Company Overview
Philip Williams (G Ins) Management Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 01 February 2018, so this is a well established company. Philip Williams (G Ins) Management Limited has been in business for 8 years and 2 months. The accounts status is audit exemption subsidiary and the accounts are next due on Wednesday 30 September 2026.
Registered Address

35 Walton Road, Stockton Heath, Warrington, Cheshire, WA4 6NW
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Companies House Data
Company NamePHILIP WILLIAMS (G INS) MANAGEMENT LIMITED
Company Number11181168
Registered Office Address35 Walton Road
 Stockton Heath
 WA4 6NW
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date01/02/2018
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date30/09/2024
Accounts Account CategoryAUDIT EXEMPTION SUBSIDIARY
Returns Next Due Date01/03/2019
Directors & Members
Show Resigned
Michael Millar - Director
(British, 38 years old, born March 1988)
Appointed 18 November 2022
 Active
Lee Scott - Director
(British, 57 years old, born April 1969)
Appointed 07 December 2022
 Active
Steven Williams - Director
(British, 55 years old, born October 1971)
Appointed 01 February 2018
 Active
Secretaries
Show Resigned
Graeme Manning - Secretary
Appointed 06 April 2023
 Active
Other Company Directorships
Michael Millar
AJ INSURANCE SERVICE (HOLDINGS) LIMITED
AJ INSURANCE SERVICE LIMITED
ALLEGIANCE INSURE LIMITED
ASTON LARK (TOPCO) LIMITED
ASTON LARK EMPLOYEE BENEFITS LIMITED
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DICKSON FINANCIAL SERVICES LIMITED
ENDSLEIGH INSURANCE SERVICES LIMITED
ENDSLEIGH LIMITED
ESSEX INSURANCE BROKERS LIMITED
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HOWDEN PI LIMITED
HOWDEN RCS LIMITED
HOWDEN UK BROKERS LIMITED
INCEPTA RISK MANAGEMENT LTD
INNOVATION BROKING GROUP LIMITED
ISCA BARUM INSURANCE BROKERS LTD
LAGONDA HOLDCO LIMITED
LGR HOLDINGS LIMITED
REICH INSURANCE BROKERS LIMITED
REICH LIFE LTD
SFS GROUP LIMITED
SFTS TRUSTEES LIMITED
THE HEALTHWISE GROUP LIMITED
UKGLOBAL BROKING GROUP LIMITED
Lee Scott
BUILD-ZONE SURVEY SERVICES LTD
CURTIS MARINE INSURANCE BROKERS LIMITED
HOWDEN UK BROKERS LIMITED
SENNOCKE INTERNATIONAL INSURANCE SERVICES LIMITED
Steven Williams
3 BEAGLES DEVELOPMENT LTD
DUNDONALD ENTERPRISES LIMITED
PWIL BROKERS LIMITED
PWIL MANAGEMENT LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Sep-2024 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 2,983,887 2,983,887 4,695,065
Current Assets 5,872,774 5,872,774 4,230,160
Creditors Due Within One Year 4,406,801 4,406,801 4,413,078
Working Cap 1,465,973 1,465,973 -182,918
Total Assets Less Current Liabilities 4,449,860 4,449,860 4,512,147
Long-term Liabilities 4,298,760 4,298,760 4,361,147
Net Assets 151,100 151,100 151,000
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 151,100 151,100 151,000
Common Size Financial Analysis Unlock full report
Accounts Date 30-Sep-2024 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 33.7% 33.7% 52.6%
Stocks Inventory - - -
Debtors 63.6% 63.6% 37.6%
Cash Bank In Hand 2.7% 2.7% 9.8%
Current Assets 66.3% 66.3% 47.4%
Creditors Due Within One Year 49.8% 49.8% 49.4%
Net Current Assets Liabilities 16.6% 16.6% -2.0%
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 1.7% 1.7% 1.7%
Capital Employed - - -
Total Assets Less Current Liabilities 50.2% 50.2% 50.6%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Sep-2024 31-Mar-2022 31-Mar-2021
Liquidity Ratio 1.3 1.3 1.0
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 30-Sep-2024 31-Mar-2022 31-Mar-2021
Assets 8,856,661 8,856,661 8,925,225
Debt 8,705,561 8,705,561 8,774,225
Net Assets/Debt 151,100 151,100 151,000

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. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender 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 appeared positive. We would normally view a company positively for this. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender 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 appeared positive. We would normally view a company positively for this. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender 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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WINCHESTER INSURANCE SOFTWARE LIMITED
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WELLPLAN LIMITED
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PWIL MANAGEMENT LIMITED
1 Dundonald Avenue, Stockton Heath, Warrington, WA4 6NW
OWN LABEL WINES LIMITED
35 Walton Road, Stockton Heath, Warrington, WA4 6NW
DCS NW LIMITED
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HOMEPLAN INSURANCE SERVICE LIMITED
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Document Filings
Confirmation statement made on 1 March 2026 with no updates
Director's details changed for Lee David Scott on 24 February 2026
Confirmation statement made on 30 September 2025 with no updates
Current accounting period extended from 30 September 2025 to 31 December 2025
Termination of appointment of Margaret Tracy O'dea as a director on 16 July 2025
Termination of appointment of Jonathan Paul Cumpstey as a director on 10 July 2025
Consolidated accounts of parent company for subsidiary company period ending 30/09/24
Notice of agreement to exemption from audit of accounts for period ending 30/09/24
Audit exemption statement of guarantee by parent company for period ending 30/09/24
Satisfaction of charge 111811680002 in full
Confirmation statement made on 30 September 2024 with updates
Registration of charge 111811680003, created on 13 June 2024
Notification of Howden Uk&I Holdings Limited as a person with significant control on 26 October 2023
Cessation of Aston Lark Group Limited as a person with significant control on 26 October 2023
Confirmation statement made on 30 September 2023 with no updates
Director's details changed for Mr Jonathan Paul Cumpstey on 25 September 2023
Current accounting period extended from 31 March 2023 to 30 September 2023
Registration of charge 111811680002, created on 17 July 2023
Registration of charge 111811680001, created on 17 July 2023
Termination of appointment of Robert Michael Alan White as a director on 4 April 2023
Appointment of Mr Graeme Robert Manning as a secretary on 6 April 2023
Appointment of Mr Jonathan Paul Cumpstey as a director on 17 February 2023
Confirmation statement made on 11 January 2023 with updates
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