Company Overview
Niche Cover Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 19 May 2020. Niche Cover Limited has been in business for 5 years and 10 months. The accounts status is total exemption full and the accounts are next due on Saturday 28 February 2026.
Registered Address

142-154 Congleton Road Kidsgrove, Stoke On Trent, Staffordshire, ST7 1LX
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Companies House Data
Company NameNICHE COVER LIMITED
Company Number12611667
Registered Office Address142-154 Congleton Road Kidsgrove
 ST7 1LX
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date19/05/2020
Accounting Reference Date Day30
Accounting Reference Date Month5
Accounts Next Due Date28/02/2026
Accounts Last Made Up Date31/05/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date16/06/2021
Previous Company NameChanged Date
HWS GROUP LIMITED30 Nov 2020
Directors & Members
Show Resigned
Richard Fullerton - Director
(British, 50 years old, born June 1976)
Appointed 19 May 2020
 Active
Nigel Harper - Director
(British, 52 years old, born March 1974)
Appointed 19 May 2020
 Active
Garrath Hussey - Director
(British, 48 years old, born September 1978)
Appointed 19 May 2020
 Active
Christopher Lear - Director
(British, 51 years old, born June 1975)
Appointed 19 May 2020
 Active
Kevin Phillips - Director
(British, 57 years old, born November 1969)
Appointed 19 May 2020
 Active
Kevin Ware - Director
(British, 47 years old, born April 1979)
Appointed 09 April 2024
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Richard Fullerton
ENSCO 1292 LIMITED
GSI COMMERCIAL LIMITED
INSURANCE FUNDING LIMITED
THE MOTOR TRADE CLUB LIMITED
THINK (HOLDINGS) LIMITED
THINK INSURANCE SERVICES LIMITED
WEST MIDLANDS HOMES LIMITED
Nigel Harper
No companies found
Garrath Hussey
ENSCO 1292 LIMITED
GIANTS CAVE LTD
INSURANCE FUNDING LIMITED
THE MOTOR TRADE CLUB LIMITED
THINK (HOLDINGS) LIMITED
THINK INSURANCE SERVICES LIMITED
WEST MIDLANDS HOMES LIMITED
Christopher Lear
JSJ PRECISION ENGINEERING LIMITED
THE PLOUGH INN LIMITED
Kevin Phillips
No companies found
Kevin Ware
No companies found
Balance Sheet Unlock full report
Accounts Date 31-May-2024 31-May-2023 31-May-2022
Balance Sheet
Fixed Assets 1,219 1,219 2,532
Current Assets 104,724 104,724 55,103
Creditors Due Within One Year 93,652 93,652 24,885
Working Cap 11,072 11,072 30,218
Total Assets Less Current Liabilities 12,291 12,291 32,750
Long-term Liabilities 12,228 12,228 32,690
Net Assets 63 63 60
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 63 63 60
Common Size Financial Analysis Unlock full report
Accounts Date 31-May-2024 31-May-2023 31-May-2022
Tangible Fixed Assets - - -
Fixed Assets 1.2% 1.2% 4.4%
Stocks Inventory - - -
Debtors 41.8% 41.8% 80.0%
Cash Bank In Hand 57.0% 57.0% 15.6%
Current Assets 98.8% 98.8% 95.6%
Creditors Due Within One Year 88.4% 88.4% 43.2%
Net Current Assets Liabilities 10.5% 10.5% 52.4%
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 0.1% 0.1% 0.1%
Capital Employed - - -
Total Assets Less Current Liabilities 11.6% 11.6% 56.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-May-2024 31-May-2023 31-May-2022
Liquidity Ratio 1.1 1.1 2.2
Solvency Ratio 1.0 1.0 1.0
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-May-2024 31-May-2023 31-May-2022
Assets 105,943 105,943 57,635
Debt 105,880 105,880 57,575
Net Assets/Debt 63 63 60

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. 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 slender margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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. 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 slender margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   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. 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 slender margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 ST7 1LX
ONE SURE INSURANCE LIMITED
SPITFIRE HOUSE 142-154 CONGLETON ROAD, TALKE, STOKE ON TRENT, STAFFORDSHIRE, ST7 1LX
LEAD GENIE LIMITED
142-154 CONGLETON ROAD, TALKE, STOKE-ON-TRENT, ST7 1LX
THE PLOUGH INN LIMITED
142-154 CONGLETON ROAD, TALKE, STOKE-ON-TRENT, ST7 1LX
Document Filings
Confirmation statement made on 1 June 2025 with no updates
Confirmation statement made on 1 June 2024 with no updates
Appointment of Mr Kevin Ware as a director on 9 April 2024
Termination of appointment of Rachel Louise Phillips as a director on 22 February 2024
Confirmation statement made on 1 June 2023 with updates
Correction of allotment details of form SH01 registered on 20/10/22. Shares allotted on 20/10/22. Barcode xbezxoky
Second filing of a statement of capital following an allotment of shares on 20 October 2022
Sub-division of shares on 19 October 2022
Statement of capital following an allotment of shares on 20 October 2022
Confirmation statement made on 1 June 2022 with no updates
Previous accounting period shortened from 31 May 2021 to 30 May 2021
Confirmation statement made on 1 June 2021 with no updates
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Incorporation
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