Company Overview
Independent Services Group Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 09 May 2001, so this is a well established company. Independent Services Group Limited has been in business for 24 years and 10 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

5 Churchwell Avenue, Easthorpe, Colchester, CO5 9HN
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Companies House Data
Company NameINDEPENDENT SERVICES GROUP LIMITED
Company Number04212782
Registered Office Address5 Churchwell Avenue
 Easthorpe
 CO5 9HN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date09/05/2001
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date06/06/2017
Returns Last Made Up Date09/05/2016
Directors & Members
Show Resigned
Malcolm Cox - Director
(British, 77 years old, born June 1949)
Appointed 09 December 2009
 Active
David Pye - Director
(British, 79 years old, born July 1947)
Appointed 01 July 2008
 Active
Nicholas Readings - Director
(British, 74 years old, born June 1952)
Appointed 09 May 2001
 Active
Secretaries
Patricia Hannam - Secretary
(British)
Appointed 09 May 2001
 Active
Other Company Directorships
Malcolm Cox
A.E. GRANT (UNDERWRITING AGENCIES) LIMITED
ANGEL RISK MANAGEMENT LIMITED
CHAUCER SYNDICATES LIMITED
CHUBB EUROPEAN GROUP PLC
CHUBB UNDERWRITING AGENCIES LIMITED
CINCINNATI GLOBAL UNDERWRITING AGENCY LIMITED
DENHAM DIRECT UNDERWRITERS LIMITED
DENHAM SYNDICATE MANAGEMENT LIMITED
ISG ADVISORY SERVICES LTD
ISG-IT LIMITED
LLOYD'S MARKET ASSOCIATION
PET DIRECT LIMITED
TISG LIMITED
TRAVELERS SPECIAL SERVICES LIMITED
David Pye
A TO B MOBILITY LTD
ANDREWS WILLIS LIMITED
AVIATION & GENERAL INSURANCE COMPANY LIMITED
CANOPIUS MANAGING AGENTS LIMITED
COMMUNITY REINSURANCE CORPORATION LIMITED
CREECHURCH HOLDINGS LIMITED
CREECHURCH SERVICES LIMITED
CREECHURCH UNDERWRITING LIMITED
GLOBAL AEROSPACE UNDERWRITING MANAGERS LIMITED
GRACECHURCH UTG NO. 422 LIMITED
GRACECHURCH UTG NO. 423 LIMITED
GRACECHURCH UTG NO. 424 LIMITED
HASTINGS INSURANCE SERVICES LIMITED
IAG UK HOLDINGS LIMITED
INDEPENDENT BROKING SOLUTIONS LIMITED
INDEPENDENT LONDON MARKET SERVICES LIMITED
INDIGO UNDERWRITERS LTD
INSTITUTE OF LONDON UNDERWRITERS
INTERNATIONAL UNDERWRITING ASSOCIATION OF LONDON LIMITED
IQUW SYNDICATE MANAGEMENT LIMITED
ISG ADVISORY SERVICES LTD
J.P. MORGAN PERSONAL INVESTING LIMITED
LONDON AND EDINBURGH INSURANCE COMPANY LIMITED
MGA CAPITAL LIMITED
SOMBORNE SERVICES LTD
VAVE DIGITAL SERVICES LIMITED
Nicholas Readings
A.U. GROUP BROKERS LIMITED
AJ BROKERS LIMITED
ALL IN THE SAME BOAT LIMITED
AMBER INSURANCE BROKERS LIMITED
AMERICOVER LIMITED
ANDREWS WILLIS LIMITED
APPOINTED REPRESENTATIVE 1 LIMITED
BRIGHTLINGSEA BOATING ACADEMY LIMITED
CEDE TRADING LIMITED
CLASSIC DINGHY SAILING LIMITED
COLLIER & GLYNNE LIMITED
COMPLETE MOTOR SOLUTIONS LIMITED
CORNERSTONE INSURANCE BROKERS LIMITED
DVKA CONSULTANTS LIMITED
EPIC INSURANCE SERVICES LIMITED
EWI RE (UK) LIMITED
FATCA LIMITED
INDEPENDENT BROKING SOLUTIONS LIMITED
INDEPENDENT LONDON MARKET SERVICES LIMITED
INDEPENDENT MARKET SOLUTIONS LIMITED
INDEPENDENT SALES & MARKETING LIMITED
ISG ADVISORY SERVICES LTD
MGA CAPITAL LIMITED
O2 MANAGEMENT SOLUTIONS LIMITED
P D ADVISORY LIMITED
REMETIS LIMITED
RYAN MOTORSPORT INSURANCE LIMITED
SCANDINAVIAN CAPITAL SOLUTIONS LIMITED
SU VINO INTERMEDIARIES UK LIMITED
TIER HALL LIMITED
TISG LIMITED
U.S. RE EUROPE HOLDINGS LIMITED
USA RISK INTERMEDIARIES (UK) LIMITED
W-8BEN LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 610,628 610,628 612,030
Current Assets 626,928 626,928 708,207
Creditors Due Within One Year 934,906 934,906 957,300
Working Cap -307,978 -307,978 -249,093
Total Assets Less Current Liabilities 302,650 302,650 362,937
Long-term Liabilities 30,746 30,746 40,493
Net Assets 271,904 271,904 322,444
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 271,904 271,904 322,444
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 49.3% 49.3% 46.4%
Stocks Inventory - - -
Debtors 50.7% 50.7% 53.6%
Cash Bank In Hand - - 0.0%
Current Assets 50.7% 50.7% 53.6%
Creditors Due Within One Year 75.5% 75.5% 72.5%
Net Current Assets Liabilities -24.9% -24.9% -18.9%
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 22.0% 22.0% 24.4%
Capital Employed - - -
Total Assets Less Current Liabilities 24.5% 24.5% 27.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 0.7 0.7 0.7
Solvency Ratio 1.3 1.3 1.3
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 4
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 1,237,556 1,237,556 1,320,237
Debt 965,652 965,652 997,793
Net Assets/Debt 271,904 271,904 322,444

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.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. 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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. 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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. 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 CO5 9HN
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4 Churchwell Avenue, Easthorpe, Colchester, CO5 9HN
SB DEBT SOLUTIONS LIMITED
12 Whitegates Court, Little Clacton, Clacton-On-Sea, Essex, CO5 9HN
Document Filings
Registered office address changed from 150 Minories London EC3N 1LS England to 5 Churchwell Avenue Easthorpe Colchester CO5 9HN on 9 June 2025
Confirmation statement made on 9 May 2025 with no updates
Confirmation statement made on 9 May 2024 with no updates
Confirmation statement made on 9 May 2023 with no updates
Registered office address changed from Unit 2 Kildegaard Business Park Easthorpe Road Easthorpe Colchester Essex CO5 9HE England to 150 Minories London EC3N 1LS on 17 June 2022
Confirmation statement made on 9 May 2022 with no updates
Confirmation statement made on 9 May 2021 with no updates
Confirmation statement made on 9 May 2020 with no updates
Confirmation statement made on 9 May 2019 with no updates
Termination of appointment of Jason Edward Tuckley as a director on 1 April 2019
Termination of appointment of Angus William Sandeman as a director on 2 April 2019
Confirmation statement made on 9 May 2018 with no updates
Confirmation statement made on 9 May 2017 with updates
Satisfaction of charge 1 in full
Satisfaction of charge 2 in full
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