Company Overview
Umbrella Risk Management Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 18 March 2005, so this is a well established company. Umbrella Risk Management Limited has been in business for 21 years. The accounts status is total exemption full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Dodwell House, Chilton Business Centre, Chilton, Buckinghamshire, HP18 9LS
Credit Reports Available

These credit rating reports are available now:


Credit Analysts Report
Get Report >>

Standard Credit Report
Get Report >>

Basic Credit Report
Get Report >>

24/7 credit rating data feed - no UK company credit reports are updated faster

Companies House Data
Company NameUMBRELLA RISK MANAGEMENT LIMITED
Company Number05397976
Registered Office AddressDodwell House
 Chilton Business Centre
 HP18 9LS
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date18/03/2005
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date15/04/2017
Returns Last Made Up Date18/03/2016
Directors & Members
Show Resigned
Nicholas Carter - Director
(British, 58 years old, born April 1968)
Appointed 18 March 2005
 Active
Nicola Christie - Director
(British, 53 years old, born August 1973)
Appointed 10 August 2021
 Active
Elizabeth Johnson - Director
(American, 58 years old, born July 1968)
Appointed 18 March 2005
 Active
Secretaries
Show Resigned
Nicholas Carter - Secretary
(British)
Appointed 18 March 2005
 Active
Other Company Directorships
Nicholas Carter
BANTER PROMOTIONS LIMITED
KUKUTOO LIMITED
PARASOL PROPERTY LIMITED
UMBRELLA DIGITAL LIMITED
UMBRELLA HOLDINGS LIMITED
UMBRELLA RISK MANAGEMENT (UK) LIMITED
Nicola Christie
No companies found
Elizabeth Johnson
BANTER PROMOTIONS LIMITED
GEMINI SUPPLY MANAGEMENT LIMITED
KUKUTOO LIMITED
TATTU LIMITED
UMBRELLA HOLDINGS LIMITED
UMBRELLA RISK MANAGEMENT (UK) LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 171,366 171,366 100,218
Current Assets 1,364,192 1,364,192 2,398,066
Creditors Due Within One Year 1,328,405 1,328,405 2,129,368
Working Cap 35,787 35,787 268,698
Total Assets Less Current Liabilities 207,153 207,153 368,916
Long-term Liabilities 121,805 121,805 107,100
Net Assets 85,348 85,348 261,816
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 85,348 85,348 261,816
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 11.2% 11.2% 4.0%
Stocks Inventory - - -
Debtors 59.4% 59.4% 64.0%
Cash Bank In Hand 29.4% 29.4% 32.0%
Current Assets 88.8% 88.8% 96.0%
Creditors Due Within One Year 86.5% 86.5% 85.2%
Net Current Assets Liabilities 2.3% 2.3% 10.8%
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 5.6% 5.6% 10.5%
Capital Employed - - -
Total Assets Less Current Liabilities 13.5% 13.5% 14.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Liquidity Ratio 1.0 1.0 1.1
Solvency Ratio 1.1 1.1 1.1
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-2023 31-Mar-2022
Assets 1,535,558 1,535,558 2,498,284
Debt 1,450,210 1,450,210 2,236,468
Net Assets/Debt 85,348 85,348 261,816

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 has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over 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 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 has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over 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 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 has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over 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 HP18 9LS
STREAM COMMS LIMITED
CARTER HOUSE CHILTON BUSINESS CENTRE, CHILTON, AYLESBURY, BUCKS, HP18 9LS
APPROVED INVESTMENTS LIMITED
Middle Hedge Barn Chilton Business Centre, Chilton, Aylesbury, Buckinghamshire, HP18 9LS
BUCKS HEALTHCARE LIMITED
THE MANSE, 44 SOUTH BAR STREET, BANBURY, OXFORDSHIRE, HP18 9LS
ACTON LANE INVESTMENTS LIMITED
GLOBAL HOUSE, 303 BALLARDS LANE, LONDON, HP18 9LS
MARGAN LTD
UNIT C1 REGENT PARK, SUMMERLEYS ROAD, PRINCES RISBOROUGH, HP18 9LS
MONTPELIER ESTATES (FERNDOWN) LIMITED
Middle Hedge Barn Chilton Business Centre, Chilton, Aylesbury, Buckinghamshire, HP18 9LS
MONTPELIER ESTATES (PARK ROYAL) LIMITED
Middle Hedge Barn Chilton Business Centre, Chilton, Aylesbury, Buckinghamshire, HP18 9LS
FMI AGENCY LIMITED
101 NEW CAVENDISH STREET, 1ST FLOOR SOUTH, LONDON, HP18 9LS
MONTPELIER ESTATES (TILE HILL) LIMITED
Middle Hedge Barn Chilton Business Centre, Chilton, Aylesbury, Buckinghamshire, HP18 9LS
MONTPELIER ESTATES (TAUNTON) LIMITED
Middle Hedge Barn Chilton Business Centre, Chilton, Aylesbury, Buckinghamshire, HP18 9LS
Document Filings
Confirmation statement made on 1 March 2026 with updates
Confirmation statement made on 1 March 2025 with updates
Confirmation statement made on 1 March 2024 with updates
Termination of appointment of Brendan John Fraser-Smith as a director on 31 March 2023
Confirmation statement made on 1 March 2023 with updates
Confirmation statement made on 1 March 2022 with updates
Appointment of Ms Nicola Jane Christie as a director on 10 August 2021
Confirmation statement made on 4 March 2021 with updates
Registration of charge 053979760001, created on 30 June 2020
Confirmation statement made on 5 March 2020 with no updates
Confirmation statement made on 5 March 2019 with no updates
Registered office address changed from 2 the Barn Townhill Farm Dorton Road Chilton Buckinghamshire HP18 9NA to Dodwell House Chilton Business Centre Chilton Buckinghamshire HP18 9LS on 7 February 2019
Confirmation statement made on 18 March 2018 with no updates
Confirmation statement made on 18 March 2017 with updates
Annual return made up to 18 March 2016 with full list of shareholders
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free