Company Overview
Property & Commercial Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 07 September 2012, so this is a well established company. Property & Commercial Limited has been in business for 11 years and 8 months. The accounts status is total exemption full and the accounts are next due on Sunday 31 March 2024.
Registered Address

The Walbrook Building, 25 Walbrook, London, EC4N 8AW
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Companies House Data
Company NamePROPERTY & COMMERCIAL LIMITED
Company Number08206861
Registered Office AddressThe Walbrook Building
 25 Walbrook
 EC4N 8AW
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date07/09/2012
Accounting Reference Date Day30
Accounting Reference Date Month6
Accounts Next Due Date31/03/2024
Accounts Last Made Up Date30/06/2022
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date27/07/2017
Returns Last Made Up Date29/06/2016
Directors & Members
Show Resigned
Michael Rea - Director
(British, 58 years old, born February 1966)
Company Director - Appointed 19 July 2016
 Active
Charles Scott - Director
(British, 51 years old, born December 1973)
Company Director - Appointed 30 June 2018
 Active
Secretaries
Show Resigned
Alistair Peel - Secretary
Appointed 10 August 2018
 Active
Other Company Directorships
Michael Rea
ACUMUS HOLDINGS LIMITED
ACUMUS INTERCO LIMITED
ARTHUR J. GALLAGHER (UK) LIMITED
ARTHUR J. GALLAGHER HOUSING LIMITED
ARTHUR J. GALLAGHER INSURANCE BROKERS LIMITED
BELMONT INTERNATIONAL LIMITED
BLENHEIM PARK LIMITED
EVOLUTION UNDERWRITING LIMITED
FRIARY INTERMEDIATE LIMITED
GALLAGHER BENEFITS CONSULTING LIMITED
GALLAGHER HOLDINGS (UK) LIMITED
GALLAGHER HOLDINGS THREE (UK) LTD
GILES HOLDINGS LIMITED
HEATH LAMBERT LIMITED
INK UNDERWRITING AGENCIES LIMITED
INSURANCE DIALOGUE LIMITED
MARCUS HEARN & CO (TRAVEL & AVIATION) LIMITED
OAMPS (UK) LIMITED
OAMPS SPECIAL RISKS LTD
OVAL INSURANCE BROKING LIMITED
OVAL LIMITED
PEN UNDERWRITING LIMITED
ROSSBOROUGH INSURANCE BROKERS LIMITED
WESTINSURE GROUP LIMITED
ZENNOR LIMITED
Charles Scott
ANTROBUS INVESTMENTS LIMITED
CHEAM INSURANCE BROKERS LIMITED
CHRIS FROST INSURANCE SERVICES LIMITED
COLEMAN GROUP (HOLDINGS) LIMITED
COLEMAN HOLDINGS LIMITED
COLEMAN MARINE LTD
COULTER HURST AND COMPANY LIMITED
DAVID FANGEN HOLDINGS LIMITED
DAVID FANGEN LIMITED
E. COLEMAN & CO. LIMITED
FOSTER LEIGHTON & COMPANY LIMITED
FOSTER LEIGHTON RISK MANAGERS LIMITED
GPIS LIMITED
HFM COLUMBUS INSURANCE SERVICES LIMITED
INSURANCE ACQUISITIONS HOLDINGS LIMITED
J C RICHARDS LIMITED
LUCAS FETTES AND PARTNERS LIMITED
LUCAS FETTES LIMITED
MEDICAL PROFESSIONAL INDEMNITY GROUP LIMITED
PARISH COUNCIL INSURANCE BROKERS LTD
PLEXSTAR INSURANCE SERVICES LIMITED
PLOUGH COURT INSURANCE SERVICES LIMITED
PTARMIGAN UNDERWRITING AGENCY LIMITED
PTARMIGAN UNDERWRITING UK LIMITED
RHB INSURANCE SERVICES LIMITED
RISK SOLUTIONS GROUP LIMITED
STACKHOUSE FISHER LIMITED
STACKHOUSE POLAND BIDCO LIMITED
STACKHOUSE POLAND GROUP LIMITED
STACKHOUSE POLAND HOLDINGS LTD
STACKHOUSE POLAND MIDCO LIMITED
SUTTON MEEARS & COMPANY LIMITED
THE HEALTHCARE MANAGEMENT COMPANY (UK) LIMITED
TITLE INVESTMENTS LTD
W BURCH & SON LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Jun-2022 31-Dec-2014 31-Dec-2013
Balance Sheet
Fixed Assets 805,000 805,000 834,000
Current Assets 18,221,000 18,221,000 16,922,000
Creditors Due Within One Year 13,037,000 13,037,000 14,421,000
Working Cap 5,184,000 5,184,000 2,501,000
Total Assets Less Current Liabilities 5,989,000 5,989,000 3,335,000
Long-term Liabilities 1,222,000 1,222,000 1,343,000
Net Assets 4,767,000 4,767,000 1,992,000
Share Capital & Reserves
Share Cap 2,001,000 2,001,000 2,001,000
Profit & Loss Reserves 2,264,000 2,264,000 -511,000
Other Reserves 502,000 502,000 502,000
Shareholders Funds 4,767,000 4,767,000 1,992,000
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2022 31-Dec-2014 31-Dec-2013
Tangible Fixed Assets - - -
Fixed Assets 4.2% 4.2% 4.7%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 30.6% 30.6% 28.1%
Cash Bank In Hand 45.6% 45.6% 50.4%
Current Assets 95.8% 95.8% 95.3%
Creditors Due Within One Year 68.5% 68.5% 81.2%
Net Current Assets Liabilities 27.2% 27.2% 14.1%
Creditors Due After One Year 6.4% 6.4% 7.6%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 25.1% 25.1% 11.2%
Called Up Share Capital 10.5% 10.5% 11.3%
Share Capital Allotted Called Up Paid 10.5% 10.5% 11.3%
Profit Loss Account Reserve 11.9% 11.9% -2.9%
Shareholder Funds 25.1% 25.1% 11.2%
Capital Employed - - -
Total Assets Less Current Liabilities 31.5% 31.5% 18.8%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2022 31-Dec-2014 31-Dec-2013
Liquidity Ratio 1.4 1.4 1.2
Solvency Ratio 1.3 1.3 1.1
Reserves to Assets 0.1 0.1 0.0
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-Jun-2022 31-Dec-2014 31-Dec-2013
Assets 19,026,000 19,026,000 17,756,000
Debt 14,259,000 14,259,000 15,764,000
Net Assets/Debt 4,767,000 4,767,000 1,992,000

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 amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet. 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 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 amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet. 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 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 amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet. 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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Document Filings
Director's details changed for Mr Charles Douglas Scott on 23 June 2023
Director's details changed for Mr Michael Peter Rea on 2 August 2023
Change of details for Friary Intermediate Limited as a person with significant control on 6 April 2016
Confirmation statement made on 29 June 2023 with no updates
Termination of appointment of Carol Richmond as a director on 14 April 2023
Confirmation statement made on 29 June 2022 with no updates
Confirmation statement made on 29 June 2021 with updates
Director's details changed for Ms Carol Richmond on 17 March 2020
Statement by Directors
Statement of capital on 23 October 2020
Solvency Statement dated 23/09/20
Resolutions
Confirmation statement made on 29 June 2020 with no updates
Previous accounting period extended from 31 December 2018 to 30 June 2019
Confirmation statement made on 29 June 2019 with no updates
Appointment of Mr Alistair Charles Peel as a secretary on 10 August 2018
Termination of appointment of William Lindsay Mcgowan as a secretary on 10 August 2018
Appointment of Mr Charles Douglas Scott as a director on 30 June 2018
Termination of appointment of Ian Graham Story as a director on 30 June 2018
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