Company Overview
Talbot Underwriting Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 03 December 1987, so this is a well established company. Talbot Underwriting Ltd has been in business for 38 years and 4 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

The Aig Building, 58 Fenchurch Street, London, EC3M 4AB
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Companies House Data
Company NameTALBOT UNDERWRITING LTD
Company Number02202362
Registered Office AddressThe Aig Building
 58 Fenchurch Street
 EC3M 4AB
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date03/12/1987
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryFULL
Returns Next Due Date24/08/2016
Returns Last Made Up Date27/07/2015
Directors & Members
Show Resigned
David Batchelor - Director
(British, 75 years old, born October 1951)
Appointed 01 October 2019
 Active
Russell Bean - Director
(British, 56 years old, born August 1970)
Appointed 14 May 2021
 Active
Paola Bergamaschi - Director
(Italian, 65 years old, born June 1961)
Appointed 20 October 2025
 Active
Katherine Coates - Director
(British, 67 years old, born September 1959)
Appointed 12 November 2021
 Active
Richard Cowling - Director
(British, 44 years old, born December 1982)
Appointed 26 April 2022
 Active
Christopher Flatt - Director
(American, 58 years old, born August 1968)
Appointed 11 September 2025
 Active
Jon Hancock - Director
(British, 61 years old, born December 1965)
Appointed 07 December 2020
 Active
Melanie Hind - Director
(British, 63 years old, born April 1963)
Appointed 07 June 2022
 Active
Secretaries
Show Resigned
Other Company Directorships
David Batchelor
No companies found
Russell Bean
R BEAN PROPERTIES
TALBOT UNDERWRITING RISK SERVICES LTD
Paola Bergamaschi
No companies found
Katherine Coates
No companies found
Richard Cowling
AIG INVESTMENTS UK LIMITED
RDC CONSULTING LIMITED
STARSTONE FINANCE LIMITED
TALBOT 2002 UNDERWRITING CAPITAL LTD
TALBOT UNDERWRITING CAPITAL LTD
TALBOT UNDERWRITING HOLDINGS LTD
TALBOT UNDERWRITING SERVICES LTD
WDFC SERVICES LIMITED
WONGA WORLDWIDE LIMITED
WONGA.COM LIMITED
Christopher Flatt
No companies found
Jon Hancock
AMERICAN INTERNATIONAL GROUP UK LIMITED
COVERSELECT LTD
FYFE GROUP LTD
INTERNATIONAL INSURANCE COMPANY OF HANNOVER PLC
INTERNATIONAL INSURANCE COMPANY OF HANNOVER SE
INTERNATIONAL UNDERWRITING ASSOCIATION OF LONDON LIMITED
LIABILITY INSURANCE SOLUTIONS LIMITED
LLOYD'S INSURANCE COMPANY
MAGIAN UNDERWRITING AGENCY (1998) LIMITED
MARTELLO PROFESSIONAL RISKS LIMITED
MOTOR TRADE SOLUTIONS LIMITED
NOBLE INSURANCE SERVICES LTD
NOBLE MARINE (UNDERWRITING AGENCIES) LIMITED
ROAD RUNNER MOTOR TRADE LTD
ROYAL & SUN ALLIANCE REINSURANCE LIMITED
SATURN PROFESSIONAL RISKS LIMITED
SEE CHANGE FILMS
THE MARINE INSURANCE COMPANY LIMITED
Melanie Hind
BGL DIRECT LIFE LIMITED
DISASTERS EMERGENCY COMMITTEE
FAMILY INVESTMENT MANAGEMENT LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Balance Sheet
Fixed Assets 3,797,965 3,797,965 4,109,894
Current Assets 17,645,213 17,645,213 14,152,030
Creditors Due Within One Year 5,762,760 5,762,760 8,253,468
Working Cap 11,882,453 11,882,453 5,898,562
Total Assets Less Current Liabilities 15,680,418 15,680,418 10,008,456
Long-term Liabilities 0 0 0
Net Assets 15,680,418 15,680,418 10,008,456
Share Capital & Reserves
Share Cap 400,000 400,000 400,000
Profit & Loss Reserves 15,280,418 15,280,418 9,608,456
Other Reserves 0 0 0
Shareholders Funds 15,680,418 15,680,418 10,008,456
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Tangible Fixed Assets - - -
Fixed Assets 17.7% 17.7% 22.5%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 0.0% 0.0% 0.0%
Cash Bank In Hand 0.0% 0.0% 0.0%
Current Assets 82.3% 82.3% 77.5%
Creditors Due Within One Year 26.9% 26.9% 45.2%
Net Current Assets Liabilities 55.4% 55.4% 32.3%
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 73.1% 73.1% 54.8%
Called Up Share Capital 1.9% 1.9% 2.2%
Share Capital Allotted Called Up Paid 1.9% 1.9% 2.2%
Profit Loss Account Reserve 71.3% 71.3% 52.6%
Shareholder Funds 73.1% 73.1% 54.8%
Capital Employed - - -
Total Assets Less Current Liabilities 73.1% 73.1% 54.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Liquidity Ratio 3.1 3.1 1.7
Solvency Ratio 3.7 3.7 2.2
Reserves to Assets 0.7 0.7 0.5
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 3
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Assets 21,443,178 21,443,178 18,261,924
Debt 5,762,760 5,762,760 8,253,468
Net Assets/Debt 15,680,418 15,680,418 10,008,456

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 net assets of a good sized company. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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 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 net assets of a good sized company. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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 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 net assets of a good sized company. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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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Document Filings
Termination of appointment of Abayomi Akisanya as a secretary on 31 December 2025
Appointment of Ms Paola Bergamaschi as a director on 20 October 2025
Appointment of Mr Christopher Jordan Flatt as a director on 11 September 2025
Appointment of Mr Abayomi Akisanya as a secretary on 11 September 2025
Termination of appointment of James Peter Middleton as a secretary on 11 September 2025
Confirmation statement made on 23 June 2025 with no updates
Appointment of Mrs Emma Woolley as a director on 26 May 2025
Termination of appointment of Christopher John Roland Rash as a director on 26 May 2025
Termination of appointment of Thomas Allen Bolt as a director on 31 December 2024
Confirmation statement made on 22 July 2024 with no updates
Appointment of Mr James Peter Middleton as a secretary on 5 June 2024
Registered office address changed from 60 Threadneedle Street London EC2R 8HP to The Aig Building 58 Fenchurch Street London EC3M 4AB on 23 May 2024
Termination of appointment of Michael Edward Arscott Carpenter as a director on 31 March 2024
Termination of appointment of Marie-Claire Gallagher as a secretary on 3 April 2024
Confirmation statement made on 25 July 2023 with no updates
Termination of appointment of Barnabas John Hurst-Bannister as a director on 31 December 2022
Confirmation statement made on 25 July 2022 with no updates
Director's details changed for Mrs Melanie Elizabeth Hind on 7 June 2022
Termination of appointment of Matthew Scales as a director on 30 June 2022
Appointment of Mrs Melanie Elizabeth Hind as a director on 7 June 2022
Appointment of Mr Richard David Cowling as a director on 26 April 2022
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