ARGENTIS FINANCIAL GROUP LIMITED
THE WALBROOK BUILDING, 25 WALBROOK, LONDON, EC4N 8AW
Document Filings
Appointment of Mr Alistair John Dornan as a director on 9 January 2026
Termination of appointment of Steven Andrew Threader as a director on 1 January 2026
Confirmation statement made on 29 June 2025 with no updates
Termination of appointment of Alistair Charles Peel as a secretary on 26 July 2024
Confirmation statement made on 29 June 2024 with no updates
Appointment of Mr David Geoffrey Piltz as a director on 30 January 2024
Termination of appointment of William Frederick Ziebell as a director on 1 January 2024
Termination of appointment of Leslie Arman Lemenager as a director on 1 January 2024
Change of details for Gallagher Benefit Services Management Company Limited as a person with significant control on 6 April 2016
Confirmation statement made on 29 June 2023 with no updates
Appointment of William Frederick Ziebell as a director on 2 June 2023
Termination of appointment of Andrew Thomas Maxwell as a director on 31 January 2023
Termination of appointment of Nicholas Mackenzie Herbert Burns as a director on 30 November 2022
Confirmation statement made on 29 June 2022 with no updates
Confirmation statement made on 29 June 2021 with no updates
Termination of appointment of Andrew John French as a director on 31 March 2021
Termination of appointment of Matthew Lucas as a director on 31 August 2020
Confirmation statement made on 29 June 2020 with no updates
Second filing for the appointment of Steven Andrew Threader as a director
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