Company Overview
Covea Insurance Plc is listed at the official companies registry as Active Public Limited Company. The company was incorporated on Monday 20 October 1958, so this is a well established company. Covea Insurance Plc has been in business for 67 years and 5 months. The accounts status is full and the accounts are next due on Tuesday 30 June 2026.
Registered Address

A&B Mills, Dean Clough, Halifax, HX3 5AX
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Companies House Data
Company NameCOVEA INSURANCE PLC
Company Number00613259
Registered Office AddressA&B Mills
 Dean Clough
 HX3 5AX
Company CategoryPublic Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date20/10/1958
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/06/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryFULL
Returns Next Due Date22/06/2017
Returns Last Made Up Date25/05/2016
Previous Company NameChanged Date
MMA INSURANCE PLC01 Oct 2012
Directors & Members
Show Resigned
Francois Bucchini - Director
(French, 66 years old, born January 1960)
Appointed 05 May 2023
 Active
Jane Dale - Director
(British, 66 years old, born February 1960)
Appointed 22 February 2017
 Active
Jonathan Eddis - Director
(British, 66 years old, born May 1960)
Appointed 06 November 2023
 Active
Claire Ferrari - Director
(French, 57 years old, born May 1969)
Appointed 02 January 2024
 Active
Jeffrey Herdman - Director
(British, 73 years old, born January 1953)
Appointed 03 October 2023
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Francois Bucchini
COVÉA LIFE LIMITED
MMA HOLDINGS UK PLC
Jane Dale
ABBOTT BURKE ASSOCIATES LIMITED
AMBER FINANCIAL INVESTMENTS LIMITED
AVIVA PROTECTION UK LIMITED
BHSF CORPORATE HEALTHCARE (HOLDINGS) LIMITED
BHSF EMPLOYEE BENEFITS LIMITED
BHSF GROUP LIMITED
BHSF LIMITED
BHSF MANAGEMENT SERVICES LIMITED
BHSF MEDICAL PRACTICE LIMITED
BIZSPACE HOLDINGS LIMITED
BRITISH GAS SERVICES LIMITED
BROWN & BROWN (EUROPE) HOLDCO LIMITED
BROWN & BROWN (EUROPE) LIMITED
BROWN & BROWN INSURANCE BROKERS (UK) LIMITED
CASLP LTD
CHESNARA PLC
COUNTRYWIDE ASSURED PLC
COVÉA LIFE LIMITED
ECCLESIASTICAL INSURANCE OFFICE PUBLIC LIMITED COMPANY
JANE DALE LIMITED
NETWORK INSURANCE BROKERS LIMITED
NEXUS HEALTHCARE LTD
NOVIA FINANCIAL PLC
OCCUPATIONAL HEALTH CONSULTANTS LIMITED
OPTIMA HEALTH (BIRMINGHAM) LIMITED
THE QUANTA GROUP (HOLDINGS) LIMITED
WEALTHTIME LIMITED
Jonathan Eddis
BETEX LLP
COVÉA LIFE LIMITED
N M ROTHSCHILD CORPORATE FINANCE LIMITED
N. M. ROTHSCHILD & SONS LIMITED
RACING WELFARE
WEATHERBYS BANK LIMITED
Claire Ferrari
COVÉA LIFE LIMITED
SLI SERVICES LIMITED
Jeffrey Herdman
ASTRENSKA INSURANCE LIMITED
COLLINSON INSURANCE SERVICES LIMITED
COVÉA LIFE LIMITED
HSB ENGINEERING INSURANCE LIMITED
PRISM NETWORK LIMITED
QLAIMS LIMITED
TASKER INSURANCE GROUP LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2016 31-Dec-2015
Balance Sheet
Fixed Assets 1,081,960,000 1,081,960,000 939,757,000
Current Assets 236,490,000 236,490,000 234,815,000
Creditors Due Within One Year 54,628,000 54,628,000 54,968,000
Working Cap 181,862,000 181,862,000 179,847,000
Total Assets Less Current Liabilities 1,263,822,000 1,263,822,000 1,119,604,000
Long-term Liabilities 968,752,000 968,752,000 865,500,000
Net Assets 295,070,000 295,070,000 254,104,000
Share Capital & Reserves
Share Cap 158,224,000 158,224,000 153,706,000
Profit & Loss Reserves 135,069,000 135,069,000 98,621,000
Other Reserves 1,777,000 1,777,000 1,777,000
Shareholders Funds 295,070,000 295,070,000 254,104,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2016 31-Dec-2015
Tangible Fixed Assets - - -
Fixed Assets 82.1% 82.1% 80.0%
Stocks Inventory - - 0.0%
Debtors 8.8% 8.8% 10.8%
Cash Bank In Hand 5.8% 5.8% 6.8%
Current Assets 17.9% 17.9% 20.0%
Creditors Due Within One Year 4.1% 4.1% 4.7%
Net Current Assets Liabilities 13.8% 13.8% 15.3%
Creditors Due After One Year 73.5% 73.5% 73.7%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 22.4% 22.4% 21.6%
Called Up Share Capital 12.0% 12.0% 13.1%
Share Capital Allotted Called Up Paid 12.0% 12.0% 13.1%
Profit Loss Account Reserve 10.2% 10.2% 8.4%
Shareholder Funds 22.4% 22.4% 21.6%
Capital Employed - - -
Total Assets Less Current Liabilities 95.9% 95.9% 95.3%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2016 31-Dec-2015
Liquidity Ratio 4.3 4.3 4.3
Solvency Ratio 1.3 1.3 1.3
Reserves to Assets 0.1 0.1 0.1
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 31-Dec-2016 31-Dec-2015
Assets 1,318,450,000 1,318,450,000 1,174,572,000
Debt 1,023,380,000 1,023,380,000 920,468,000
Net Assets/Debt 295,070,000 295,070,000 254,104,000

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 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 substantial net assets of a large company. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 substantial net assets of a large company. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   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 substantial net assets of a large company. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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
Appointment of Ms Heather Roberta Mckinlay as a director on 23 March 2026
Appointment of Mr Pascal Philippe Salelles as a director on 8 January 2026
Termination of appointment of Nicolas Brooke as a director on 15 September 2025
Memorandum and Articles of Association
Resolutions
Director's details changed for Mr Emeric De Souance on 28 August 2024
Confirmation statement made on 1 June 2025 with no updates
Confirmation statement made on 1 June 2024 with updates
Appointment of Mr Nicolas Brooke as a director on 2 January 2024
Appointment of Claire Ferrari as a director on 2 January 2024
Appointment of Mr Emeric De Souance as a director on 2 January 2024
Termination of appointment of Thierry Francq as a director on 31 December 2023
Statement of capital following an allotment of shares on 14 December 2023
Termination of appointment of Sarah Robinson as a secretary on 8 December 2023
Appointment of Mrs Rebecca Lawry as a secretary on 5 December 2023
Appointment of Mr Jonathan Lancelot Eddis as a director on 6 November 2023
Termination of appointment of Stephen Andrew Clarke as a director on 31 October 2023
Termination of appointment of John Peter Clarkson Allen as a director on 16 October 2023
Appointment of Mr Jeffrey Niven Herdman as a director on 3 October 2023
Appointment of Ms Sarah Robinson as a secretary on 1 August 2023
Termination of appointment of Annabel Felicity Wilson as a secretary on 28 July 2023
Appointment of Mr Nicolas Moreau as a director on 15 June 2023
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