Company Overview
Bruford & Vallance Insurance Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 19 September 2002, so this is a well established company. Bruford & Vallance Insurance Services Limited has been in business for 23 years and 6 months. The accounts status is total exemption full and the accounts are next due on Wednesday 31 March 2027.
Registered Address

45 St. James Street, Taunton, Somerset, TA1 1JR
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Companies House Data
Company NameBRUFORD & VALLANCE INSURANCE SERVICES LIMITED
Company Number04540484
Registered Office Address45 St. James Street
 Taunton
 TA1 1JR
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date19/09/2002
Accounting Reference Date Day30
Accounting Reference Date Month6
Accounts Next Due Date31/03/2027
Accounts Last Made Up Date30/06/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date17/10/2016
Returns Last Made Up Date19/09/2015
Directors & Members
Show Resigned
Judy Brown - Director
(British, 73 years old, born October 1953)
Appointed 08 March 2003
 Active
Jason Mayled - Director
(British, 57 years old, born November 1969)
Appointed 08 March 2003
 Active
Amanda Mayled - Director
(British, 57 years old, born September 1969)
Appointed 24 March 2012
 Active
Secretaries
Show Resigned
Amanda Mayled - Secretary
(British)
Appointed 31 May 2007
 Active
Other Company Directorships
Judy Brown
No companies found
Jason Mayled
TAUNTON TOWN FOOTBALL CLUB LIMITED
Amanda Mayled
No companies found
Balance Sheet Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2023 30-Jun-2022
Balance Sheet
Fixed Assets 24,082 24,082 29,968
Current Assets 368,450 368,450 317,160
Creditors Due Within One Year 197,059 197,059 151,753
Working Cap 171,391 171,391 165,407
Total Assets Less Current Liabilities 195,473 195,473 195,375
Long-term Liabilities 5,352 5,352 5,737
Net Assets 190,121 190,121 189,638
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 190,121 190,121 189,638
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2023 30-Jun-2022
Tangible Fixed Assets - - -
Fixed Assets 6.1% 6.1% 8.6%
Stocks Inventory - - -
Debtors 4.3% 4.3% 2.6%
Cash Bank In Hand 89.6% 89.6% 88.7%
Current Assets 93.9% 93.9% 91.4%
Creditors Due Within One Year 50.2% 50.2% 43.7%
Net Current Assets Liabilities 43.7% 43.7% 47.7%
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 48.4% 48.4% 54.6%
Capital Employed - - -
Total Assets Less Current Liabilities 49.8% 49.8% 56.3%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2023 30-Jun-2022
Liquidity Ratio 1.9 1.9 2.1
Solvency Ratio 1.9 1.9 2.2
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 30-Jun-2025 30-Jun-2023 30-Jun-2022
Assets 392,532 392,532 347,128
Debt 202,411 202,411 157,490
Net Assets/Debt 190,121 190,121 189,638

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
Confirmation statement made on 19 September 2025 with updates
Director's details changed for Mrs Judy Beatrice Brown on 25 September 2025
Confirmation statement made on 19 September 2024 with no updates
Confirmation statement made on 19 September 2023 with no updates
Director's details changed for Jason Lee Mayled on 30 September 2022
Director's details changed for Amanda Mayled on 30 September 2022
Director's details changed for Mrs Judy Beatrice Brown on 30 September 2022
Confirmation statement made on 19 September 2022 with updates
Confirmation statement made on 19 September 2021 with no updates
Termination of appointment of Jane Bruford as a director on 14 May 2021
Termination of appointment of David John Bruford as a director on 14 May 2021
Director's details changed for Mrs Judy Beatrice Brown on 25 August 2021
Confirmation statement made on 19 September 2020 with no updates
Confirmation statement made on 19 September 2019 with updates
Confirmation statement made on 19 September 2018 with updates
Confirmation statement made on 19 September 2017 with updates
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