Company Overview
Lloyd & Whyte Community Broking Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 17 January 2003, so this is a well established company. Lloyd & Whyte Community Broking Ltd has been in business for 23 years and 2 months. The accounts status is audit exemption subsidiary and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Affinity House, Bindon Road, Taunton, TA2 6AA
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Companies House Data
Company NameLLOYD & WHYTE COMMUNITY BROKING LTD
Company Number04640518
Registered Office AddressAffinity House
 Bindon Road
 TA2 6AA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date17/01/2003
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 Date14/02/2017
Returns Last Made Up Date17/01/2016
Previous Company NameChanged Date
B H & S INSURANCE SERVICES LIMITED12 Mar 2021
Directors & Members
Show Resigned
Stephen Astley - Director
(British, 67 years old, born November 1959)
Appointed 05 March 2021
 Active
David Moore - Director
(British, 60 years old, born February 1966)
Appointed 05 March 2021
 Active
Matthew Pyke - Director
(British, 56 years old, born August 1970)
Appointed 05 March 2021
 Active
Paul Short - Director
(British, 41 years old, born July 1985)
Appointed 01 August 2023
 Active
Secretaries
Show Resigned
Stephen Astley - Secretary
Appointed 05 March 2021
 Active
Other Company Directorships
Stephen Astley
BOSHERS LTD
CLEARBROKING LTD
CLEDDAU HOLDINGS LIMITED
CLEDDAU INSURANCE SERVICES LIMITED
DAVIES CRADDOCK (HOLDINGS) LIMITED
DAVIES CRADDOCK LIMITED
DE NOVO RISK SOLUTIONS LIMITED
DIRECT CORPORATE RISKS LIMITED
MEMBERSHIP PLANS LIMITED
MI SPECIALTY LTD
NATURESAVE POLICIES LIMITED
NORTHCOTT BEATON LIMITED
PLAYLE-RUSSELL (SPECIAL RISKS) LIMITED
PPS GI LIMITED
PROVENANCE IB LTD
SEIB INSURANCE BROKERS LIMITED
SEVERN BAY CORPORATE SOLUTIONS LTD
SOUTH ESSEX INSURANCE HOLDINGS LIMITED
SPECIALIST BROKING RETAIL LIMITED
STRIDE HOLDINGS (CHICHESTER) LIMITED
STRIDE LIMITED
VIRTUOSO INS GROUP LTD
David Moore
ACCESS UNDERWRITING LIMITED
BENEFACT BROKING & ADVISORY HOLDINGS LIMITED
BOSHERS LTD
CLEARBROKING LTD
CLEDDAU HOLDINGS LIMITED
CLEDDAU INSURANCE SERVICES LIMITED
DAVIES CRADDOCK (HOLDINGS) LIMITED
DAVIES CRADDOCK LIMITED
DE NOVO RISK SOLUTIONS LIMITED
DIRECT CORPORATE RISKS LIMITED
ECCLESIASTICAL FINANCIAL ADVISORY SERVICES LIMITED
ECCLESIASTICAL PLANNING SERVICES LIMITED
GROUT INSURANCE BROKERS LIMITED
INSURANCE BROKING FINANCE LIMITED
LLOYD & WHYTE GROUP LIMITED
LLOYD & WHYTE LIMITED
LLOYD AND WHYTE (FINANCIAL SERVICES) LIMITED
LYCETT, BROWNE-SWINBURNE & DOUGLASS LIMITED
MEDICAL MONEY MANAGEMENT (GENERAL INSURANCE BROKERS) LIMITED
MEMBERSHIP PLANS LIMITED
MI SPECIALTY LTD
NATURESAVE POLICIES LIMITED
NORTHCOTT BEATON LIMITED
PLAYLE-RUSSELL (SPECIAL RISKS) LIMITED
PPS GI LIMITED
PROVENANCE IB LTD
SEIB INSURANCE BROKERS LIMITED
SEVERN BAY CORPORATE SOLUTIONS LTD
SPECIALIST BROKING RETAIL LIMITED
STRIDE HOLDINGS (CHICHESTER) LIMITED
STRIDE LIMITED
TAPTAP GIVING LTD
THE MEDICAL INSURANCE ADVISORY BUREAU LIMITED
VIRTUOSO INS GROUP LTD
Matthew Pyke
BENEFACT BROKING & ADVISORY HOLDINGS LIMITED
BINDON ROGERS LTD
BOSHERS LTD
CLEARBROKING LTD
CLEDDAU HOLDINGS LIMITED
CLEDDAU INSURANCE SERVICES LIMITED
DAVIES CRADDOCK (HOLDINGS) LIMITED
DAVIES CRADDOCK LIMITED
DE NOVO RISK SOLUTIONS LIMITED
DIRECT CORPORATE RISKS LIMITED
INSURANCE BROKING FINANCE LIMITED
LLOYD & WHYTE (SOUTH WEST) LIMITED
LLOYD & WHYTE HERITAGE LTD
LLOYD & WHYTE INTERNATIONAL LIMITED
LLOYD & WHYTE LIMITED
LLOYD AND WHYTE (FINANCIAL SERVICES) LIMITED
MEDICAL MONEY MANAGEMENT (GENERAL INSURANCE BROKERS) LIMITED
MEMBERSHIP PLANS LIMITED
MI SPECIALTY LTD
NATURESAVE POLICIES LIMITED
NORTHCOTT BEATON LIMITED
PLAYLE-RUSSELL (SPECIAL RISKS) LIMITED
PPS GI LIMITED
PROVENANCE IB LTD
REEDWAYS INSURANCE SERVICES LIMITED
SEIB INSURANCE BROKERS LIMITED
SIMPLY LISTED LTD.
SOUTH ESSEX INSURANCE HOLDINGS LIMITED
SPECIALIST BROKING RETAIL LIMITED
STRIDE HOLDINGS (CHICHESTER) LIMITED
STRIDE LIMITED
TAUNTON SCHOOL EDUCATIONAL CHARITY
THE MEDICAL INSURANCE ADVISORY BUREAU LIMITED
VIRTUOSO INS GROUP LTD
Paul Short
MEMBERSHIP PLANS LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2020 31-Dec-2019
Balance Sheet
Fixed Assets 11,998 11,998 14,884
Current Assets 92,519 92,519 107,004
Creditors Due Within One Year 87,793 87,793 80,249
Working Cap 4,726 4,726 26,755
Total Assets Less Current Liabilities 16,724 16,724 41,639
Long-term Liabilities 1,918 1,918 39,639
Net Assets 14,806 14,806 2,000
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 14,806 14,806 2,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2020 31-Dec-2019
Tangible Fixed Assets - - -
Fixed Assets 11.5% 11.5% 12.2%
Stocks Inventory - - -
Debtors 87.9% 87.9% 87.4%
Cash Bank In Hand 0.6% 0.6% 0.3%
Current Assets 88.5% 88.5% 87.8%
Creditors Due Within One Year 84.0% 84.0% 65.8%
Net Current Assets Liabilities 4.5% 4.5% 22.0%
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 14.2% 14.2% 1.6%
Capital Employed - - -
Total Assets Less Current Liabilities 16.0% 16.0% 34.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2020 31-Dec-2019
Liquidity Ratio 1.1 1.1 1.3
Solvency Ratio 1.2 1.2 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2020 31-Dec-2019
Assets 104,517 104,517 121,888
Debt 89,711 89,711 119,888
Net Assets/Debt 14,806 14,806 2,000

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 current section of the balance sheet has positive working capital. We would normally consider 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 presents modest net assets. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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 current section of the balance sheet has positive working capital. We would normally consider 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 presents modest net assets. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.   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 current section of the balance sheet has positive working capital. We would normally consider 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 presents modest net assets. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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 TA2 6AA
LLOYD & WHYTE LIMITED
AFFINITY HOUSE, BINDON ROAD, TAUNTON, SOMERSET, TA2 6AA
LLOYD & WHYTE HERITAGE LTD
Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA
INSURANCE BROKING FINANCE LIMITED
Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA
MEDICAL MONEY MANAGEMENT (GENERAL INSURANCE BROKERS) LIMITED
Affinity House, Bindon Road, Taunton, TA2 6AA
LLOYD AND WHYTE (FINANCIAL SERVICES) LIMITED
AFFINITY HOUSE, BINDON ROAD, TAUNTON, SOMERSET, TA2 6AA
LLOYD & WHYTE GROUP LIMITED
AFFINITY HOUSE, BINDON ROAD, TAUNTON, SOMERSET, TA2 6AA
Document Filings
Director's details changed for Mr David Robert Moore on 12 February 2026
Confirmation statement made on 17 January 2026 with no updates
Statement of capital on 26 September 2025
Consolidated accounts of parent company for subsidiary company period ending 31/12/24
Audit exemption statement of guarantee by parent company for period ending 31/12/24
Confirmation statement made on 17 January 2025 with no updates
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 17 January 2024 with no updates
Audit exemption statement of guarantee by parent company for period ending 31/12/22
Notice of agreement to exemption from audit of accounts for period ending 31/12/22
Appointment of Mr Paul Short as a director on 1 August 2023
Consolidated accounts of parent company for subsidiary company period ending 31/12/22
Confirmation statement made on 17 January 2023 with updates
Statement of capital on 23 December 2022
Statement by Directors
Solvency Statement dated 20/12/22
Resolutions
Statement of capital on 7 June 2022
Statement by Directors
Solvency Statement dated 26/05/22
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