Company Overview
Insurtech Gateway Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 09 February 2016, so this is a well established company. Insurtech Gateway Limited has been in business for 10 years and 1 month. The accounts status is group and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Arquen House, 4-6 Spicer Street, St. Albans, Hertfordshire, AL3 4PQ
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Companies House Data
Company NameINSURTECH GATEWAY LIMITED
Company Number09993810
Registered Office AddressArquen House
 4-6 Spicer Street
 AL3 4PQ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date09/02/2016
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryGROUP
Returns Next Due Date09/03/2017
Previous Company NameChanged Date
HP INSURTECH GATEWAY LIMITED09 Jun 2020
DYNAMIC INSURANCTECH LIMITED28 Apr 2017
Directors & Members
Show Resigned
Tom Bradley - Director
(British, 51 years old, born December 1975)
Appointed 21 October 2021
 Active
Stephen Brittain - Director
(British, 53 years old, born May 1973)
Appointed 26 April 2017
 Active
Richard Chattock - Director
(British, 63 years old, born October 1963)
Appointed 01 June 2018
 Active
Robert Lumley - Director
(British, 61 years old, born April 1965)
Appointed 26 April 2017
 Active
Joel Moxley - Director
(American, 46 years old, born February 1980)
Appointed 04 November 2019
 Active
Secretaries
Show Resigned
Other Company Directorships
Tom Bradley
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Stephen Brittain
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Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2021 31-Dec-2020
Balance Sheet
Fixed Assets 13,660,669 13,660,669 8,000,264
Current Assets 857,497 857,497 1,139,655
Creditors Due Within One Year 86,563 86,563 168,839
Working Cap 770,934 770,934 970,816
Total Assets Less Current Liabilities 14,431,603 14,431,603 8,971,080
Long-term Liabilities 1,343,823 1,343,823 462,749
Net Assets 13,087,780 13,087,780 8,508,331
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 13,087,780 13,087,780 8,508,331
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2021 31-Dec-2020
Tangible Fixed Assets - - -
Fixed Assets 94.1% 94.1% 87.5%
Stocks Inventory - - -
Debtors 4.4% 4.4% 6.8%
Cash Bank In Hand 1.5% 1.5% 5.7%
Current Assets 5.9% 5.9% 12.5%
Creditors Due Within One Year 0.6% 0.6% 1.8%
Net Current Assets Liabilities 5.3% 5.3% 10.6%
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 90.1% 90.1% 93.1%
Capital Employed - - -
Total Assets Less Current Liabilities 99.4% 99.4% 98.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2021 31-Dec-2020
Liquidity Ratio 9.9 9.9 6.7
Solvency Ratio 10.2 10.2 14.5
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-2021 31-Dec-2020
Assets 14,518,166 14,518,166 9,139,919
Debt 1,430,386 1,430,386 631,588
Net Assets/Debt 13,087,780 13,087,780 8,508,331

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. The balance sheet indicates the net assets of a good sized company. 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.

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. The balance sheet indicates the net assets of a good sized company. 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 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. The balance sheet indicates the net assets of a good sized company. 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.

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
Confirmation statement made on 8 February 2026 with updates
Director's details changed for Mr Joel Moxley on 21 January 2026
Change of details for Salica Investments Limited as a person with significant control on 14 January 2026
Confirmation statement made on 8 February 2025 with updates
Termination of appointment of David Preiskel as a secretary on 17 January 2025
Notification of Hambro Perks Limited as a person with significant control on 14 October 2022
Withdrawal of a person with significant control statement on 8 May 2024
Confirmation statement made on 8 February 2024 with updates
Statement of capital following an allotment of shares on 18 September 2023
Statement of capital following an allotment of shares on 3 July 2023
Statement of capital following an allotment of shares on 3 July 2023
Director's details changed for Mr Stephen Alexander Brittain on 3 July 2023
Confirmation statement made on 8 February 2023 with updates
Notification of a person with significant control statement
Cessation of Hambro Perks Limited as a person with significant control on 14 October 2022
Statement of capital following an allotment of shares on 12 December 2022
Memorandum and Articles of Association
Change of share class name or designation
Cancellation of shares. Statement of capital on 14 October 2022
Resolutions
Cancellation of shares. Statement of capital on 14 October 2022
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