Company Overview
Bspoke Underwriting Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 08 August 2002, so this is a well established company. Bspoke Underwriting Ltd has been in business for 23 years and 7 months. The accounts status is full and the accounts are next due on Tuesday 30 December 2025.
Registered Address

Brookfield Court Selby Road, Garforth, Leeds, LS25 1NB
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Companies House Data
Company NameBSPOKE UNDERWRITING LTD
Company Number04506493
Registered Office AddressBrookfield Court Selby Road
 Garforth
 LS25 1NB
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date08/08/2002
Accounting Reference Date Day30
Accounting Reference Date Month3
Accounts Next Due Date30/03/2026
Accounts Last Made Up Date30/03/2024
Accounts Account CategoryFULL
Returns Next Due Date05/09/2016
Returns Last Made Up Date08/08/2015
Previous Company NameChanged Date
UK GENERAL INSURANCE LIMITED13 Apr 2023
UK UNDERWRITING LIMITED11 Apr 2011
Directors & Members
Show Resigned
Ryan Gill - Director
(British, 43 years old, born February 1983)
Appointed 01 February 2026
 Active
Craig Hunter - Director
(British, 51 years old, born January 1975)
Appointed 01 February 2026
 Active
Clare Knight - Director
(British, 42 years old, born January 1984)
Appointed 13 June 2025
 Active
Secretaries
Show Resigned
Penelope Fullerton - Secretary
Appointed 01 June 2022
 Active
Other Company Directorships
Ryan Gill
ARMA KARMA LIMITED
BERLIN BIDCO LIMITED
BSPOKE CENTRAL SERVICES LTD
BSPOKE COMMERCIAL LTD
BSPOKE INSURANCE GROUP LTD
BSPOKE LIFESTYLE LTD
BSPOKE MANAGEMENT SERVICES LTD
BSPOKE UNIFORMED SERVICES LIMITED
CHICAGO BIDCO LIMITED
CHICAGO HOLDCO LIMITED
CHICAGO MIDCO LIMITED
LONGHAWK INSURANCE GROUP LIMITED
MIRAMAR UNDERWRITING LIMITED
ONE COMMERCIAL (CLAIMS) LIMITED
PBS HOLDINGS LIMITED
PMGI LIMITED
PMHC LIMITED
PRIMARY GENERAL INSURANCE LIMITED
PROVEGO LIMITED
RCHL GROUP LIMITED
RCHL OLD LIMITED
RHFS INVESTMENTS LIMITED
TPS (INSURANCE ADMIN SERVICES) LIMITED
UK GENERAL (AIS) LIMITED
UK GENERAL MANAGEMENT SERVICES LTD
YERO HOLDINGS LIMITED
Craig Hunter
ARMA KARMA LIMITED
BRIGHTBOX NORTH LTD
BSPOKE CENTRAL SERVICES LTD
BSPOKE COMMERCIAL LTD
BSPOKE INSURANCE GROUP LTD
BSPOKE LIFESTYLE LTD
BSPOKE MANAGEMENT SERVICES LTD
BSPOKE UNIFORMED SERVICES LIMITED
CHICAGO HOLDCO LIMITED
MIRAMAR UNDERWRITING LIMITED
ONE COMMERCIAL SPECIALTY LIMITED
PMGI LIMITED
PMHC LIMITED
PROVEGO LIMITED
SUNTRUST LIMITED
Clare Knight
No companies found
Balance Sheet Unlock full report
Accounts Date 30-Mar-2024 31-Mar-2016 31-Mar-2015
Balance Sheet
Fixed Assets 3,573,263 3,573,263 3,841,242
Current Assets 18,685,261 18,685,261 14,763,953
Creditors Due Within One Year 6,066,479 6,066,479 9,369,935
Working Cap 12,618,782 12,618,782 5,394,018
Total Assets Less Current Liabilities 16,192,045 16,192,045 9,235,260
Long-term Liabilities 592,481 592,481 1,489,479
Net Assets 15,599,564 15,599,564 7,745,781
Share Capital & Reserves
Share Cap 2,301,000 2,301,000 2,301,000
Profit & Loss Reserves 13,298,564 13,298,564 5,444,781
Other Reserves 0 0 0
Shareholders Funds 15,599,564 15,599,564 7,745,781
Common Size Financial Analysis Unlock full report
Accounts Date 30-Mar-2024 31-Mar-2016 31-Mar-2015
Tangible Fixed Assets - - -
Fixed Assets 16.1% 16.1% 20.6%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 0.9% 0.9% 2.7%
Cash Bank In Hand 14.8% 14.8% 5.6%
Current Assets 83.9% 83.9% 79.4%
Creditors Due Within One Year 27.3% 27.3% 50.4%
Net Current Assets Liabilities 56.7% 56.7% 29.0%
Creditors Due After One Year 2.7% 2.7% 8.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 70.1% 70.1% 41.6%
Called Up Share Capital 10.3% 10.3% 12.4%
Share Capital Allotted Called Up Paid 10.3% 10.3% 12.4%
Profit Loss Account Reserve 59.7% 59.7% 29.3%
Shareholder Funds 70.1% 70.1% 41.6%
Capital Employed - - -
Total Assets Less Current Liabilities 72.7% 72.7% 49.6%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Mar-2024 31-Mar-2016 31-Mar-2015
Liquidity Ratio 3.1 3.1 1.6
Solvency Ratio 3.3 3.3 1.7
Reserves to Assets 0.6 0.6 0.3
Secured Creditors Unlock full report
Mortgages Charges 14
Mortgages Outstanding 3
Mortgages Part Satisfied 0
Mortgages Satisfied 11
Assets and Debt Analysis Unlock full report
Accounts Date 30-Mar-2024 31-Mar-2016 31-Mar-2015
Assets 22,258,524 22,258,524 18,605,195
Debt 6,658,960 6,658,960 10,859,414
Net Assets/Debt 15,599,564 15,599,564 7,745,781

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. The balance sheet indicates the net assets of a good sized company. 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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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. The balance sheet indicates the net assets of a good sized company. 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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   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. The balance sheet indicates the net assets of a good sized company. 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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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
Appointment of Mr Craig Richard Hunter as a director on 1 February 2026
Appointment of Mr James Robert Purvis as a director on 1 March 2026
Appointment of Mr Ryan Mark Gill as a director on 1 February 2026
Termination of appointment of Joanne Elizabeth Deveney as a director on 1 February 2026
Appointment of Mr Robert Alexander Paul Witts as a director on 22 January 2026
Satisfaction of charge 045064930013 in full
Satisfaction of charge 045064930014 in full
Termination of appointment of James Robert Purvis as a director on 6 August 2025
Appointment of Mrs Joanne Elizabeth Deveney as a director on 14 August 2025
Termination of appointment of Craig Richard Hunter as a director on 6 August 2025
Termination of appointment of Ryan Mark Gill as a director on 6 August 2025
Confirmation statement made on 8 August 2025 with no updates
Registration of charge 045064930014, created on 5 August 2025
Appointment of Miss Clare Louise Knight as a director on 13 June 2025
Termination of appointment of Jeffrey Turner as a director on 28 January 2025
Confirmation statement made on 8 August 2024 with no updates
Appointment of Mr James Robert Purvis as a director on 20 March 2024
Appointment of Mr Jeffrey Turner as a director on 8 December 2023
Confirmation statement made on 8 August 2023 with no updates
Certificate of change of name
Change of name with request to seek comments from relevant body
Change of name notice
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