Company Overview
Optimise Risk Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 07 February 2013, so this is a well established company. Optimise Risk Limited has been in business for 13 years and 1 month. The accounts status is unaudited abridged and the accounts are next due on Thursday 31 December 2026.
Registered Address

Rutherford House Warrington Road, Birchwood, Warrington, Cheshire, WA3 6ZH
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Companies House Data
Company NameOPTIMISE RISK LIMITED
Company Number08393734
Registered Office AddressRutherford House Warrington Road
 Birchwood
 WA3 6ZH
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date07/02/2013
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryUNAUDITED ABRIDGED
Returns Next Due Date07/03/2017
Returns Last Made Up Date07/02/2016
Previous Company NameChanged Date
OPTIMISE PMO LIMITED07 Jun 2019
LIVINGSTONE CONTRACTING LIMITED18 Jan 2017
Directors & Members
Show Resigned
Paul Disley - Director
(British, 55 years old, born February 1971)
Appointed 06 April 2019
 Active
Matthew Livingstone - Director
(British, 42 years old, born March 1984)
Appointed 07 February 2013
 Active
Paul Sutcliffe - Director
(British, 53 years old, born November 1973)
Appointed 06 April 2019
 Active
Nadine Sutcliffe - Director
(British, 43 years old, born July 1983)
Appointed 06 April 2019
 Active
Secretaries
Paul Sutcliffe - Secretary
Appointed 24 November 2025
 Active
Other Company Directorships
Paul Disley
IMPROVE (PROPERTIES) LIMITED
IMPROVE RESIDENTIAL LIMITED
IMPROVE RISK & VALUE LTD
Matthew Livingstone
FAIRVIEW PROPERTIES LIMITED
Paul Sutcliffe
BELLEAIR MANAGEMENT LIMITED
BELLEAIR PROPERTIES LTD
MAPLE MANAGED SOLUTIONS LIMITED
PJS PROFESSIONAL SERVICES LIMITED
Nadine Sutcliffe
BELLEAIR PROPERTIES LTD
CHIC BABY BOUTIQUE LTD
MAPLE MANAGED SOLUTIONS LIMITED
PJS PROFESSIONAL SERVICES LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 15,203 15,203 39,101
Current Assets 192,435 192,435 189,602
Creditors Due Within One Year 185,733 185,733 132,086
Working Cap 6,702 6,702 57,516
Total Assets Less Current Liabilities 21,905 21,905 96,617
Long-term Liabilities 21,896 21,896 29,325
Net Assets 9 9 67,292
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 9 9 67,292
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 7.3% 7.3% 17.1%
Stocks Inventory - - -
Debtors 45.8% 45.8% 69.3%
Cash Bank In Hand 46.9% 46.9% 13.6%
Current Assets 92.7% 92.7% 82.9%
Creditors Due Within One Year 89.5% 89.5% 57.8%
Net Current Assets Liabilities 3.2% 3.2% 25.1%
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 0.0% 0.0% 29.4%
Capital Employed - - -
Total Assets Less Current Liabilities 10.5% 10.5% 42.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Liquidity Ratio 1.0 1.0 1.4
Solvency Ratio 1.0 1.0 1.4
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 31-Mar-2025 31-Mar-2023 31-Mar-2022
Assets 207,638 207,638 228,703
Debt 207,629 207,629 161,411
Net Assets/Debt 9 9 67,292

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 displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small 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 displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small 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 displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small 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
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Document Filings
Registered office address changed from Oltec House 18 Beecham Court Wigan WN3 6PR England to 920 Birchwood Boulevard Birchwood Warrington Cheshire WA3 7QS on 25 March 2026
Confirmation statement made on 2 January 2026 with updates
Statement of capital following an allotment of shares on 25 November 2025
Director's details changed for Mr Paul John Sutcliffe on 6 April 2025
Director's details changed for Mrs Nadine Clare Sutcliffe on 6 April 2025
Notification of Paul Francis Disley as a person with significant control on 25 November 2025
Notification of Matthew Lee Livingstone as a person with significant control on 25 November 2025
Cessation of Paul John Sutcliffe as a person with significant control on 24 November 2025
Cessation of Matthew Lee Livingstone as a person with significant control on 24 November 2025
Cessation of Paul Francis Disley as a person with significant control on 24 November 2025
Appointment of Mr Paul John Sutcliffe as a secretary on 24 November 2025
Cessation of Danielle Leeza Mudd as a person with significant control on 24 November 2025
Termination of appointment of Danielle Leeza Mudd as a director on 24 November 2025
Registered office address changed from Rutherford House Warrington Road Birchwood Warrington Cheshire WA3 6ZH England to Oltec House 18 Beecham Court Wigan WN3 6PR on 3 September 2025
Confirmation statement made on 7 February 2025 with updates
Confirmation statement made on 7 February 2024 with updates
Confirmation statement made on 7 February 2023 with updates
Change of details for Miss Danielle Leeza Mudd as a person with significant control on 1 September 2022
Director's details changed for Miss Danielle Leeza Mudd on 1 September 2022
Change of details for Mr Paul John Sutcliffe as a person with significant control on 3 October 2022
Director's details changed for Mr Matthew Lee Livingstone on 23 September 2022
Change of details for Mr Paul Francis Disley as a person with significant control on 1 June 2022
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