Company Overview
European Life Settlement Association is listed at the official companies registry as Active Private Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption. The company was incorporated on Thursday 05 August 1999, so this is a well established company. European Life Settlement Association has been in business for 26 years and 7 months. The accounts status is unaudited abridged and the accounts are next due on Monday 31 May 2027.
Registered Address

97 Fable Apartments 261C City Road, London, EC1V 1AP
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 NameEUROPEAN LIFE SETTLEMENT ASSOCIATION
Company Number03819856
Registered Office Address97 Fable Apartments 261c City Road
 EC1V 1AP
Company CategoryPrivate Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date05/08/1999
Accounting Reference Date Day31
Accounting Reference Date Month8
Accounts Next Due Date31/05/2027
Accounts Last Made Up Date31/08/2025
Accounts Account CategoryUNAUDITED ABRIDGED
Returns Next Due Date02/09/2016
Returns Last Made Up Date05/08/2015
Previous Company NameChanged Date
BUSINESS AGAINST PREJUDICE LTD22 Apr 2009
Directors & Members
Show Resigned
Ioan Roberts - Director
(British, 52 years old, born November 1974)
Appointed 12 November 2025
 Active
Christopher Stuart - Director
(British, 55 years old, born August 1971)
Appointed 17 July 2024
 Active
Christopher Wells - Director
(British, 40 years old, born March 1986)
Appointed 19 December 2018
 Active
Secretaries
Show Resigned
Other Company Directorships
Ioan Roberts
No companies found
Christopher Stuart
No companies found
Christopher Wells
ITSA DESIGN LIMITED
ITSA GROUP LTD
ITSA HOUSE LTD
ITSA STUDIO LIMITED
ITSA STYLE LIMITED
SAINT NICS CIC
Balance Sheet Unlock full report
Accounts Date 31-Aug-2025 31-Aug-2022 31-Aug-2021
Balance Sheet
Fixed Assets 0 0 0
Current Assets 300,466 300,466 227,058
Creditors Due Within One Year 35,385 35,385 6,736
Working Cap 265,081 265,081 220,322
Total Assets Less Current Liabilities 265,081 265,081 220,322
Long-term Liabilities 0 0 0
Net Assets 265,081 265,081 220,322
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 265,081 265,081 220,322
Common Size Financial Analysis Unlock full report
Accounts Date 31-Aug-2025 31-Aug-2022 31-Aug-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors 8.7% 8.7% 10.3%
Cash Bank In Hand 91.3% 91.3% 89.7%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 11.8% 11.8% 3.0%
Net Current Assets Liabilities 88.2% 88.2% 97.0%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 88.2% 88.2% 97.0%
Capital Employed - - -
Total Assets Less Current Liabilities 88.2% 88.2% 97.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Aug-2025 31-Aug-2022 31-Aug-2021
Liquidity Ratio 8.5 8.5 33.7
Solvency Ratio 8.5 8.5 33.7
Reserves to Assets - - -
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-Aug-2025 31-Aug-2022 31-Aug-2021
Assets 300,466 300,466 227,058
Debt 35,385 35,385 6,736
Net Assets/Debt 265,081 265,081 220,322

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 EC1V 1AP
HEADS & VOLLEYS ENTERTAINMENT LIMITED
167-169 GREAT PORTLAND STREET, 5TH FLOOR, LONDON, EC1V 1AP
NODS & VOLLEYS ENTERTAINMENT LIMITED
167-169 Great Portland Street, 5th Floor, London, EC1V 1AP
DAVID’S FLUTE ENTERTAINMENT LIMITED
167-169 Great Portland Street, 5th Floor, London, EC1V 1AP
YOUR COLLECTIVE LIMITED
94 Fable Apartments 261c City Road, London, EC1V 1AP
PINA COLADA PRODUCTIONS LIMITED
7 Hall Farm Close, Hixon, Stafford, EC1V 1AP
WE ARE BUZZERS MEDIA LIMITED
7 HALL FARM CLOSE, HIXON, STAFFORD, EC1V 1AP
SK PR LTD
Flat 42 Fable Apartments, 261c City Road, London, EC1V 1AP
Document Filings
Registered office address changed from 97 Fable Apartments 261C City Road London EC1V 1AP United Kingdom to 11 st Nicholas Street Suite 202 Dorset Weymouth DT4 8AA on 12 February 2026
Appointment of Mr Ioan David Roberts as a director on 12 November 2025
Director's details changed for Mr Christopher David Wells on 23 September 2025
Confirmation statement made on 5 August 2025 with updates
Director's details changed for Mr Christopher David Wells on 2 August 2025
Confirmation statement made on 5 August 2024 with no updates
Appointment of Mr Christopher Stuart as a director on 17 July 2024
Termination of appointment of Alec David Taylor as a director on 17 July 2024
Confirmation statement made on 5 August 2023 with updates
Confirmation statement made on 5 August 2022 with no updates
Confirmation statement made on 5 August 2021 with updates
Confirmation statement made on 5 August 2020 with updates
Registered office address changed from 97 97 Fable Apartments 261C City Road London EC1V 1AP United Kingdom to 97 Fable Apartments 261C City Road London EC1V 1AP on 14 January 2020
Confirmation statement made on 5 August 2019 with no updates
Appointment of Mr Christopher David Wells as a director on 19 December 2018
Termination of appointment of Patrick Mcadams as a director on 19 December 2018
Registered office address changed from C/O Cjam Ltd, Peershaws Berewyk Hall Court White Colne Colchester Essex CO6 2QB England to 97 97 Fable Apartments 261C City Road London EC1V 1AP on 4 December 2018
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free