Company Overview
Millstream Underwriting Ltd. is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 17 December 1999, so this is a well established company. Millstream Underwriting Ltd. has been in business for 26 years and 3 months. The accounts status is audit exemption subsidiary and the accounts are next due on Wednesday 30 September 2026.
Registered Address

52-56 Leadenhall Street, London, EC3A 2EB
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Companies House Data
Company NameMILLSTREAM UNDERWRITING LTD.
Company Number03896220
Registered Office Address52-56 Leadenhall Street
 EC3A 2EB
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date17/12/1999
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryAUDIT EXEMPTION SUBSIDIARY
Returns Next Due Date14/01/2017
Returns Last Made Up Date17/12/2015
Directors & Members
Show Resigned
Roberto Amati - Director
(British, 44 years old, born February 1982)
Appointed 05 March 2019
 Active
Richard Marriage - Director
(British, 52 years old, born May 1974)
Appointed 14 June 2023
 Active
Secretaries
Show Resigned
Andrew Hunter - Secretary
Appointed 31 December 2024
 Active
Other Company Directorships
Roberto Amati
MSTREAM LIMITED
Richard Marriage
EBA INSURANCE SERVICES LIMITED
NEXUS TRADE CREDIT INFORMATION SERVICES LIMITED
NEXUS UNDERWRITING LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Balance Sheet
Fixed Assets 51,078 51,078 60,541
Current Assets 2,034,054 2,034,054 1,450,965
Creditors Due Within One Year 1,586,488 1,586,488 1,233,710
Working Cap 447,566 447,566 217,255
Total Assets Less Current Liabilities 498,644 498,644 277,796
Long-term Liabilities 10,000 10,000 105,415
Net Assets 488,644 488,644 172,381
Share Capital & Reserves
Share Cap 15,000 15,000 15,000
Profit & Loss Reserves 473,644 473,644 157,381
Other Reserves 0 0 0
Shareholders Funds 488,644 488,644 172,381
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Tangible Fixed Assets - - -
Fixed Assets 2.4% 2.4% 4.0%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 4.6% 4.6% 4.2%
Cash Bank In Hand 53.7% 53.7% 65.0%
Current Assets 97.6% 97.6% 96.0%
Creditors Due Within One Year 76.1% 76.1% 81.6%
Net Current Assets Liabilities 21.5% 21.5% 14.4%
Creditors Due After One Year 0.5% 0.5% 7.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 23.4% 23.4% 11.4%
Called Up Share Capital 0.7% 0.7% 1.0%
Share Capital Allotted Called Up Paid 0.7% 0.7% 1.0%
Profit Loss Account Reserve 22.7% 22.7% 10.4%
Shareholder Funds 23.4% 23.4% 11.4%
Capital Employed - - -
Total Assets Less Current Liabilities 23.9% 23.9% 18.4%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Liquidity Ratio 1.3 1.3 1.2
Solvency Ratio 1.3 1.3 1.1
Reserves to Assets 0.2 0.2 0.1
Secured Creditors Unlock full report
Mortgages Charges 6
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 6
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Assets 2,085,132 2,085,132 1,511,506
Debt 1,596,488 1,596,488 1,339,125
Net Assets/Debt 488,644 488,644 172,381

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. 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.The current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. 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.The current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. 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 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 2EB
NEXUS CIFS LIMITED
52-56 LEADENHALL STREET, LONDON, EC3A 2EB
ED BROKING (UK) LIMITED
2 MINSTER COURT, MINCING LANE, LONDON, EC3A 2EB
BPL (HOLDINGS) LIMITED
52 LIME STREET, LONDON, EC3A 2EB
NEXUS PROFESSIONAL RISKS LIMITED
52-56 LEADENHALL STREET, LONDON, EC3A 2EB
EQUINOX GLOBAL LIMITED
THE HALLMARK BUILDING, 52 LEADENHALL STREET, LONDON, EC3A 2EB
RUDD HUNTLEY & TATE LIMITED
52 LIME STREET, LONDON, EC3A 2EB
ED BROKING LLP
2 MINSTER COURT, MINCING LANE, LONDON, EC3A 2EB
ED BROKING HOLDINGS LLP
2 MINSTER COURT, MINCING LANE, LONDON, EC3A 2EB
XENIA BROKING LIMITED
7TH FLOOR CORN EXCHANGE, 55 MARK LANE, LONDON, EC3A 2EB
GLOBE UNDERWRITING LIMITED
2 MINSTER COURT, MINCING LANE, LONDON, EC3A 2EB
Document Filings
Confirmation statement made on 2 December 2025 with updates
Consolidated accounts of parent company for subsidiary company period ending 31/12/24
Audit exemption statement of guarantee by parent company for period ending 31/12/24
Notice of agreement to exemption from audit of accounts for period ending 31/12/24
Termination of appointment of Stuart Mark Rouse as a director on 5 September 2025
Appointment of Mr Andrew Stewart Hunter as a secretary on 31 December 2024
Termination of appointment of Teresa Jane Furmston as a secretary on 31 December 2024
Confirmation statement made on 2 December 2024 with no updates
Termination of appointment of Colin William Thompson as a director on 21 August 2024
Termination of appointment of Martin John Mills as a director on 29 February 2024
Confirmation statement made on 2 December 2023 with no updates
Satisfaction of charge 038962200006 in full
Appointment of Mr Richard Neville Marriage as a director on 14 June 2023
Satisfaction of charge 038962200004 in full
Satisfaction of charge 038962200005 in full
Confirmation statement made on 2 December 2022 with no updates
Termination of appointment of Karen Anne Morris as a director on 28 February 2022
Confirmation statement made on 2 December 2021 with no updates
Resolutions
Memorandum and Articles of Association
Termination of appointment of Timothy John Brangwyn as a director on 19 October 2021
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