Company Overview
De Novo Risk Solutions Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 22 June 2016, so this is a well established company. De Novo Risk Solutions Limited has been in business for 9 years and 9 months. The accounts status is micro entity and the accounts are next due on Monday 28 September 2026.
Registered Address

Affinity House, Bindon Road, Taunton, TA2 6AA
Credit Reports Available

These credit rating reports are available now:


Credit Analysts Report
Get Report >>

Standard Credit Report
Get Report >>

Basic Credit Report
Get Report >>

24/7 credit rating data feed - no UK company credit reports are updated faster

Companies House Data
Company NameDE NOVO RISK SOLUTIONS LIMITED
Company Number10246240
Registered Office AddressAffinity House
 Bindon Road
 TA2 6AA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date22/06/2016
Accounting Reference Date Day28
Accounting Reference Date Month12
Accounts Next Due Date28/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date20/07/2017
Directors & Members
Show Resigned
Stephen Astley - Director
(British, 67 years old, born November 1959)
Appointed 01 December 2023
 Active
David Moore - Director
(British, 60 years old, born February 1966)
Appointed 01 December 2023
 Active
Matthew Pyke - Director
(British, 56 years old, born August 1970)
Appointed 01 December 2023
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Stephen Astley
BOSHERS LTD
CLEARBROKING LTD
CLEDDAU HOLDINGS LIMITED
CLEDDAU INSURANCE SERVICES LIMITED
DAVIES CRADDOCK (HOLDINGS) LIMITED
DAVIES CRADDOCK LIMITED
DIRECT CORPORATE RISKS LIMITED
LLOYD & WHYTE COMMUNITY BROKING LTD
MEMBERSHIP PLANS LIMITED
MI SPECIALTY LTD
NATURESAVE POLICIES LIMITED
NORTHCOTT BEATON LIMITED
PLAYLE-RUSSELL (SPECIAL RISKS) LIMITED
PPS GI LIMITED
PROVENANCE IB LTD
SEIB INSURANCE BROKERS LIMITED
SEVERN BAY CORPORATE SOLUTIONS LTD
SOUTH ESSEX INSURANCE HOLDINGS LIMITED
SPECIALIST BROKING RETAIL LIMITED
STRIDE HOLDINGS (CHICHESTER) LIMITED
STRIDE LIMITED
VIRTUOSO INS GROUP LTD
David Moore
ACCESS UNDERWRITING LIMITED
BENEFACT BROKING & ADVISORY HOLDINGS LIMITED
BOSHERS LTD
CLEARBROKING LTD
CLEDDAU HOLDINGS LIMITED
CLEDDAU INSURANCE SERVICES LIMITED
DAVIES CRADDOCK (HOLDINGS) LIMITED
DAVIES CRADDOCK LIMITED
DIRECT CORPORATE RISKS LIMITED
ECCLESIASTICAL FINANCIAL ADVISORY SERVICES LIMITED
ECCLESIASTICAL PLANNING SERVICES LIMITED
GROUT INSURANCE BROKERS LIMITED
INSURANCE BROKING FINANCE LIMITED
LLOYD & WHYTE COMMUNITY BROKING LTD
LLOYD & WHYTE GROUP LIMITED
LLOYD & WHYTE LIMITED
LLOYD AND WHYTE (FINANCIAL SERVICES) LIMITED
LYCETT, BROWNE-SWINBURNE & DOUGLASS LIMITED
MEDICAL MONEY MANAGEMENT (GENERAL INSURANCE BROKERS) LIMITED
MEMBERSHIP PLANS LIMITED
MI SPECIALTY LTD
NATURESAVE POLICIES LIMITED
NORTHCOTT BEATON LIMITED
PLAYLE-RUSSELL (SPECIAL RISKS) LIMITED
PPS GI LIMITED
PROVENANCE IB LTD
SEIB INSURANCE BROKERS LIMITED
SEVERN BAY CORPORATE SOLUTIONS LTD
SPECIALIST BROKING RETAIL LIMITED
STRIDE HOLDINGS (CHICHESTER) LIMITED
STRIDE LIMITED
TAPTAP GIVING LTD
THE MEDICAL INSURANCE ADVISORY BUREAU LIMITED
VIRTUOSO INS GROUP LTD
Matthew Pyke
BENEFACT BROKING & ADVISORY HOLDINGS LIMITED
BINDON ROGERS LTD
BOSHERS LTD
CLEARBROKING LTD
CLEDDAU HOLDINGS LIMITED
CLEDDAU INSURANCE SERVICES LIMITED
DAVIES CRADDOCK (HOLDINGS) LIMITED
DAVIES CRADDOCK LIMITED
DIRECT CORPORATE RISKS LIMITED
INSURANCE BROKING FINANCE LIMITED
LLOYD & WHYTE (SOUTH WEST) LIMITED
LLOYD & WHYTE COMMUNITY BROKING LTD
LLOYD & WHYTE HERITAGE LTD
LLOYD & WHYTE INTERNATIONAL LIMITED
LLOYD & WHYTE LIMITED
LLOYD AND WHYTE (FINANCIAL SERVICES) LIMITED
MEDICAL MONEY MANAGEMENT (GENERAL INSURANCE BROKERS) LIMITED
MEMBERSHIP PLANS LIMITED
MI SPECIALTY LTD
NATURESAVE POLICIES LIMITED
NORTHCOTT BEATON LIMITED
PLAYLE-RUSSELL (SPECIAL RISKS) LIMITED
PPS GI LIMITED
PROVENANCE IB LTD
REEDWAYS INSURANCE SERVICES LIMITED
SEIB INSURANCE BROKERS LIMITED
SIMPLY LISTED LTD.
SOUTH ESSEX INSURANCE HOLDINGS LIMITED
SPECIALIST BROKING RETAIL LIMITED
STRIDE HOLDINGS (CHICHESTER) LIMITED
STRIDE LIMITED
TAUNTON SCHOOL EDUCATIONAL CHARITY
THE MEDICAL INSURANCE ADVISORY BUREAU LIMITED
VIRTUOSO INS GROUP LTD
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 30-Jun-2022 30-Jun-2021
Balance Sheet
Fixed Assets 4,962 4,962 5,265
Current Assets 50,428 50,428 62,557
Creditors Due Within One Year 52,902 52,902 63,690
Working Cap -2,474 -2,474 -1,133
Total Assets Less Current Liabilities 2,488 2,488 4,132
Long-term Liabilities 0 0 0
Net Assets 2,488 2,488 4,132
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 2,488 2,488 4,132
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 30-Jun-2022 30-Jun-2021
Tangible Fixed Assets - - -
Fixed Assets 9.0% 9.0% 7.8%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 91.0% 91.0% 92.2%
Creditors Due Within One Year 95.5% 95.5% 93.9%
Net Current Assets Liabilities -4.5% -4.5% -1.7%
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 4.5% 4.5% 6.1%
Capital Employed - - -
Total Assets Less Current Liabilities 4.5% 4.5% 6.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 30-Jun-2022 30-Jun-2021
Liquidity Ratio 1.0 1.0 1.0
Solvency Ratio 1.0 1.0 1.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 30-Jun-2022 30-Jun-2021
Assets 55,390 55,390 67,822
Debt 52,902 52,902 63,690
Net Assets/Debt 2,488 2,488 4,132

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.

As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest 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.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest 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.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest 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
Other Business around TA2 6AA
LLOYD & WHYTE LIMITED
AFFINITY HOUSE, BINDON ROAD, TAUNTON, SOMERSET, TA2 6AA
LLOYD & WHYTE HERITAGE LTD
Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA
INSURANCE BROKING FINANCE LIMITED
Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA
MEDICAL MONEY MANAGEMENT (GENERAL INSURANCE BROKERS) LIMITED
Affinity House, Bindon Road, Taunton, TA2 6AA
LLOYD AND WHYTE (FINANCIAL SERVICES) LIMITED
AFFINITY HOUSE, BINDON ROAD, TAUNTON, SOMERSET, TA2 6AA
LLOYD & WHYTE GROUP LIMITED
AFFINITY HOUSE, BINDON ROAD, TAUNTON, SOMERSET, TA2 6AA
Document Filings
Director's details changed for Mr David Robert Moore on 12 February 2026
Notification of Lloyd & Whyte Group Ltd as a person with significant control on 16 July 2025
Cessation of Damian Hayes as a person with significant control on 16 July 2025
Termination of appointment of Damian Hayes as a director on 16 July 2025
Confirmation statement made on 28 June 2025 with no updates
Current accounting period extended from 29 June 2024 to 28 December 2024
Confirmation statement made on 28 June 2024 with updates
Previous accounting period shortened from 30 June 2023 to 29 June 2023
Memorandum and Articles of Association
Resolutions
Current accounting period extended from 30 June 2024 to 31 December 2024
Registered office address changed from Office 3, Raglan House Westminster Bank Malvern Worcestershire WR14 4BN England to Affinity House Bindon Road Taunton TA2 6AA on 4 December 2023
Appointment of Mr Stephen Astley as a director on 1 December 2023
Appointment of Mr Matthew Mervyn Pyke as a director on 1 December 2023
Appointment of Mr David Robert Moore as a director on 1 December 2023
Registration of charge 102462400001, created on 30 November 2023
Confirmation statement made on 28 June 2023 with no updates
Confirmation statement made on 28 June 2022 with no updates
Confirmation statement made on 28 June 2021 with no updates
Confirmation statement made on 28 June 2020 with updates
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free