Company Overview
Our Travel Insurance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 23 February 2011, so this is a well established company. Our Travel Insurance Limited has been in business for 15 years and 1 month. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

43A High Street, Kirkcaldy, Fife, KY1 1LL
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Companies House Data
Company NameOUR TRAVEL INSURANCE LIMITED
Company NumberSC394090
Registered Office Address43a High Street
 KY1 1LL
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date23/02/2011
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date23/03/2017
Returns Last Made Up Date23/02/2016
Previous Company NameChanged Date
OUR TRAVEL LIMITED23 Aug 2012
Directors & Members
Kareen Anderson - Director
(British, 52 years old, born August 1974)
Appointed 29 April 2021
 Active
Graeme Clarkson - Director
(British, 73 years old, born May 1953)
Appointed 01 June 2012
 Active
David Nicholson - Director
(British, 64 years old, born June 1962)
Appointed 23 February 2011
 Active
Secretaries
Show Resigned
Graeme Clarkson - Secretary
(British)
Appointed 01 June 2012
 Active
Other Company Directorships
Kareen Anderson
PARK PLACE INSURANCE SERVICES LIMITED
Graeme Clarkson
BAIRD & COMPANY MANAGEMENT LIMITED
CENTRAL SCOTLAND BUILDING SERVICES LIMITED
CLARKSON HAMILTON ( PROPERTY ) LIMITED
CLARKSON HAMILTON LIMITED
KIRKCALDY 4 ALL
NORTH GLEN LAW LLP
SOLUTIONS AT WORK LIMITED
WILLING WAYS LIMITED
David Nicholson
ADVANCE INSURANCE MANAGEMENT SOLUTIONS LIMITED
CENTRAL S.B.S. LIMITED
CENTRAL SCOTLAND BUILDING SERVICES LIMITED
EMPIRE LOYAL LIMITED
FASTBOARD RESTORATIONS LTD
FIRST SENIOR INSURANCE SERVICES LIMITED
GREENER TRAVEL LIMITED
GREENPASS (SCOTLAND) LTD
INFRA-RED HEATING SYSTEMS LIMITED
INSUREDIRECT.CO.UK LIMITED
KINGDOM ASSET MANAGEMENT LIMITED
KINGDOM SERVICES (GARAGE) LIMITED
KINGDOMCOMMS LTD
MORTON NAPIER LIMITED
PARK PLACE INSURANCE SERVICES LIMITED
PLANNED FUTURES (EUROPE) LTD
SALIDA PROPERTIES LIMITED
SCOTS LAW DIRECT LIMITED
THE HOMEWURKING COMPANY LTD
THEGREENTRAVELCOMPANY LIMITED
TRAVEL YOUR WORLD LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 28-Feb-2022 28-Feb-2021
Balance Sheet
Fixed Assets 0 0 0
Current Assets 205,327 205,327 60,645
Creditors Due Within One Year 164,006 164,006 12,106
Working Cap 41,321 41,321 48,539
Total Assets Less Current Liabilities 41,321 41,321 48,539
Long-term Liabilities 35,000 35,000 42,500
Net Assets 6,321 6,321 6,039
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 6,321 6,321 6,039
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 28-Feb-2022 28-Feb-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors 33.8% 33.8% 79.2%
Cash Bank In Hand 66.2% 66.2% 20.8%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 79.9% 79.9% 20.0%
Net Current Assets Liabilities 20.1% 20.1% 80.0%
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 3.1% 3.1% 10.0%
Capital Employed - - -
Total Assets Less Current Liabilities 20.1% 20.1% 80.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 28-Feb-2022 28-Feb-2021
Liquidity Ratio 1.3 1.3 5.0
Solvency Ratio 1.0 1.0 1.1
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 28-Feb-2022 28-Feb-2021
Assets 205,327 205,327 60,645
Debt 199,006 199,006 54,606
Net Assets/Debt 6,321 6,321 6,039

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 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.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 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.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 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 KY1 1LL
ADVANCE INSURANCE MANAGEMENT SOLUTIONS LIMITED
53 High Street, Kirkcaldy, Fife, KY1 1LL
KINGDOMCOMMS LTD
53 High Street, Kirkcaldy, Fife, KY1 1LL
SCOTS LAW DIRECT LIMITED
43A 43A HIGH STREET, KIRKCALDY, KY1 1LL
PARK PLACE INSURANCE SERVICES LIMITED
53 HIGH STREET, KIRKCALDY, FIFE, KY1 1LL
2ND HOME ABROAD LIMITED
57 High St, Kirkcaldy, Fife, KY1 1LL
INFRA-RED HEATING SYSTEMS LIMITED
43a High Street, Kirkcaldy, Fife, KY1 1LL
EMPIRE LOYAL LIMITED
43A HIGH STREET, KIRKCALDY, FIFE, KY1 1LL
Document Filings
Confirmation statement made on 23 February 2026 with no updates
Previous accounting period shortened from 28 February 2025 to 31 December 2024
Confirmation statement made on 23 February 2025 with no updates
Confirmation statement made on 23 February 2024 with no updates
Compulsory strike-off action has been discontinued
Confirmation statement made on 23 February 2023 with no updates
First Gazette notice for compulsory strike-off
Change of details for Mr David James Nicholson as a person with significant control on 21 February 2022
Confirmation statement made on 23 February 2022 with updates
Director's details changed for Mr Graeme Andrew Telford Clarkson on 5 May 2021
Secretary's details changed for Graeme Andrew Telford Clarkson on 5 May 2021
Director's details changed for Mr David James Nicholson on 5 May 2021
Registered office address changed from 57 High Street Kirkcaldy Fife KY1 1LL to 43a High Street Kirkcaldy Fife KY1 1LL on 10 May 2021
Appointment of Mrs Kareen Anderson as a director on 29 April 2021
Change of share class name or designation
Sub-division of shares on 7 April 2021
Resolutions
Confirmation statement made on 23 February 2021 with no updates
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