Company Overview
Mfl Insurance Group Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 13 May 1993, so this is a well established company. Mfl Insurance Group Ltd has been in business for 32 years and 10 months. The accounts status is small and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Barlow House, Minshull Street, Manchester, Lancashire, M1 3DZ
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Companies House Data
Company NameMFL INSURANCE GROUP LTD
Company Number02817700
Registered Office AddressBarlow House
 Minshull Street
 M1 3DZ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date13/05/1993
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2025
Accounts Last Made Up Date31/03/2024
Accounts Account CategorySMALL
Returns Next Due Date10/06/2017
Returns Last Made Up Date13/05/2016
Previous Company NameChanged Date
MCPARLAND FINN LIMITED28 Mar 2021
Directors & Members
Show Resigned
Joseph Aspinall - Director
(British, 50 years old, born April 1976)
Appointed 15 February 2024
 Active
Kevin McParland - Director
(British, 73 years old, born June 1953)
Appointed 25 March 1997
 Active
Mark Philmore - Director
(British, 58 years old, born November 1968)
Appointed 01 December 2009
 Active
Mark Ramsbottom - Director
(British, 58 years old, born December 1968)
Appointed 01 April 2019
 Active
Daniel Taylor - Director
(British, 35 years old, born June 1991)
Appointed 17 April 2023
 Active
Secretaries
Show Resigned
Other Company Directorships
Joseph Aspinall
No companies found
Kevin McParland
BURNS & WILCOX LIMITED
MCPARLAND & PARTNERS LIMITED
MCPARLAND FINN (UK) LIMITED
MCPARLAND FINN HOLDINGS LIMITED
NEWCO 9 LIMITED
NUCLEUS UNDERWRITING LIMITED
PORTSOKEN LTD
Mark Philmore
MCPARLAND FINN (UK) LIMITED
MCPARLAND FINN HOLDINGS LIMITED
NEWCO 9 LIMITED
NUCLEUS UNDERWRITING LIMITED
Mark Ramsbottom
IMI (YORKSHIRE) LLP
IMI INSURANCE BROKERS LIMITED
IMI PROFESSIONAL INDEMNITY LIMITED
INSURANCE MARKETING INITIATIVES LIMITED
MCPARLAND FINN HOLDINGS LIMITED
MFL UNDERWRITING LIMITED
Daniel Taylor
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2014 31-Mar-2013
Balance Sheet
Fixed Assets 45,043 45,043 34,298
Current Assets 437,556 437,556 497,397
Creditors Due Within One Year 266,999 266,999 372,501
Working Cap 170,557 170,557 124,896
Total Assets Less Current Liabilities 215,600 215,600 159,194
Long-term Liabilities 55,599 55,599 2,521
Net Assets 160,001 160,001 156,673
Share Capital & Reserves
Share Cap 7,500 7,500 7,500
Profit & Loss Reserves 150,001 150,001 146,673
Other Reserves 2,500 2,500 2,500
Shareholders Funds 160,001 160,001 156,673
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2014 31-Mar-2013
Tangible Fixed Assets - - -
Fixed Assets 9.3% 9.3% 6.5%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 85.7% 85.7% 93.3%
Cash Bank In Hand 5.0% 5.0% 0.2%
Current Assets 90.7% 90.7% 93.5%
Creditors Due Within One Year 55.3% 55.3% 70.1%
Net Current Assets Liabilities 35.3% 35.3% 23.5%
Creditors Due After One Year 11.5% 11.5% 0.5%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 33.2% 33.2% 29.5%
Called Up Share Capital 1.6% 1.6% 1.4%
Share Capital Allotted Called Up Paid 1.6% 1.6% 1.4%
Profit Loss Account Reserve 31.1% 31.1% 27.6%
Shareholder Funds 33.2% 33.2% 29.5%
Capital Employed - - -
Total Assets Less Current Liabilities 44.7% 44.7% 29.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2014 31-Mar-2013
Liquidity Ratio 1.6 1.6 1.3
Solvency Ratio 1.5 1.5 1.4
Reserves to Assets 0.3 0.3 0.3
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2014 31-Mar-2013
Assets 482,599 482,599 531,695
Debt 322,598 322,598 375,022
Net Assets/Debt 160,001 160,001 156,673

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 amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet. 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 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 amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet. 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 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 amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet. 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 M1 3DZ
OPAL MANAGEMENT (UK) LTD
BARLOW HOUSE, MINSHULL STREET, MANCHESTER, M1 3DZ
MCPARLAND FINN HOLDINGS LIMITED
BARLOW HOUSE, MINSHULL STREET, MANCHESTER, M1 3DZ
DATANOVATION LIMITED
CROWE U.K. LLP, 3RD FLOOR, ST GEORGE’S HOUSE, 56 PETER STREET, MANCHESTER, M1 3DZ
UK CHINESE SERVICES LIMITED
SUITE 4, 4TH FLOOR BARLOW HOUSE, MINSHULL STREET, MANCHESTER, M1 3DZ
VME MIGRATION FACTORY LTD
Barlow House, Minshull Street, Manchester, M1 3DZ
AVONBECK LTD
4 Minshull Street, Manchester, Greater Manchester, M1 3DZ
STEPHEN LICKRISH & ASSOCIATES LIMITED
C/O Lucas Ross Limited Stanmore House, 64-68 Blackburn Street, Manchester, M1 3DZ
DECOMISSIONING FACTORY LIMITED
Barlow House, Minshull Street, Manchester, M1 3DZ
NSC LEGACYDATA SOLUTIONS LTD
C/O CROWE UK LLP ST GEORGE'S HOUSE, 56 PETER STREET, MANCHESTER, M1 3DZ
DC PROPERTIES (UK) LTD
Barlow House, 4 Minshull Street, Manchester, M1 3DZ
Document Filings
Termination of appointment of Darren Leonard Hewitt as a director on 11 December 2025
Confirmation statement made on 13 May 2025 with updates
Notification of Mfl Group Holdings Limited as a person with significant control on 22 March 2025
Cessation of Mcparland Finn Holdings Limited as a person with significant control on 22 March 2025
Termination of appointment of Allan Richard Gledhill as a director on 13 January 2025
Register inspection address has been changed from Hollins Chambers 64a Bridge Street Manchester Lancashire M3 3BA to Barlow House Minshull Street Manchester Lancashire M1 3DZ
Director's details changed for Mr Kevin James Mcparland on 8 November 2024
Confirmation statement made on 13 May 2024 with no updates
Appointment of Mr Joseph William Aspinall as a director on 15 February 2024
Confirmation statement made on 13 May 2023 with no updates
Appointment of Mr Daniel Scott Taylor as a director on 17 April 2023
Appointment of Mr Darren Leonard Hewitt as a director on 17 April 2023
Confirmation statement made on 13 May 2022 with no updates
Confirmation statement made on 13 May 2021 with no updates
Certificate of change of name
Resolutions
Change of name notice
Second filing for the termination of Gary Stephen Housecroft as a director
Confirmation statement made on 13 May 2020 with no updates
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