TOWERS WATSON SOFTWARE LIMITED Credit Check Report

Company Overview

Towers Watson Software Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 14 February 1997, so this is a well established company. Towers Watson Software Limited has been in business for 29 years and 1 month. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.

Registered Address

Watson House, London Road, Reigate, Surrey, RH2 9PQ

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Companies House Data

Company Name	TOWERS WATSON SOFTWARE LIMITED
Company Number	03318544
Registered Office Address	Watson House
	London Road
	RH2 9PQ
Company Category	Private Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	14/02/1997
Accounting Reference Date Day	31
Accounting Reference Date Month	12
Accounts Next Due Date	30/09/2026
Accounts Last Made Up Date	31/12/2024
Accounts Account Category	FULL
Returns Next Due Date	14/03/2017
Returns Last Made Up Date	14/02/2016

Previous Company Name	Changed Date
E M B SOFTWARE LIMITED	01 Mar 2011

Directors & Members

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	Stuart Abraham - Director (British, 50 years old, born March 1976) Appointed 23 April 2020, Resigned 31 January 2024	Resigned
	Rajan Ahuja - Director (British, 59 years old, born February 1967) Appointed 24 February 2009, Resigned 31 January 2011	Resigned
	John Anderson - Director (British, 58 years old, born October 1968) Appointed 24 February 2009, Resigned 31 January 2011	Resigned
	John Anderson - Director (British, 58 years old, born October 1968) Appointed 31 October 2017, Resigned 30 April 2020	Resigned
	Mark Beardall - Director (British, 59 years old, born February 1967) Appointed 31 October 2017, Resigned 30 April 2020	Resigned
	Michael Brockman - Director (British, 69 years old, born November 1957) Appointed 14 February 1997, Resigned 24 February 2009	Resigned
	Stephen Brown - Director (British, 55 years old, born April 1971) Appointed 14 December 2021	Active
	Norman Buchanan - Director (American, 70 years old, born October 1956) Appointed 23 April 2020, Resigned 16 December 2020	Resigned
	Maureen Childs - Director (British, 90 years old, born September 1936) Appointed 14 February 1997, Resigned 14 February 1997	Resigned
	Andrzej Czernuszewicz - Director (British, 64 years old, born January 1962) Appointed 24 February 2009, Resigned 31 January 2011	Resigned
	Chad Daugherty - Director (American,British, 56 years old, born November 1970) Appointed 14 June 2018, Resigned 30 April 2020	Resigned
	Stuart Edwards-Webb - Director (British, 52 years old, born April 1974) Appointed 01 May 2015, Resigned 31 October 2017	Resigned
	Andrew English - Director (British, 70 years old, born July 1956) Appointed 14 February 1997, Resigned 31 January 2011	Resigned
	Richard Goff - Director (British, 53 years old, born October 1973) Appointed 23 April 2020, Resigned 01 July 2024	Resigned
	Andrew Gray - Director (British, 61 years old, born October 1965) Appointed 04 April 2001, Resigned 11 April 2005	Resigned
	Paul Holloway - Director (British, 59 years old, born May 1967) Appointed 05 June 2025	Active
	Kam Lee - Director (British, 60 years old, born September 1966) Appointed 24 February 2009, Resigned 31 January 2011	Resigned
	Andrew Lingard - Director (British, 62 years old, born June 1964) Appointed 11 April 2005, Resigned 31 January 2011	Resigned
	Andrew Lingard - Director (British, 62 years old, born June 1964) Appointed 31 October 2017, Resigned 30 April 2020	Resigned
	Peter Matthews - Director (British, 73 years old, born September 1953) Appointed 08 October 1998, Resigned 31 January 2011	Resigned
	Russell McBride - Director (British, 47 years old, born September 1979) Appointed 13 February 2024, Resigned 24 September 2024	Resigned
	Sean Morley - Director (British, 59 years old, born August 1967) Appointed 01 July 2024	Active
	Paul Morris - Director (British, 62 years old, born May 1964) Appointed 01 September 2011, Resigned 31 October 2017	Resigned
	Karl Murphy - Director (Irish, 57 years old, born August 1969) Appointed 22 December 1999, Resigned 31 January 2011	Resigned
	Rory O'brien - Director (Irish, 62 years old, born April 1964) Appointed 24 February 2009, Resigned 31 January 2011	Resigned
	Brian Payne - Director (British, 82 years old, born April 1944) Appointed 14 February 1997, Resigned 14 February 1997	Resigned
	Vincent Raimondo - Director (British, 76 years old, born May 1950) Appointed 31 January 2011, Resigned 30 April 2015	Resigned
	Chandrasekhar Ramamurthy - Director (British, 70 years old, born April 1956) Appointed 31 January 2011, Resigned 31 August 2011	Resigned
	Tina Rhodes - Director (British, 62 years old, born April 1964) Appointed 01 May 2015, Resigned 15 December 2016	Resigned
	Richard Rodriquez - Director (British, 60 years old, born June 1966) Appointed 24 February 2009, Resigned 31 January 2011	Resigned

Secretaries

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	Maureen Childs - Secretary (British) Appointed 14 February 1997, Resigned 14 February 1997	Resigned
	Ritchie Davidson - Secretary Appointed 31 January 2011, Resigned 26 February 2013	Resigned
	Andrew English - Secretary (British) Appointed 14 February 1997, Resigned 31 January 2011	Resigned
	Joanna Field - Secretary Appointed 24 June 2017, Resigned 15 March 2019	Resigned
	David Loveridge - Secretary Appointed 26 February 2013, Resigned 23 June 2017	Resigned

Other Company Directorships

Stephen Brown
WILLIS TOWERS WATSON ASSESSMENT LIMITED
WTW SABAH APEX HOLDINGS LIMITED

Paul Holloway
RINGLEY HOUSE LLP

Sean Morley
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Balance Sheet

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Common Size Financial Analysis

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Secured Creditors

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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

Other Business around RH2 9PQ

	WATSON WYATT HOLDINGS LIMITED C/O GRANT THORNTON UK ADVISORY & TAX LLP 11TH FLOOR LANDMARK ST PETER'S SQUARE, 1 OXFORD ST, MANCHESTER, RH2 9PQ
	SHERLUTIONS LIMITED Watson House, London Road, Reigate, Surrey, RH2 9PQ
	WATSON WYATT EUROPEAN INVESTMENT LP WATSON HOUSE, LONDON ROAD, REIGATE, SURREY, RH2 9PQ
	TOWERS WATSON LIMITED WATSON HOUSE, LONDON ROAD, REIGATE, SURREY, RH2 9PQ
	TOWERS WATSON PENSION SCHEME TRUSTEES LIMITED WATSON HOUSE, LONDON ROAD, REIGATE, SURREY, RH2 9PQ
	WATSON WYATT EUROPEAN INVESTMENT HOLDINGS LIMITED C/O GRANT THORNTON UK ADVISORY & TAX LLP 11TH FLOOR LANDMARK ST PETER'S SQUARE, 1 OXFORD ST, MANCHESTER, RH2 9PQ
	WATSON WYATT EUROPEAN REGION LIMITED WATSON HOUSE, LONDON ROAD, REIGATE, SURREY, RH2 9PQ
	WATSON WYATT INSURANCE & FINANCIAL SERVICES CONSULTING HOLDINGS LIMITED C/O Grant Thornton Uk Advisory & Tax Llp 11th Floor Landmark St Peter's Square, 1 Oxford St, Manchester, RH2 9PQ
	WYATT COMPANY HOLDINGS LIMITED(THE) C/O GRANT THORNTON UK ADVISORY & TAX LLP 11TH FLOOR LANDMARK ST PETER'S SQUARE, 1 OXFORD ST, MANCHESTER, RH2 9PQ
	TOWERS WATSON GLOBAL 3 LIMITED WATSON HOUSE, LONDON ROAD, REIGATE, SURREY, RH2 9PQ

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