Company Overview
Acumen Insurance Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 31 December 2003, so this is a well established company. Acumen Insurance Services Limited has been in business for 22 years and 3 months. The accounts status is micro entity and the accounts are next due on Wednesday 31 December 2025.
Registered Address

St Clare House, 30-33 Minories, London, EC3N 1PE
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Companies House Data
Company NameACUMEN INSURANCE SERVICES LIMITED
Company Number05004926
Registered Office AddressSt Clare House
 30-33 Minories
 EC3N 1PE
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date31/12/2003
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date05/01/2017
Returns Last Made Up Date08/12/2015
Directors & Members
Show Resigned
Stephen Gilkes - Director
(British, 53 years old, born July 1973)
Appointed 10 February 2021
 Active
Mark Kiedish - Director
(British, 44 years old, born April 1982)
Appointed 01 April 2020
 Active
Alan Reif - Director
(British, 78 years old, born March 1948)
Appointed 01 November 2013
 Active
John Speers - Director
(British, 80 years old, born October 1946)
Appointed 01 December 2015
 Active
Secretaries
Show Resigned
Other Company Directorships
Stephen Gilkes
No companies found
Mark Kiedish
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Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 4,602 4,602 6,903
Current Assets 404,395 404,395 485,672
Creditors Due Within One Year 115,285 115,285 186,876
Working Cap 289,110 289,110 298,796
Total Assets Less Current Liabilities 293,712 293,712 305,699
Long-term Liabilities 0 0 0
Net Assets 293,712 293,712 305,699
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 293,712 293,712 305,699
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 1.1% 1.1% 1.4%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 98.9% 98.9% 98.6%
Creditors Due Within One Year 28.2% 28.2% 37.9%
Net Current Assets Liabilities 70.7% 70.7% 60.7%
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 71.8% 71.8% 62.1%
Capital Employed - - -
Total Assets Less Current Liabilities 71.8% 71.8% 62.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Liquidity Ratio 3.5 3.5 2.6
Solvency Ratio 3.5 3.5 2.6
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Assets 408,997 408,997 492,575
Debt 115,285 115,285 186,876
Net Assets/Debt 293,712 293,712 305,699

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 has some deficiency. 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 has some deficiency. 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 has some deficiency. 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
Other Business around EC3N 1PE
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St Clare House, 30-33 Minories, London, EC3N 1PE
SAFEWAY INSURANCE BROKERS (UK) LIMITED
St Clare House, 30-33 Minories, London, EC3N 1PE
MINORIES (2010) LIMITED
St Clare House, 30-33 Minories, London, EC3N 1PE
PARAMOUNT GLOBAL RISKS LIMITED
St Clare House, 30-33 Minories, London, EC3N 1PE
ARIS LONDON LTD
ST CLARE HOUSE, 30 - 33 MINORIES, LONDON, EC3N 1PE
ROBERTS ARMYTAGE & PARTNERS LTD
22 Bishopsgate, London, EC3N 1PE
ROTHWELL & TOWLER LTD
ST CLARE HOUSE, 30-33 MINORIES, LONDON, EC3N 1PE
CSP HOLDING LIMITED
ST CLARE HOUSE, 30-33 MINORIES, LONDON, EC3N 1PE
CYBER ASSIST LTD
14 Herrington Avenue, Stansted, EC3N 1PE
ARGOSY UNDERWRITING AGENCY LTD
St Clare House, 30-33 Minories, London, EC3N 1PE
Document Filings
Confirmation statement made on 11 September 2025 with no updates
Confirmation statement made on 11 September 2024 with no updates
Director's details changed for Mr Alan Michael Reif on 17 September 2024
Confirmation statement made on 11 September 2023 with no updates
Confirmation statement made on 11 September 2022 with no updates
Termination of appointment of Peter James Meredith as a secretary on 31 December 2021
Confirmation statement made on 11 September 2021 with no updates
Appointment of Mr Stephen Francis Gilkes as a director on 10 February 2021
Registration of charge 050049260001, created on 8 June 2021
Confirmation statement made on 11 September 2020 with no updates
Appointment of Mr Mark James Kiedish as a director on 1 April 2020
Termination of appointment of Raj Rupal as a director on 1 April 2020
Confirmation statement made on 11 September 2019 with no updates
Appointment of Mr Peter James Meredith as a secretary on 30 January 2019
Termination of appointment of Alan Reif as a secretary on 29 January 2019
Confirmation statement made on 11 September 2018 with updates
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