Company Overview
Cumbria Insurance Brokers Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 15 April 2002, so this is a well established company. Cumbria Insurance Brokers Limited has been in business for 23 years and 11 months. The accounts status is audit exemption subsidiary and the accounts are next due on Wednesday 30 September 2026.
Registered Address

5 Clifford Court, Cooper Way, Carlisle, Cumbria, CA3 0JG
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Companies House Data
Company NameCUMBRIA INSURANCE BROKERS LIMITED
Company Number04417043
Registered Office Address5 Clifford Court
 Cooper Way
 CA3 0JG
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date15/04/2002
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 Date13/05/2017
Returns Last Made Up Date15/04/2016
Directors & Members
Show Resigned
Simon Bland - Director
(British, 60 years old, born December 1966)
Appointed 11 August 2021
 Active
Marc Coster - Director
(British, 48 years old, born June 1978)
Appointed 04 March 2025
 Active
John Page - Director
(British, 60 years old, born March 1966)
Appointed 11 August 2021
 Active
Secretaries
Show Resigned
Alistair Peel - Secretary
Appointed 20 July 2025
 Active
Other Company Directorships
Simon Bland
A & B HOLDINGS LIMITED
ABBOTT & BRAMWELL LIMITED
ARB BROKERS HOLDINGS LIMITED
ARB INTERNATIONAL LIMITED
CHANNING LUCAS HOLDING LIMITED
CORPORATE INSURANCE BROKERS LIMITED
D 2 CORPORATE SOLUTIONS LIMITED
DAVID ROBERTS & PARTNERS (EMPLOYEE BENEFITS) LTD
DOVER STREET INSURANCE BROKERS LIMITED
DR & P GROUP LIMITED
F. BERRY (LEYLAND) LIMITED
IFS RISK SOLUTIONS LTD
INTELLIGENT FLOW MANAGEMENT LTD
INTERNATIONAL MARINE SPECIALISTS LIMITED
J.J. YATES & COMPANY LIMITED
LEADENHALL PARTNERSHIPS LTD
LLOYD BOLAM INSURANCE BROKERS LTD
LUCAS & PARTNERS LTD
M.G INSURANCE CONSULTANTS LIMITED
MGIC HOLDINGS LIMITED
MOSTLOAD TRADING LIMITED
PDC HOLDINGS LIMITED
PROJECT FLIGHT BIDCO LIMITED
PROJECT FLIGHT TOPCO LIMITED
PROJECT HAMMOND BIDCO LIMITED
PROJECT HAMMOND MIDCO 1 LIMITED
PROJECT HAMMOND MIDCO 2 LIMITED
PROJECT HAMMOND TOPCO LIMITED
RADIUS (I.B.) LIMITED
SECTOR ASSOCIATES LTD
SMART BUSINESS LINK LIMITED
SMITH ROBINSON LTD
SRM ACQUISITIONS LIMITED
THURSTONE LTD
Marc Coster
ABBOTT & BRAMWELL LIMITED
ARB BROKERS HOLDINGS LIMITED
ARB INTERNATIONAL LIMITED
CHANNING LUCAS & PARTNERS LIMITED
D 2 CORPORATE SOLUTIONS LIMITED
DAVID ROBERTS & PARTNERS (EMPLOYEE BENEFITS) LTD
DAVID ROBERTS & PARTNERS (INSURANCE BROKERS) LIMITED
DAVID ROBERTS & PARTNERS (YORK) LTD
DOVER STREET INSURANCE BROKERS LIMITED
DR & P GROUP LIMITED
F. BERRY (LEYLAND) LIMITED
INTERNATIONAL MARINE SPECIALISTS LIMITED
J.J. YATES & COMPANY LIMITED
LEADENHALL PARTNERSHIPS LTD
LLOYD BOLAM INSURANCE BROKERS LTD
LUCAS & PARTNERS LTD
M.G INSURANCE CONSULTANTS LIMITED
MGIC HOLDINGS LIMITED
PDC HOLDINGS LIMITED
RADIUS (I.B.) LIMITED
SECTOR ASSOCIATES LTD
SMITH ROBINSON LTD
SRM ACQUISITIONS LIMITED
John Page
ABBOTT & BRAMWELL LIMITED
CENTRAL DESIGNS (NORTH WEST) LIMITED
CHANNING LUCAS & PARTNERS LIMITED
CHANNING LUCAS HOLDING LIMITED
D 2 CORPORATE SOLUTIONS LIMITED
D R & P HOLDINGS LIMITED
DAVID ROBERTS & PARTNERS (EMPLOYEE BENEFITS) LTD
DAVID ROBERTS & PARTNERS (INSURANCE BROKERS) LIMITED
DAVID ROBERTS & PARTNERS (YORK) LTD
DAVID ROBERTS & PARTNERS WEALTH MANAGEMENT LLP
DR & P GROUP LIMITED
DRP WEALTH MANAGEMENT LLP
INTERNATIONAL MARINE SPECIALISTS LIMITED
J.J. YATES & COMPANY LIMITED
LUCAS & PARTNERS LTD
MBSI DETAILING LIMITED
PDC HOLDINGS LIMITED
PROJECT HAMMOND BIDCO LIMITED
PROJECT HAMMOND MIDCO 1 LIMITED
PROJECT HAMMOND MIDCO 2 LIMITED
PROJECT HAMMOND TOPCO LIMITED
RAINFORD GROUP LIMITED
RAINFORD SOLUTIONS LIMITED
SCION FILMS SALE AND LEASEBACK SIXTH LLP
SMITH ROBINSON LTD
SRM ACQUISITIONS LIMITED
STOCKSEARCH: THE MIKE STOCK RECORDING ARTIST DEVELOPMENT FUND 3 LIMITED LIABILITY PARTNERSHIP
THE TRAFALGAR 22 INVESTMENT COMPANY LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 30-Apr-2020 30-Apr-2019
Balance Sheet
Fixed Assets 18,011 18,011 18,204
Current Assets 805,345 805,345 681,294
Creditors Due Within One Year 379,103 379,103 302,152
Working Cap 426,242 426,242 379,142
Total Assets Less Current Liabilities 444,253 444,253 397,346
Long-term Liabilities 6,250 6,250 2,969
Net Assets 438,003 438,003 394,377
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 438,003 438,003 394,377
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 30-Apr-2020 30-Apr-2019
Tangible Fixed Assets - - -
Fixed Assets 2.2% 2.2% 2.6%
Stocks Inventory - - -
Debtors 21.5% 21.5% 32.2%
Cash Bank In Hand 76.3% 76.3% 65.2%
Current Assets 97.8% 97.8% 97.4%
Creditors Due Within One Year 46.0% 46.0% 43.2%
Net Current Assets Liabilities 51.8% 51.8% 54.2%
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 53.2% 53.2% 56.4%
Capital Employed - - -
Total Assets Less Current Liabilities 54.0% 54.0% 56.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 30-Apr-2020 30-Apr-2019
Liquidity Ratio 2.1 2.1 2.3
Solvency Ratio 2.1 2.1 2.3
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 3
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 30-Apr-2020 30-Apr-2019
Assets 823,356 823,356 699,498
Debt 385,353 385,353 305,121
Net Assets/Debt 438,003 438,003 394,377

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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Document Filings
Termination of appointment of Marc Coster as a director on 28 February 2026
Consolidated accounts of parent company for subsidiary company period ending 31/12/24
Notice of agreement to exemption from audit of accounts for period ending 31/12/24
Audit exemption statement of guarantee by parent company for period ending 31/12/24
Audit exemption statement of guarantee by parent company for period ending 31/12/24
Appointment of Mr Alistair Charles Peel as a secretary on 20 July 2025
Termination of appointment of Eliot James Powell as a director on 20 July 2025
Confirmation statement made on 15 April 2025 with no updates
Director's details changed for Mr Eliot James Powell on 20 December 2024
Termination of appointment of Craig Arthur Seed as a director on 4 March 2025
Appointment of Mr Marc Coster as a director on 4 March 2025
Appointment of Mr Eliot James Powell as a director on 20 December 2024
Consolidated accounts of parent company for subsidiary company period ending 31/12/23
Notice of agreement to exemption from audit of accounts for period ending 31/12/23
Audit exemption statement of guarantee by parent company for period ending 31/12/23
Confirmation statement made on 15 April 2024 with no updates
Confirmation statement made on 15 April 2023 with no updates
Confirmation statement made on 15 April 2022 with updates
Registered office address changed from 29 Lowther Street Carlisle Cumbria CA3 8EN to 5 Clifford Court Cooper Way Carlisle Cumbria CA3 0JG on 14 March 2022
Director's details changed for Mr John David Page on 17 September 2021
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