Company Overview
Reich Insurance Brokers Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 19 January 1999, so this is a well established company. Reich Insurance Brokers Limited has been in business for 27 years and 2 months. The accounts status is audit exemption subsidiary and the accounts are next due on Wednesday 30 September 2026.
Registered Address

197 Chapel Street, Salford, Manchester, M3 5EQ
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Companies House Data
Company NameREICH INSURANCE BROKERS LIMITED
Company Number03697314
Registered Office Address197 Chapel Street
 M3 5EQ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date19/01/1999
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date30/09/2024
Accounts Account CategoryAUDIT EXEMPTION SUBSIDIARY
Returns Next Due Date20/01/2017
Returns Last Made Up Date23/12/2015
Previous Company NameChanged Date
W B TIDEY & CO LIMITED02 Dec 2009
Directors & Members
Show Resigned
Jonathan Cumpstey - Director
(British, 65 years old, born November 1961)
Appointed 05 May 2023
 Active
John King - Director
(British, 61 years old, born April 1965)
Appointed 05 May 2023
 Active
Rachel Margerson - Director
(British, 55 years old, born March 1971)
Appointed 16 June 2023
 Active
Michael Millar - Director
(British, 38 years old, born March 1988)
Appointed 05 May 2023
 Active
Reece Wootten - Director
(British, 35 years old, born May 1991)
Appointed 16 June 2023
 Active
Secretaries
Show Resigned
Graeme Manning - Secretary
Appointed 06 April 2023
 Active
Other Company Directorships
Jonathan Cumpstey
A-PLAN HOLDINGS
ASTON LARK EMPLOYEE BENEFITS LIMITED
DNA INSURANCE SERVICES LTD
HOWDEN EMPLOYEE BENEFITS & WELLBEING HOLDINGS LIMITED
HOWDEN EMPLOYEE BENEFITS & WELLBEING LIMITED
HOWDEN LIFE & HEALTH LIMITED
HOWDEN SCOTLAND LIMITED
PHILIP WILLIAMS (G INS) MANAGEMENT LIMITED
REICH LIFE LTD
RIGHT TO HEALTH LIMITED
John King
A-PLAN GROUP LTD
A-PLAN HOLDINGS
FORTEGRA INSURANCE UK LTD.
HOWDEN EMPLOYEE BENEFITS & WELLBEING LIMITED
HOWDEN INSURANCE BROKERS LIMITED
HOWDEN LIFE & HEALTH LIMITED
HOWDEN UK BROKERS LIMITED
HOWDEN UK&I HOLDINGS LIMITED
IJK REGULATORY CONSULTING LTD
ITC COMPLIANCE LIMITED
REICH LIFE LTD
Rachel Margerson
REICH LIFE LTD
Michael Millar
AJ INSURANCE SERVICE (HOLDINGS) LIMITED
AJ INSURANCE SERVICE LIMITED
ALLEGIANCE INSURE LIMITED
ASTON LARK (TOPCO) LIMITED
ASTON LARK EMPLOYEE BENEFITS LIMITED
BRUCE STEVENSON LIMITED
CURTIS MARINE INSURANCE BROKERS LIMITED
DICKSON FINANCIAL SERVICES LIMITED
ENDSLEIGH INSURANCE SERVICES LIMITED
ENDSLEIGH LIMITED
ESSEX INSURANCE BROKERS LIMITED
HEALTHWISE LIMITED
HOWDEN PI LIMITED
HOWDEN RCS LIMITED
HOWDEN UK BROKERS LIMITED
INCEPTA RISK MANAGEMENT LTD
INNOVATION BROKING GROUP LIMITED
ISCA BARUM INSURANCE BROKERS LTD
LAGONDA HOLDCO LIMITED
LGR HOLDINGS LIMITED
PHILIP WILLIAMS (G INS) MANAGEMENT LIMITED
REICH LIFE LTD
SFS GROUP LIMITED
SFTS TRUSTEES LIMITED
THE HEALTHWISE GROUP LIMITED
UKGLOBAL BROKING GROUP LIMITED
Reece Wootten
REICH GROUP LIMITED
REICH HEALTHCARE LIMITED
REICH LIFE LTD
Balance Sheet Unlock full report
Accounts Date 30-Sep-2024 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 10,433,059 10,433,059 10,754,482
Current Assets 20,050,189 20,050,189 16,903,554
Creditors Due Within One Year 5,281,469 5,281,469 5,814,095
Working Cap 14,768,720 14,768,720 11,089,459
Total Assets Less Current Liabilities 25,201,779 25,201,779 21,843,941
Long-term Liabilities 24,901,379 24,901,379 21,543,541
Net Assets 300,400 300,400 300,400
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 300,400 300,400 300,400
Common Size Financial Analysis Unlock full report
Accounts Date 30-Sep-2024 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 34.2% 34.2% 38.9%
Stocks Inventory - - -
Debtors 34.4% 34.4% 30.3%
Cash Bank In Hand 31.4% 31.4% 30.8%
Current Assets 65.8% 65.8% 61.1%
Creditors Due Within One Year 17.3% 17.3% 21.0%
Net Current Assets Liabilities 48.4% 48.4% 40.1%
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 1.0% 1.0% 1.1%
Capital Employed - - -
Total Assets Less Current Liabilities 82.7% 82.7% 79.0%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Sep-2024 31-Mar-2022 31-Mar-2021
Liquidity Ratio 3.8 3.8 2.9
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 30-Sep-2024 31-Mar-2022 31-Mar-2021
Assets 30,483,248 30,483,248 27,658,036
Debt 30,182,848 30,182,848 27,357,636
Net Assets/Debt 300,400 300,400 300,400

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 has some deficiency. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over 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 has some deficiency. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over 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 has some deficiency. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over 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
Confirmation statement made on 1 March 2026 with no updates
Director's details changed for Rachel Margaret Margerson on 24 February 2026
Director's details changed for Mr Jonathan Paul Cumpstey on 24 February 2026
Confirmation statement made on 30 September 2025 with updates
Current accounting period extended from 30 September 2025 to 31 December 2025
Consolidated accounts of parent company for subsidiary company period ending 30/09/24
Audit exemption statement of guarantee by parent company for period ending 30/09/24
Notice of agreement to exemption from audit of accounts for period ending 30/09/24
Cessation of Reich Group Limited as a person with significant control on 1 March 2025
Notification of Howden Uk&I Holdings Limited as a person with significant control on 1 March 2025
Termination of appointment of Stuart Paul Rootham as a director on 4 December 2024
Termination of appointment of Andrew Kay as a director on 29 November 2024
Confirmation statement made on 30 September 2024 with no updates
Registration of charge 036973140002, created on 13 June 2024
Registration of charge 036973140003, created on 13 June 2024
Termination of appointment of John Child as a director on 1 April 2024
Termination of appointment of Simon Paul Taylor as a director on 1 April 2024
Current accounting period extended from 31 March 2024 to 30 September 2024
Confirmation statement made on 30 September 2023 with no updates
Director's details changed for Mr Simon Paul Taylor on 26 September 2023
Director's details changed for Mr Jonathan Paul Cumpstey on 25 September 2023
Appointment of Andrew Kay as a director on 16 June 2023
Appointment of Rachel Margaret Margerson as a director on 16 June 2023
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