Company Overview
Cornerstone Insurance Brokers Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 20 February 2013, so this is a well established company. Cornerstone Insurance Brokers Limited has been in business for 13 years and 1 month. The accounts status is micro entity and the accounts are next due on Wednesday 30 September 2026.
Registered Address

1 George Yard, 4Th Floor, London, EC3V 9DF
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Companies House Data
Company NameCORNERSTONE INSURANCE BROKERS LIMITED
Company Number08411560
Registered Office Address1 George Yard
 4th Floor
 EC3V 9DF
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date20/02/2013
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date20/03/2017
Returns Last Made Up Date20/02/2016
Directors & Members
Show Resigned
Andrew Herbert - Director
(British, 64 years old, born October 1962)
Appointed 20 February 2013
 Active
Nicholas Readings - Director
(British, 74 years old, born June 1952)
Appointed 20 February 2013
 Active
Secretaries
Show Resigned
Lourene Lopez - Secretary
Appointed 06 September 2022
 Active
Other Company Directorships
Andrew Herbert
ASSOCIATION OF OPTOMETRISTS
BRE CERTIFICATION
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BRE GROUP LIMITED
BRE INTERNATIONAL LIMITED
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J N SOLUTIONS LIMITED
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TOUCHSTONE RENARD INTERNATIONAL LIMITED
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YES ECO SOLUTIONS LIMITED
YES ENERGY SOLUTIONS LTD
YESINSULATE LIMITED
YESINSULATIONS LIMITED
YESPROJECTS LIMITED
YESRENEWABLES LTD
YORKSHIRE ENERGY SERVICES CIC
YORKSHIRE ENERGY SERVICES CONSULTING LIMITED
YORKSHIRE ENERGY SERVICES HEATING LIMITED
YORKSHIRE ENERGY SERVICES INSTALLATIONS LTD
YORKSHIRE ENERGY SERVICES TRANSPORT LIMITED
YORKSHIRE ENERGY SERVICES UTILITIES LIMITED
Nicholas Readings
A.U. GROUP BROKERS LIMITED
AJ BROKERS LIMITED
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AMERICOVER LIMITED
ANDREWS WILLIS LIMITED
APPOINTED REPRESENTATIVE 1 LIMITED
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COMPLETE MOTOR SOLUTIONS LIMITED
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INDEPENDENT BROKING SOLUTIONS LIMITED
INDEPENDENT LONDON MARKET SERVICES LIMITED
INDEPENDENT MARKET SOLUTIONS LIMITED
INDEPENDENT SALES & MARKETING LIMITED
INDEPENDENT SERVICES GROUP LIMITED
ISG ADVISORY SERVICES LTD
MGA CAPITAL LIMITED
O2 MANAGEMENT SOLUTIONS LIMITED
P D ADVISORY LIMITED
REMETIS LIMITED
RYAN MOTORSPORT INSURANCE LIMITED
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SU VINO INTERMEDIARIES UK LIMITED
TIER HALL LIMITED
TISG LIMITED
U.S. RE EUROPE HOLDINGS LIMITED
USA RISK INTERMEDIARIES (UK) LIMITED
W-8BEN LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 0 0 0
Current Assets 4,051 4,051 6,214
Creditors Due Within One Year -34,401 -34,401 -27,644
Working Cap 38,452 38,452 33,858
Total Assets Less Current Liabilities 38,452 38,452 33,858
Long-term Liabilities 68,802 68,802 55,288
Net Assets 38,452 38,452 33,858
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 38,452 38,452 33,858
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year -849.2% -849.2% -444.9%
Net Current Assets Liabilities 949.2% 949.2% 544.9%
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 949.2% 949.2% 544.9%
Capital Employed - - -
Total Assets Less Current Liabilities 949.2% 949.2% 544.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio -0.1 -0.1 -0.2
Solvency Ratio 0.1 0.1 0.2
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-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 4,051 4,051 6,214
Debt 34,401 34,401 27,644
Net Assets/Debt 38,452 38,452 33,858

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.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet presents modest net assets.

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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet presents modest net assets.   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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet presents modest net assets.

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 1 George Yard London EC3V 9DF England to 1 George Yard 4th Floor London EC3V 9DF on 2 March 2026
Registered office address changed from 5 5 Churchwell Avenue Easthorpe Colchester Essex CO5 9HN England to 1 George Yard London EC3V 9DF on 25 February 2026
Registered office address changed from 150 Minories London EC3N 1LS England to 5 5 Churchwell Avenue Easthorpe Colchester Essex CO5 9HN on 4 February 2026
Confirmation statement made on 8 December 2025 with updates
Notification of Independent Broking Solutions Limited as a person with significant control on 25 November 2025
Cessation of Patricia Joan Hannam as a person with significant control on 25 November 2025
Termination of appointment of Patricia Joan Hannam as a director on 25 November 2025
Confirmation statement made on 20 February 2025 with no updates
Confirmation statement made on 20 February 2024 with no updates
Confirmation statement made on 20 February 2023 with no updates
Cessation of Andrew Charles Herbert as a person with significant control on 26 October 2022
Cessation of Nicholas Beresford Readings as a person with significant control on 26 October 2022
Notification of Patricia Joan Hannam as a person with significant control on 26 October 2022
Appointment of Ms Lourene Lopez as a secretary on 6 September 2022
Termination of appointment of Patricia Joan Hannam as a secretary on 5 September 2022
Registered office address changed from Unit 2 Kildegaard Business Park Easthorpe Road Easthorpe Colchester Essex CO5 9HE England to 150 Minories London EC3N 1LS on 15 June 2022
Confirmation statement made on 20 February 2022 with updates
Confirmation statement made on 20 February 2021 with no updates
Confirmation statement made on 20 February 2020 with no updates
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