Company Overview
Robert Gerrard & Co Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 11 December 1997, so this is a well established company. Robert Gerrard & Co Limited has been in business for 28 years and 3 months. The accounts status is total exemption full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

144 Station Road, Chingford, London, E4 6AN
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Companies House Data
Company NameROBERT GERRARD & CO LIMITED
Company Number03479475
Registered Office Address144 Station Road
 Chingford
 E4 6AN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date11/12/1997
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2025
Accounts Last Made Up Date31/03/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date08/01/2017
Returns Last Made Up Date11/12/2015
Directors & Members
Show Resigned
Edward Hannan - Director
(British, 48 years old, born September 1978)
Appointed 01 August 2024
 Active
Simon Henderson - Director
(British, 55 years old, born June 1971)
Appointed 01 August 2024
 Active
Graeme Lalley - Director
(British, 46 years old, born July 1980)
Appointed 01 August 2024
 Active
Shoosmiths Secretaries Limited - Secretary
Appointed 01 August 2024
 Active
Secretaries
Show Resigned
Shoosmiths Secretaries Limited - Secretary
Appointed 01 August 2024
 Active
Other Company Directorships
Edward Hannan
ACF HOLDINGS LIMITED
BARKDENE LIMITED
BRISCO BUSINESS LTD
CHRIS KNOTT INSURANCE CONSULTANTS LIMITED
HORSHAM INSURANCE BROKERS LIMITED
JENSTEN INSURANCE BROKERS (EAST) LIMITED
JENSTEN INSURANCE BROKERS (LONDON & SE) LIMITED
JENSTEN RISK MANAGEMENT LIMITED
JGL BIDCO 8 LIMITED
JGL BIDCO 9 LIMITED
LOCALSPRINT LIMITED
MARTIN INSURANCE SERVICES LTD
MEDIPROTECT HEALTHCARE LIMITED
MELVILLE BURBAGE HOLDINGS LIMITED
MELVILLE BURBAGE INSURANCE SERVICES LIMITED
NC ACQUISITIONS (STIRLING) LTD
ONE BROKER (CAMBRIDGE) LTD
ONE BROKER (GDIS) LTD
ONE BROKER LIMITED
S & J PALMER LTD
S.MERRICK HILL (COMMERCIAL) LIMITED
SAIL BIDCO LIMITED
SAIL MIDCO 1 LIMITED
SAIL MIDCO 2 LIMITED
SAIL PIKCO LIMITED
SAIL TOPCO LIMITED
SALON GOLD LIMITED
SALON SAVER LIMITED
SCRUTTON BLAND INSURANCE BROKERS LIMITED
SIMPSON AND PARSONS (HOLDINGS) LIMITED
SIMPSON AND PARSONS (INSURANCE CONSULTANTS) LIMITED
STIRLING INSURANCE BROKERS LIMITED
TAYLORMADE RISK SERVICES LTD
TRADESMAN SAVER LIMITED
Simon Henderson
BARKDENE LIMITED
BASIL E. FRY & CO. LIMITED
BRISCO BUSINESS LTD
DARWIN CLAYTON (UK) LIMITED
DARWIN CLAYTON LIMITED
DARWINSURE LIMITED
JENSTEN INSURANCE BROKERS LIMITED
ORIGIN UW LIMITED
ROBERT GERRARD HOLDINGS LTD
THE SWEET SISTERS LIMITED
TRADESMAN SAVER LIMITED
Graeme Lalley
ACF HOLDINGS LIMITED
BARKDENE LIMITED
BASIL E. FRY & CO. LIMITED
BELLEGROVE LTD
CHRIS KNOTT INSURANCE CONSULTANTS LIMITED
DARWIN CLAYTON (UK) LIMITED
DIRECT MOTOR TRADE LTD
HORSHAM INSURANCE BROKERS LIMITED
JENSTEN INSURANCE BROKERS (EAST) LIMITED
LOCALSPRINT LIMITED
MELVILLE BURBAGE HOLDINGS LIMITED
ONE BROKER (CAMBRIDGE) LTD
ONE BROKER (GDIS) LTD
ONE BROKER LIMITED
ROBERT GERRARD HOLDINGS LTD
S & J PALMER LTD
S.MERRICK HILL (COMMERCIAL) LIMITED
SCRUTTON BLAND INSURANCE BROKERS LIMITED
SIMPSON AND PARSONS (INSURANCE CONSULTANTS) LIMITED
STIRLING INSURANCE BROKERS LIMITED
TAYLORMADE RISK SERVICES LTD
THE INSURANCE UNDERWRITING AGENCIES LIMITED
WILDMAN BROTHERS LIMITED
WILDMAN, DOMAN & HOUSTON LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets - - 36,845
Current Assets - - 555,552
Creditors Due Within One Year 284,606 284,606 211,544
Working Cap - - 344,008
Total Assets Less Current Liabilities 285,489 285,489 380,853
Long-term Liabilities 0 0 79,020
Net Assets 285,489 285,489 301,833
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 285,489 285,489 301,833
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets - - 6.2%
Stocks Inventory - - -
Debtors 70.5% 70.5% 52.9%
Cash Bank In Hand 34.1% 34.1% 40.9%
Current Assets - - 93.8%
Creditors Due Within One Year 49.9% 49.9% 35.7%
Net Current Assets Liabilities - - 58.1%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 50.1% 50.1% 51.0%
Capital Employed - - -
Total Assets Less Current Liabilities 50.1% 50.1% 64.3%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2023 31-Mar-2022
Liquidity Ratio -1.0 -1.0 2.6
Solvency Ratio 2.0 2.0 2.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2023 31-Mar-2022
Assets 570,095 570,095 592,397
Debt 284,606 284,606 290,564
Net Assets/Debt 285,489 285,489 301,833

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.

As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves has some deficiency. 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 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.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves has some deficiency. 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 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.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves has some deficiency. 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 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
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Document Filings
Confirmation statement made on 11 December 2025 with no updates
Termination of appointment of Carla Suzanne Preston as a director on 11 December 2025
Consolidated accounts of parent company for subsidiary company period ending 31/03/25
Audit exemption statement of guarantee by parent company for period ending 31/03/25
Notice of agreement to exemption from audit of accounts for period ending 31/03/25
Register inspection address has been changed from 35 Ballards Lane London N3 1XW United Kingdom to Shoosmiths X+Why Level 2, Unity Place 200 Grafton Gate Milton Keynes MK9 1UP
Secretary's details changed for Shoosmiths Secretaries Limited on 28 February 2025
Confirmation statement made on 11 December 2024 with updates
Memorandum and Articles of Association
Resolutions
Termination of appointment of Simon Robert Preston as a director on 1 August 2024
Appointment of Mr Graeme Neal Lalley as a director on 1 August 2024
Termination of appointment of Carla Suzanne Preston as a secretary on 1 August 2024
Appointment of Mr Edward George Fitzgerald Hannan as a director on 1 August 2024
Appointment of Shoosmiths Secretaries Limited as a secretary on 1 August 2024
Appointment of Mr Simon Peter Henderson as a director on 1 August 2024
Statement of capital following an allotment of shares on 16 March 1998
Annual return made up to 11 December 2004 with full list of shareholders
Annual return made up to 11 December 2003 with full list of shareholders
Confirmation statement made on 11 December 2023 with no updates
Confirmation statement made on 11 December 2022 with no updates
Appointment of Mr Simon Robert Preston as a director on 10 November 2022
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