Company Overview
Miramar Underwriting Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 07 August 2009, so this is a well established company. Miramar Underwriting Limited has been in business for 16 years and 7 months. The accounts status is audit exemption subsidiary and the accounts are next due on Tuesday 30 December 2025.
Registered Address

Dawson House 5, Jewry Street, Fenchurch, London, EC3N 2EX
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Companies House Data
Company NameMIRAMAR UNDERWRITING LIMITED
Company Number06985118
Registered Office AddressDawson House 5, Jewry Street
 Fenchurch
 EC3N 2EX
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date07/08/2009
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/03/2026
Accounts Last Made Up Date30/03/2024
Accounts Account CategoryAUDIT EXEMPTION SUBSIDIARY
Returns Next Due Date04/09/2016
Returns Last Made Up Date07/08/2015
Directors & Members
Show Resigned
Ryan Gill - Director
(British, 43 years old, born February 1983)
Appointed 12 September 2025
 Active
Craig Hunter - Director
(British, 51 years old, born January 1975)
Appointed 08 August 2023
 Active
James Purvis - Director
(British, 61 years old, born December 1965)
Appointed 03 June 2024
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Ryan Gill
ARMA KARMA LIMITED
BERLIN BIDCO LIMITED
BSPOKE CENTRAL SERVICES LTD
BSPOKE COMMERCIAL LTD
BSPOKE INSURANCE GROUP LTD
BSPOKE LIFESTYLE LTD
BSPOKE MANAGEMENT SERVICES LTD
BSPOKE UNDERWRITING LTD
BSPOKE UNIFORMED SERVICES LIMITED
CHICAGO BIDCO LIMITED
CHICAGO HOLDCO LIMITED
CHICAGO MIDCO LIMITED
LONGHAWK INSURANCE GROUP LIMITED
ONE COMMERCIAL (CLAIMS) LIMITED
PBS HOLDINGS LIMITED
PMGI LIMITED
PMHC LIMITED
PRIMARY GENERAL INSURANCE LIMITED
PROVEGO LIMITED
RCHL GROUP LIMITED
RCHL OLD LIMITED
RHFS INVESTMENTS LIMITED
TPS (INSURANCE ADMIN SERVICES) LIMITED
UK GENERAL (AIS) LIMITED
UK GENERAL MANAGEMENT SERVICES LTD
YERO HOLDINGS LIMITED
Craig Hunter
ARMA KARMA LIMITED
BRIGHTBOX NORTH LTD
BSPOKE CENTRAL SERVICES LTD
BSPOKE COMMERCIAL LTD
BSPOKE INSURANCE GROUP LTD
BSPOKE LIFESTYLE LTD
BSPOKE MANAGEMENT SERVICES LTD
BSPOKE UNDERWRITING LTD
BSPOKE UNIFORMED SERVICES LIMITED
CHICAGO HOLDCO LIMITED
ONE COMMERCIAL SPECIALTY LIMITED
PMGI LIMITED
PMHC LIMITED
PROVEGO LIMITED
SUNTRUST LIMITED
James Purvis
BSPOKE COMMERCIAL LTD
BSPOKE INSURANCE GROUP LTD
BSPOKE LIFESTYLE LTD
BSPOKE UNDERWRITING LTD
INSURANCE BROKER CONNECT LTD
INSURANCE BROKER TENDER LTD
JPIC GROUP LTD
JPIC PROPERTIES LIMITED
PMGI LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Mar-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 2,412 2,412 6,001
Current Assets 581,505 581,505 468,823
Creditors Due Within One Year 55,185 55,185 37,747
Working Cap 526,320 526,320 431,076
Total Assets Less Current Liabilities 528,732 528,732 437,077
Long-term Liabilities 0 0 0
Net Assets 528,732 528,732 437,077
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 528,732 528,732 437,077
Common Size Financial Analysis Unlock full report
Accounts Date 30-Mar-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 0.4% 0.4% 1.3%
Stocks Inventory - - -
Debtors 62.6% 62.6% 55.2%
Cash Bank In Hand 37.0% 37.0% 43.5%
Current Assets 99.6% 99.6% 98.7%
Creditors Due Within One Year 9.5% 9.5% 7.9%
Net Current Assets Liabilities 90.1% 90.1% 90.8%
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 90.5% 90.5% 92.1%
Capital Employed - - -
Total Assets Less Current Liabilities 90.5% 90.5% 92.1%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Mar-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 10.5 10.5 12.4
Solvency Ratio 10.6 10.6 12.6
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-Mar-2024 31-Dec-2022 31-Dec-2021
Assets 583,917 583,917 474,824
Debt 55,185 55,185 37,747
Net Assets/Debt 528,732 528,732 437,077

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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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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Boundary House 2nd Floor, 7-17 Jewry Street, London, EC3N 2EX
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Document Filings
Registered office address changed from 34 Lime Street London EC3M 7AT England to Dawson House 5, Jewry Street Fenchurch London EC3N 2EX on 1 December 2025
Director's details changed for Mr James Robert Purvis on 1 July 2025
Appointment of Mr Ryan Mark Gill as a director on 12 September 2025
Current accounting period shortened from 30 March 2026 to 31 December 2025
Confirmation statement made on 7 August 2025 with no updates
Termination of appointment of Timothy John Smyth as a director on 6 August 2025
Consolidated accounts of parent company for subsidiary company period ending 30/03/24
Termination of appointment of Jeffrey Turner as a director on 28 January 2025
Notice of agreement to exemption from audit of accounts for period ending 30/03/24
Audit exemption statement of guarantee by parent company for period ending 30/03/24
Confirmation statement made on 7 August 2024 with updates
Appointment of Mr James Robert Purvis as a director on 3 June 2024
Current accounting period shortened from 31 March 2024 to 30 March 2024
Current accounting period extended from 31 December 2023 to 31 March 2024
Particulars of variation of rights attached to shares
Change of share class name or designation
Confirmation statement made on 7 August 2023 with updates
Resolutions
Memorandum and Articles of Association
Notification of Bspoke Insurance Group Ltd as a person with significant control on 8 August 2023
Cessation of Jeffrey Turner as a person with significant control on 8 August 2023
Cessation of Timothy Simpson as a person with significant control on 8 August 2023
Termination of appointment of Timothy Simpson as a director on 8 August 2023
Appointment of Mr Craig Richard Hunter as a director on 8 August 2023
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