Company Overview
Gill Insurance & Finance Consultants Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 01 March 2000, so this is a well established company. Gill Insurance & Finance Consultants Ltd has been in business for 26 years and 1 month. The accounts status is unaudited abridged and the accounts are next due on Thursday 31 December 2026.
Registered Address

78 Tavistock Street, Bedford, Bedfordshire, MK40 2RP
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Companies House Data
Company NameGILL INSURANCE & FINANCE CONSULTANTS LTD
Company Number03936940
Registered Office Address78 Tavistock Street
 Bedford
 MK40 2RP
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date01/03/2000
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryUNAUDITED ABRIDGED
Returns Next Due Date29/03/2017
Returns Last Made Up Date01/03/2016
Directors & Members
Show Resigned
Sanjit Chowdrey - Director
(British, 48 years old, born October 1978)
Appointed 01 February 2020
 Active
Sukhpal Gill - Director
(British, 79 years old, born January 1947)
Appointed 01 March 2000
 Active
Narvin Powar - Director
(British, 42 years old, born June 1984)
Appointed 05 June 2018
 Active
Secretaries
Show Resigned
Davinder Gill - Secretary
(British)
Appointed 01 March 2000
 Active
Other Company Directorships
Sanjit Chowdrey
SPG 26 LTD
Sukhpal Gill
SPG 26 LTD
Narvin Powar
POWSAN LTD
SPG 26 LTD
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 7,062 7,062 6,726
Current Assets 502,927 502,927 460,135
Creditors Due Within One Year 283,416 283,416 410,617
Working Cap 219,511 219,511 49,518
Total Assets Less Current Liabilities 226,573 226,573 56,244
Long-term Liabilities 22,966 22,966 32,892
Net Assets 203,607 203,607 23,352
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 203,607 203,607 23,352
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 1.4% 1.4% 1.4%
Stocks Inventory - - -
Debtors 0.8% 0.8% 7.0%
Cash Bank In Hand 97.8% 97.8% 91.5%
Current Assets 98.6% 98.6% 98.6%
Creditors Due Within One Year 55.6% 55.6% 88.0%
Net Current Assets Liabilities 43.0% 43.0% 10.6%
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 39.9% 39.9% 5.0%
Capital Employed - - -
Total Assets Less Current Liabilities 44.4% 44.4% 12.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Liquidity Ratio 1.8 1.8 1.1
Solvency Ratio 1.7 1.7 1.1
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-Mar-2025 31-Mar-2023 31-Mar-2022
Assets 509,989 509,989 466,861
Debt 306,382 306,382 443,509
Net Assets/Debt 203,607 203,607 23,352

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
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TELOPEA MANAGED SERVICES LIMITED
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MOSSALA MERCHANT LIMITED
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Document Filings
Confirmation statement made on 1 March 2026 with no updates
Confirmation statement made on 1 March 2025 with no updates
Confirmation statement made on 1 March 2024 with no updates
Director's details changed for Mrs Narvin Powar on 26 July 2023
Director's details changed for Ms Sanjit Kaur Chowdrey on 26 July 2023
Confirmation statement made on 1 March 2023 with updates
Notification of Davinder Gill as a person with significant control on 1 March 2023
Change of details for Mr Sukhpal Singh Gill as a person with significant control on 1 March 2023
Confirmation statement made on 1 March 2022 with no updates
Confirmation statement made on 1 March 2021 with no updates
Appointment of Ms Sanjit Kaur Chowdrey as a director on 1 February 2020
Confirmation statement made on 1 March 2020 with no updates
Confirmation statement made on 1 March 2019 with no updates
Appointment of Mrs Narvin Powar as a director on 5 June 2018
Confirmation statement made on 1 March 2018 with no updates
Confirmation statement made on 1 March 2017 with updates
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