Company Overview
Clear Insurance Management Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 11 February 1999, so this is a well established company. Clear Insurance Management Limited has been in business for 27 years and 1 month. The accounts status is full and the accounts are next due on Friday 31 July 2026.
Registered Address

1 Great Tower Street, London, EC3R 5AA
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Companies House Data
Company NameCLEAR INSURANCE MANAGEMENT LIMITED
Company Number03712209
Registered Office Address1 Great Tower Street
 EC3R 5AA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date11/02/1999
Accounting Reference Date Day31
Accounting Reference Date Month10
Accounts Next Due Date31/07/2026
Accounts Last Made Up Date31/10/2024
Accounts Account CategoryFULL
Returns Next Due Date11/03/2017
Returns Last Made Up Date11/02/2016
Directors & Members
Show Resigned
Michael Edgeley - Director
(British, 60 years old, born October 1966)
Appointed 08 June 2021
 Active
Timothy Money - Director
(British, 59 years old, born January 1967)
Appointed 13 October 2020
 Active
Philip Williams - Director
(British, 43 years old, born May 1983)
Appointed 06 October 2022
 Active
David Young - Director
(British, 65 years old, born June 1961)
Appointed 18 November 2025
 Active
Secretaries
Show Resigned
Jitendra Patel - Secretary
Appointed 11 March 2022
 Active
Other Company Directorships
Michael Edgeley
A ONE ACQUISITIONS LTD
A ONE HOLDINGS LIMITED
A ONE INSURANCE SERVICES (BMTH) LIMITED
A.B.A. INSURANCE SERVICES LIMITED
A.B.A. SERVICES HOLDINGS LIMITED
ACCELERATE UNDERWRITING LIMITED
BAKER STREET CONSULTANCY LIMITED
BLUESTONE INSURANCE SERVICES LIMITED
BRADSHAW BENNETT (LANCASHIRE) LIMITED
BUS AND COACH LIMITED
C.R. TOOGOOD & CO. LIMITED
CAIRN CORPORATE LTD.
CLEAR LONDON MARKETS LIMITED
COVERMARQUE LIMITED
HEATH CRAWFORD & FOSTER (HOLDINGS) LIMITED
HEATH CRAWFORD & FOSTER LIMITED
LAWSURE DIRECT LTD
LILLEY PLUMMER HOLDINGS LIMITED
LILLEY PLUMMER RISKS LTD
LUKER ROWE 2019 LTD
LUKER ROWE HOLDINGS LTD
MARKETLINE BROKERS LTD
MERENDA & COMPANY LIMITED
MINORITY VENTURE PARTNERS 10 LIMITED
MINORITY VENTURE PARTNERS 4 LIMITED
MOORE ROBINSON LIMITED
ONE COMMERCIAL SPECIALTY LIMITED
PENTLAND 1709 LIMITED
PETER HOARE & COMPANY (INSURANCE BROKERS) LIMITED
PORTICUS INSURANCE CONSULTANTS LIMITED
R.T.WATERS LIMITED
RICHMOND NEWCO LIMITED
SHAPE UNDERWRITING LIMITED
VISION HOUSE HOLDINGS LTD
VISION INSURANCE SERVICES LTD
Timothy Money
A ONE ACQUISITIONS LTD
A ONE HOLDINGS LIMITED
A ONE INSURANCE SERVICES (BMTH) LIMITED
A.B.A. INSURANCE SERVICES LIMITED
A.B.A. SERVICES HOLDINGS LIMITED
ACCELERATE UNDERWRITING LIMITED
BLUESTONE INSURANCE SERVICES LIMITED
BRADSHAW BENNETT (LANCASHIRE) LIMITED
BUS AND COACH LIMITED
C.R. TOOGOOD & CO. LIMITED
CAIRN CORPORATE LTD.
CLEAR LONDON MARKETS LIMITED
COVERMARQUE LIMITED
GTS LIQUIDATIONS LIMITED
HEATH CRAWFORD & FOSTER (HOLDINGS) LIMITED
HEATH CRAWFORD & FOSTER LIMITED
IFM INSURANCE BROKERS LTD
LAWSURE DIRECT LTD
LILLEY PLUMMER HOLDINGS LIMITED
LILLEY PLUMMER RISKS LTD
MAYOR BROKING LIMITED
MERENDA & COMPANY LIMITED
MINORITY VENTURE PARTNERS 10 LIMITED
MINORITY VENTURE PARTNERS 4 LIMITED
MOORE ROBINSON LIMITED
MPW INSURANCE BROKERS LIMITED
ONE COMMERCIAL SPECIALTY LIMITED
PENTLAND 1709 LIMITED
PETER HOARE & COMPANY (INSURANCE BROKERS) LIMITED
PORTICUS INSURANCE CONSULTANTS LIMITED
R.T.WATERS LIMITED
RICHMOND NEWCO LIMITED
SHAPE UNDERWRITING LIMITED
VISION HOUSE HOLDINGS LTD
VISION INSURANCE SERVICES LTD
Philip Williams
A ONE ACQUISITIONS LTD
A ONE HOLDINGS LIMITED
A ONE INSURANCE SERVICES (BMTH) LIMITED
A.B.A. INSURANCE SERVICES LIMITED
A.B.A. SERVICES HOLDINGS LIMITED
BLUESTONE INSURANCE SERVICES LIMITED
BRADSHAW BENNETT (LANCASHIRE) LIMITED
C.R. TOOGOOD & CO. LIMITED
CAIRN CORPORATE LTD.
CENTRAL BIDCO LTD
CENTRAL HOLDCO LTD
CENTRAL MIDCO LTD
CLEAR GROUP (HOLDINGS) LIMITED
CLEAR LONDON MARKETS LIMITED
COVERMARQUE LIMITED
GTS LIQUIDATIONS LIMITED
HEATH CRAWFORD & FOSTER (HOLDINGS) LIMITED
HEATH CRAWFORD & FOSTER LIMITED
IFM INSURANCE BROKERS LTD
MAYOR BROKING LIMITED
MERENDA & COMPANY LIMITED
MINORITY VENTURE PARTNERS 10 LIMITED
MINORITY VENTURE PARTNERS 4 LIMITED
MOORE ROBINSON LIMITED
ONE COMMERCIAL SPECIALTY LIMITED
PENTLAND 1709 LIMITED
PETER HOARE & COMPANY (INSURANCE BROKERS) LIMITED
PORTICUS INSURANCE CONSULTANTS LIMITED
PROAKTIVE HOLDINGS LIMITED
PROAKTIVE LTD
PROAKTIVE RISK GROUP LIMITED
R.T.WATERS LIMITED
RICHMOND NEWCO LIMITED
VISION HOUSE HOLDINGS LTD
VISION INSURANCE SERVICES LTD
David Young
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Oct-2024 31-Oct-2014 31-Oct-2013
Balance Sheet
Fixed Assets 462,312 462,312 282,012
Current Assets 13,572,235 13,572,235 14,022,475
Creditors Due Within One Year 10,000,240 10,000,240 10,214,758
Working Cap 3,571,995 3,571,995 3,807,717
Total Assets Less Current Liabilities 4,034,307 4,034,307 4,089,729
Long-term Liabilities 43,655 43,655 24,481
Net Assets 3,990,652 3,990,652 4,065,248
Share Capital & Reserves
Share Cap 25,966 25,966 25,966
Profit & Loss Reserves 3,732,807 3,732,807 3,807,403
Other Reserves 231,879 231,879 231,879
Shareholders Funds 3,990,652 3,990,652 4,065,248
Common Size Financial Analysis Unlock full report
Accounts Date 31-Oct-2024 31-Oct-2014 31-Oct-2013
Tangible Fixed Assets - - -
Fixed Assets 3.3% 3.3% 2.0%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 27.7% 27.7% 25.2%
Cash Bank In Hand 37.0% 37.0% 37.0%
Current Assets 96.7% 96.7% 98.0%
Creditors Due Within One Year 71.3% 71.3% 71.4%
Net Current Assets Liabilities 25.5% 25.5% 26.6%
Creditors Due After One Year 0.3% 0.3% 0.2%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 28.4% 28.4% 28.4%
Called Up Share Capital 0.2% 0.2% 0.2%
Share Capital Allotted Called Up Paid 0.2% 0.2% 0.2%
Profit Loss Account Reserve 26.6% 26.6% 26.6%
Shareholder Funds 28.4% 28.4% 28.4%
Capital Employed - - -
Total Assets Less Current Liabilities 28.7% 28.7% 28.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Oct-2024 31-Oct-2014 31-Oct-2013
Liquidity Ratio 1.4 1.4 1.4
Solvency Ratio 1.4 1.4 1.4
Reserves to Assets 0.3 0.3 0.3
Secured Creditors Unlock full report
Mortgages Charges 17
Mortgages Outstanding 3
Mortgages Part Satisfied 0
Mortgages Satisfied 14
Assets and Debt Analysis Unlock full report
Accounts Date 31-Oct-2024 31-Oct-2014 31-Oct-2013
Assets 14,034,547 14,034,547 14,304,487
Debt 10,043,895 10,043,895 10,239,239
Net Assets/Debt 3,990,652 3,990,652 4,065,248

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. 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 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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 February 2026 with no updates
Appointment of Mr David Thomas Mcaree Young as a director on 18 November 2025
Confirmation statement made on 11 February 2025 with no updates
Termination of appointment of Howard Pierre Lickens as a director on 17 September 2024
Termination of appointment of Daniel Alexander Innes as a director on 17 September 2024
Registration of charge 037122090017, created on 14 May 2024
Registration of charge 037122090016, created on 19 March 2024
Confirmation statement made on 11 February 2024 with no updates
Registration of charge 037122090015, created on 7 March 2023
Confirmation statement made on 11 February 2023 with no updates
Satisfaction of charge 037122090014 in full
Satisfaction of charge 037122090013 in full
Satisfaction of charge 037122090012 in full
Satisfaction of charge 037122090010 in full
Satisfaction of charge 037122090011 in full
Satisfaction of charge 037122090009 in full
Satisfaction of charge 037122090008 in full
Satisfaction of charge 037122090007 in full
Termination of appointment of Gary O Donnell as a director on 31 October 2022
Appointment of Mr Philip John Williams as a director on 6 October 2022
Satisfaction of charge 037122090006 in full
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