GUARDIAN ROYAL EXCHANGE PUBLIC LIMITED COMPANY Credit Check Report

Company Overview

Guardian Royal Exchange Public Limited Company is listed at the official companies registry as Active Public Limited Company. The company was incorporated on Friday 01 June 1984, so this is a well established company. Guardian Royal Exchange Public Limited Company has been in business for 41 years and 10 months. The accounts status is full and the accounts are next due on Tuesday 30 June 2026.

Registered Address

20 Gracechurch Street, London, EC3V 0BG

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Companies House Data

Company Name	GUARDIAN ROYAL EXCHANGE PUBLIC LIMITED COMPANY
Company Number	01821312
Registered Office Address	20 Gracechurch Street
	EC3V 0BG
Company Category	Public Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	01/06/1984
Accounting Reference Date Day	31
Accounting Reference Date Month	12
Accounts Next Due Date	30/06/2026
Accounts Last Made Up Date	31/12/2024
Accounts Account Category	FULL
Returns Next Due Date	21/05/2017
Returns Last Made Up Date	23/04/2016

Directors & Members

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	George Adeane - Director (British, 87 years old, born October 1939)	Resigned
	Christopher Bobby - Director (British, 60 years old, born April 1966) Appointed 16 July 2015, Resigned 31 December 2019	Resigned
	Amelie Breitburd - Director (French, 57 years old, born March 1969) Appointed 01 January 2019, Resigned 31 March 2020	Resigned
	Volker Bremkamp - Director (German, 82 years old, born March 1944) Appointed 01 September 1995, Resigned 12 May 1999	Resigned
	Caroline Burton - Director (British, 76 years old, born January 1950)	Resigned
	Colin Chandler - Director (British, 87 years old, born October 1939) Appointed 01 September 1995, Resigned 12 May 1999	Resigned
	Henri De La Serve - Director (French, 43 years old, born April 1983) Appointed 01 September 2025	Active
	Jean Drouffe - Director (French, 51 years old, born February 1975) Appointed 01 September 2010, Resigned 31 August 2013	Resigned
	Carl Dunstall - Director (British, 46 years old, born September 1980) Appointed 22 December 2025	Active
	Paul Evans - Director (British, 61 years old, born March 1965) Appointed 08 July 2002, Resigned 12 August 2003	Resigned
	Donald Gordon - Director (South African, 96 years old, born June 1930)	Resigned
	Charles Hambro - Director (British, 96 years old, born July 1930)	Resigned
	Andrew Haste - Director (British, 64 years old, born January 1962) Appointed 22 December 1999, Resigned 08 July 2002	Resigned
	Brian Hayes - Director (British, 97 years old, born May 1929)	Resigned
	Dennis Holt - Director (British, 78 years old, born October 1948) Appointed 17 September 2001, Resigned 30 June 2006	Resigned
	Andrew Homer - Director (British, 73 years old, born March 1953) Appointed 12 May 1999, Resigned 16 November 2001	Resigned
	Sidney Hopkins - Director (British, 94 years old, born April 1932)	Resigned
	Peter Hubbard - Director (British, 71 years old, born November 1955) Appointed 08 July 2002, Resigned 11 April 2008	Resigned
	Waseem Malik - Director (British, 50 years old, born July 1976) Appointed 26 November 2010, Resigned 31 March 2018	Resigned
	Philippe Maso Y Guell Rivet - Director (French, 60 years old, born February 1966) Appointed 12 August 2003, Resigned 02 March 2011	Resigned
	James McDonough - Director (British, 93 years old, born May 1933)	Resigned
	John Menzies - Director (British, 100 years old, born October 1926)	Resigned
	Roland Moquet - Director (French, 50 years old, born April 1976) Appointed 01 April 2020, Resigned 01 September 2025	Resigned
	Nicolas Moreau - Director (French, 61 years old, born May 1965) Appointed 01 July 2006, Resigned 30 September 2010	Resigned
	James Morley - Director (United Kingdom, 77 years old, born February 1949)	Resigned
	Paul Newall - Director (British, 92 years old, born September 1934) Appointed 15 March 1995, Resigned 12 May 1999	Resigned
	Robert Organ - Director (British, 57 years old, born June 1969) Appointed 04 September 2013, Resigned 30 April 2015	Resigned
	Arthur Owen - Director (United Kingdom, 77 years old, born February 1949) Appointed 12 May 1999, Resigned 22 December 1999	Resigned
	Peter Owen - Director (British, 80 years old, born October 1946) Appointed 24 February 1998, Resigned 05 November 1999	Resigned
	Robin Pagden - Director (British, 61 years old, born July 1965) Appointed 25 May 2018, Resigned 22 December 2025	Resigned
	Tracy Page - Director (British, 45 years old, born June 1981) Appointed 05 December 2019	Active
	Raymond Pierce - Director (British, 80 years old, born March 1946) Appointed 29 July 1997, Resigned 12 May 1999	Resigned

Secretaries

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	Karina Bye - Secretary Appointed 30 April 2025	Active
	John Clayton - Secretary (British)	Resigned
	Sarah O'reilly - Secretary Appointed 19 June 2024, Resigned 30 April 2025	Resigned

Other Company Directorships

Balance Sheet

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Accounts Date	31-Dec-2024	31-Dec-2011	31-Dec-2010
Balance Sheet
Fixed Assets	5,688,000,000	5,688,000,000	6,022,000,000
Current Assets	2,951,000,000	2,951,000,000	2,363,000,000
Creditors Due Within One Year	1,029,000,000	1,029,000,000	961,000,000
Working Cap	1,922,000,000	1,922,000,000	1,402,000,000
Total Assets Less Current Liabilities	7,610,000,000	7,610,000,000	7,424,000,000
Long-term Liabilities	5,536,000,000	5,536,000,000	5,391,000,000
Net Assets	2,074,000,000	2,074,000,000	2,033,000,000
Share Capital & Reserves
Share Cap	56,000,000	56,000,000	56,000,000
Profit & Loss Reserves	956,000,000	956,000,000	935,000,000
Other Reserves	1,062,000,000	1,062,000,000	1,042,000,000
Shareholders Funds	2,074,000,000	2,074,000,000	2,033,000,000

Common Size Financial Analysis

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Accounts Date	31-Dec-2024	31-Dec-2011	31-Dec-2010
Tangible Fixed Assets	-	-	-
Fixed Assets	65.8%	65.8%	71.8%
Stocks Inventory	0.0%	0.0%	0.0%
Debtors	8.6%	8.6%	11.7%
Cash Bank In Hand	6.0%	6.0%	2.1%
Current Assets	34.2%	34.2%	28.2%
Creditors Due Within One Year	11.9%	11.9%	11.5%
Net Current Assets Liabilities	22.2%	22.2%	16.7%
Creditors Due After One Year	0.0%	0.0%	0.0%
Accruals Deferred Income	-	-	-
Provisions For Liabilities Charges	-	-	-
Net Assets Liabilities Including Pension Asset Liability	24.0%	24.0%	24.2%
Called Up Share Capital	0.6%	0.6%	0.7%
Share Capital Allotted Called Up Paid	0.6%	0.6%	0.7%
Profit Loss Account Reserve	11.1%	11.1%	11.2%
Shareholder Funds	24.0%	24.0%	24.2%
Capital Employed	-	-	-
Total Assets Less Current Liabilities	88.1%	88.1%	88.5%

Financial Ratio Analysis

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Accounts Date	31-Dec-2024	31-Dec-2011	31-Dec-2010
Liquidity Ratio	2.9	2.9	2.5
Solvency Ratio	1.3	1.3	1.3
Reserves to Assets	0.1	0.1	0.1

Secured Creditors

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Mortgages Charges	0
Mortgages Outstanding	0
Mortgages Part Satisfied	0
Mortgages Satisfied	0

Assets and Debt Analysis

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Accounts Date	31-Dec-2024	31-Dec-2011	31-Dec-2010
Assets	8,639,000,000	8,639,000,000	8,385,000,000
Debt	6,565,000,000	6,565,000,000	6,352,000,000
Net Assets/Debt	2,074,000,000	2,074,000,000	2,033,000,000

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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

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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

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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

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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

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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

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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)

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

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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

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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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	CATLIN (NORTH AMERICAN) HOLDINGS LTD C/O Grant Thornton Uk Llp, 30 Finsbury Square, London, EC3V 0BG
	AXA XL SYNDICATE LIMITED 20 GRACECHURCH STREET, LONDON, EC3V 0BG
	CATLIN HOLDINGS (UK) LIMITED 30 Finsbury Square, London, EC3V 0BG
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	NEON MANAGEMENT SERVICES LIMITED C/O Pkf Littlejohn Advisory 4th Floor 12, King Street, Leeds, EC3V 0BG
	CATLIN RISK SOLUTIONS LIMITED 20 GRACECHURCH STREET, LONDON, EC3V 0BG
	RSL NO.51 LIMITED 5th Floor, 70 Gracechurch Street, London, EC3V 0BG
	BENTLEY SYSTEMS (UK) LIMITED 8 BISHOPSGATE, 43RD FLOOR, LONDON, EC3V 0BG
	CATLIN (WELLINGTON) UNDERWRITING AGENCIES LIMITED 30 Finsbury Square, London, EC3V 0BG

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