BRIGHTSIDE INSURANCE SERVICES LIMITED Credit Check Report

Company Overview

Brightside Insurance Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 08 January 2001, so this is a well established company. Brightside Insurance Services Limited has been in business for 25 years and 2 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.

Registered Address

45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB

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Companies House Data

Company Name	BRIGHTSIDE INSURANCE SERVICES LIMITED
Company Number	04137311
Registered Office Address	45 Westerham Road
	Bessels Green
	TN13 2QB
Company Category	Private Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	08/01/2001
Accounting Reference Date Day	31
Accounting Reference Date Month	12
Accounts Next Due Date	30/09/2026
Accounts Last Made Up Date	31/12/2024
Accounts Account Category	FULL
Returns Next Due Date	28/12/2016
Returns Last Made Up Date	30/11/2015

Previous Company Name	Changed Date
COMMERCIAL VEHICLE DIRECT INSURANCE SERVICES LIMITED	23 Apr 2013

Directors & Members

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	Craig Ball - Director (British, 54 years old, born February 1972) Appointed 26 June 2024, Resigned 07 March 2025	Resigned
	Arron Banks - Director (British, 60 years old, born March 1966) Appointed 08 January 2001, Resigned 28 September 2005	Resigned
	Kate Banks - Director (British, 57 years old, born October 1969) Appointed 05 February 2014, Resigned 02 April 2015	Resigned
	Keith Barber - Director (British, 52 years old, born May 1974) Appointed 12 April 2021, Resigned 13 March 2024	Resigned
	Ellie Barlow - Director (British, 44 years old, born July 1982) Appointed 01 November 2023, Resigned 31 January 2025	Resigned
	Ross Barrington - Director (British, 46 years old, born April 1980) Appointed 12 April 2021, Resigned 26 June 2024	Resigned
	Richard Beaven - Director (English, 65 years old, born October 1961) Appointed 10 May 2019, Resigned 23 April 2021	Resigned
	Russell Bence - Director (British, 53 years old, born January 1973) Appointed 10 May 2016, Resigned 16 August 2019	Resigned
	Giovanni Castagno - Director (Italian, 68 years old, born December 1958) Appointed 01 November 2023, Resigned 15 February 2024	Resigned
	Paul Chase Gardener - Director (British, 72 years old, born September 1954) Appointed 28 September 2005, Resigned 05 November 2014	Resigned
	Mark Cliff - Director (British, 65 years old, born September 1961) Appointed 01 October 2015, Resigned 20 August 2018	Resigned
	Christopher Collings - Director (British, 71 years old, born July 1955) Appointed 12 April 2021, Resigned 12 April 2021	Resigned
	Christopher Collings - Director (British, 71 years old, born July 1955) Appointed 14 July 2021, Resigned 28 February 2026	Resigned
	Matthew Donaldson - Director (British, 53 years old, born July 1973) Appointed 06 September 2021, Resigned 29 March 2023	Resigned
	Ian Donaldson - Director (British, 52 years old, born January 1974) Appointed 26 June 2024, Resigned 07 March 2025	Resigned
	James Fairhurst - Director (British, 52 years old, born October 1974) Appointed 01 October 2015, Resigned 31 December 2016	Resigned
	John Gannon - Director (British, 64 years old, born August 1962) Appointed 08 January 2001, Resigned 01 May 2013	Resigned
	John Henry - Director (British, 52 years old, born December 1974) Appointed 23 December 2019, Resigned 26 April 2021	Resigned
	Martyn Holman - Director (British, 66 years old, born March 1960) Appointed 25 March 2013, Resigned 31 December 2013	Resigned
	Andrew Jackson - Director (British, 66 years old, born April 1960) Appointed 01 May 2013, Resigned 31 March 2015	Resigned
	John Jackson - Director (British, 73 years old, born November 1953) Appointed 12 April 2021, Resigned 14 July 2021	Resigned
	Simon Jones - Director (British, 57 years old, born May 1969) Appointed 25 March 2013, Resigned 19 January 2015	Resigned
	Catherine Lewis - Director (British, 62 years old, born September 1964) Appointed 26 June 2024, Resigned 20 June 2025	Resigned
	Feilim MacKle - Director (Irish, 59 years old, born July 1967) Appointed 01 August 2025	Active
	Brendan McCafferty - Director (British, 59 years old, born June 1967) Appointed 20 August 2018, Resigned 26 April 2021	Resigned
	Desmond O'connor - Director (British, 55 years old, born October 1971) Appointed 24 February 2015, Resigned 27 January 2016	Resigned
	Tushar Patel - Director (British, 54 years old, born October 1972) Appointed 01 August 2025	Active
	Emma Rawlinson - Director (British, 46 years old, born September 1980) Appointed 07 March 2025	Active
	Gavin Rowe - Director (British, 52 years old, born May 1974) Appointed 12 April 2021, Resigned 31 August 2022	Resigned
	Craig Scarr - Director (British, 64 years old, born June 1962) Appointed 01 January 2024, Resigned 15 February 2024	Resigned
	Rebecca Shepherd - Director (British, 48 years old, born March 1978) Appointed 26 June 2024, Resigned 01 August 2025	Resigned

Secretaries

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	John Gannon - Secretary (British) Appointed 08 January 2001, Resigned 12 July 2002	Resigned
	David Herrmann - Secretary (Other) Appointed 01 June 2009, Resigned 16 June 2014	Resigned
	Graham Johnston - Secretary Appointed 21 July 2014, Resigned 22 January 2016	Resigned
	Christopher Payne - Secretary Appointed 25 June 2021	Active

Other Company Directorships

Feilim MacKle
ARDONAGH ADVISORY MGA HOLDINGS LIMITED
ARDONAGH SPECIALTY MGA HOLDINGS LIMITED
ARDTREA SERVICES LTD
GLOBE UNDERWRITING LIMITED

Balance Sheet

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Common Size Financial Analysis

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Secured Creditors

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Public Record Information

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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

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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

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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

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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

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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)

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

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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

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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 TN13 2QB

	CONNECT CENTRE LIMITED 45 WESTERHAM ROAD, BESSELS GREEN, SEVENOAKS, KENT, TN13 2QB
	55VS NO 1 LIMITED MARKERSTUDY HOUSE 45 WESTERHAM ROAD, BESSELS GREEN, SEVENOAKS, KENT, TN13 2QB
	ASA BROKING LIMITED 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB
	WESSEX INSURANCE FUNDING LIMITED 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB
	THE LODGE COFFEE SHOPS LTD UNIT 9 APSLEY FARM WILDERWICK ROAD, DORMANSLAND, EAST GRINSTEAD, SURREY, TN13 2QB
	LONSDALE EMERALD LIMITED 45 WESTERHAM ROAD, BESSELS GREEN, SEVENOAKS, KENT, TN13 2QB
	SYNCHRONICITY INSURANCE SOLUTIONS LIMITED 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB
	LIONHEART INSURANCE SERVICES LTD 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB
	BISHOPS INVESTMENTS LIMITED 45 WESTERHAM ROAD, BESSELS GREEN, SEVENOAKS, KENT, TN13 2QB
	ONE WARWICK PARK LIMITED 45 WESTERHAM ROAD, BESSELS GREEN, SEVENOAKS, KENT, TN13 2QB

Document Filings

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