Company Overview
Spectrum Insurance Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 17 May 2004, so this is a well established company. Spectrum Insurance Services Limited has been in business for 21 years and 10 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

115 Westthorpe Bic Westthorpe Fields Road, Killamarsh, Sheffield, S21 1TZ
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Companies House Data
Company NameSPECTRUM INSURANCE SERVICES LIMITED
Company Number05129413
Registered Office Address115 Westthorpe Bic Westthorpe Fields Road
 Killamarsh
 S21 1TZ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date17/05/2004
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date14/06/2017
Returns Last Made Up Date17/05/2016
Previous Company NameChanged Date
TOBELL AUTOMOTIVE LIMITED21 Aug 2019
HAY FIELDING LTD30 May 2018
PINK ROSE 2015 LIMITED07 Jul 2016
HEATH INSURANCE SERVICES LIMITED03 Dec 2015
Directors & Members
Show Resigned
Brian Clarke - Director
(British, 71 years old, born November 1955)
Appointed 04 August 2011
 Active
Russel Kitchin - Director
(British, 59 years old, born May 1967)
Appointed 10 August 2018
 Active
Ian Paley - Director
(British, 49 years old, born August 1977)
Appointed 01 May 2024
 Active
Simon Tennyson - Director
(British, 61 years old, born February 1965)
Appointed 08 February 2022
 Active
Secretaries
Show Resigned
Other Company Directorships
Brian Clarke
CANUTE FINANCE LIMITED
HAY FIELDING WARRANTY LIMITED
LOCKENGATE FINANCE LIMITED
NFG CAPITAL LIMITED
NFG EUROPE LIMITED
QRG BROKERS LIMITED
ROBINSON LESLIE DIRECT LIMITED
SPECTRUM FINANCE LIMITED
SUISSE CAPITAL LIMITED
YELLOW GROUP HOLDINGS LIMITED
YELLOW INSURANCE SERVICES (ELLESMERE PORT) LIMITED
Russel Kitchin
SPECTRUM FINANCE LIMITED
Ian Paley
No companies found
Simon Tennyson
OMNIS DATA LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 45,789 45,789 46,012
Current Assets 846,717 846,717 1,185,114
Creditors Due Within One Year 317,171 317,171 687,807
Working Cap 529,546 529,546 497,307
Total Assets Less Current Liabilities 575,335 575,335 543,319
Long-term Liabilities 267,135 267,135 222,897
Net Assets 308,200 308,200 320,422
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 308,200 308,200 320,422
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 5.1% 5.1% 3.7%
Stocks Inventory - - -
Debtors 36.2% 36.2% 37.8%
Cash Bank In Hand 58.7% 58.7% 58.5%
Current Assets 94.9% 94.9% 96.3%
Creditors Due Within One Year 35.5% 35.5% 55.9%
Net Current Assets Liabilities 59.3% 59.3% 40.4%
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 34.5% 34.5% 26.0%
Capital Employed - - -
Total Assets Less Current Liabilities 64.5% 64.5% 44.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 2.7 2.7 1.7
Solvency Ratio 1.5 1.5 1.4
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 5
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 3
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 892,506 892,506 1,231,126
Debt 584,306 584,306 910,704
Net Assets/Debt 308,200 308,200 320,422

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
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Document Filings
Satisfaction of charge 051294130004 in full
Confirmation statement made on 7 June 2025 with no updates
Change of details for Mr Brian John Clarke as a person with significant control on 11 April 2025
Registered office address changed from I15 Westthorpe Bic, Westthorpe Fields Road Killamarsh Sheffield S21 1TZ England to 115 Westthorpe Bic Westthorpe Fields Road Killamarsh Sheffield S21 1TZ on 21 March 2025
Change of details for Mr Russel Kitchin as a person with significant control on 1 August 2020
Change of details for Mr Brian John Clarke as a person with significant control on 1 July 2018
Registered office address changed from G16 Westthorpe Bic Killamarsh Sheffield S21 1TZ England to I15 Westthorpe Bic, Westthorpe Fields Road Killamarsh Sheffield S21 1TZ on 3 January 2025
Satisfaction of charge 051294130005 in full
Confirmation statement made on 7 June 2024 with no updates
Registered office address changed from G16 G16 Westthorpe Bic Westthorpe Fields Road, Killamarsh Sheffield S21 1TZ United Kingdom to G16 Westthorpe Bic Killamarsh Sheffield S21 1TZ on 14 June 2024
Registered office address changed from 60 Wensleydale Road Hampton TW12 2LX England to G16 G16 Westthorpe Bic Westthorpe Fields Road, Killamarsh Sheffield S21 1TZ on 14 June 2024
Appointment of Mr Ian David Paley as a director on 1 May 2024
Registration of charge 051294130005, created on 20 February 2024 without deed
Registration of charge 051294130004, created on 1 November 2023 without deed
Confirmation statement made on 7 June 2023 with no updates
Termination of appointment of Steven William Spooner as a director on 16 March 2023
Appointment of Mr Steven William Spooner as a director on 2 November 2022
Termination of appointment of James Edward Huntingdon as a director on 2 November 2022
Confirmation statement made on 30 June 2022 with no updates
Appointment of Mr Simon Jeremy Tennyson as a director on 8 February 2022
Compulsory strike-off action has been discontinued
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