Company Overview
Nowell & Richards Insurance Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 19 April 1999, so this is a well established company. Nowell & Richards Insurance Services Limited has been in business for 26 years and 11 months. The accounts status is full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Elmwood House Ghyll Royd, Guiseley, Leeds, LS20 9LT
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Companies House Data
Company NameNOWELL & RICHARDS INSURANCE SERVICES LIMITED
Company Number03754519
Registered Office AddressElmwood House Ghyll Royd
 Guiseley
 LS20 9LT
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date19/04/1999
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryFULL
Returns Next Due Date20/04/2017
Returns Last Made Up Date23/03/2016
Directors & Members
Show Resigned
Richard Nowell - Director
(British, 61 years old, born July 1965)
Appointed 22 April 1999
 Active
Kathren Wright - Director
(British, 54 years old, born February 1972)
Appointed 26 May 2022
 Active
Secretaries
Show Resigned
Other Company Directorships
Richard Nowell
FERRANTI EFFECT LIMITED
MINIBUSURE LTD
PRESFORD HOLDINGS LIMITED
VIRTUAL ENTOURAGE LIMITED
Kathren Wright
ABBOTT ASSOCIATES LIMITED
ACTIVE LIFESTYLE PROTECTION LTD
ANTELL INSURANCE ASSOCIATES LIMITED
BIBL HOLDINGS (2015) LIMITED
BOSTON INSURANCE BROKERS LIMITED
BSIB LTD
BUTTERWORTH SPENGLER HOLDINGS LIMITED
CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED
CONFIDENTIAL SOLUTIONS GROUP LTD
CONFIDENTIAL SOLUTIONS LIMITED
CYCLESURE HOLDINGS LTD
DIVERGENT GROUP LTD
ELLIS BATES HOLDINGS LTD.
EXECUTIVE INSURANCE SERVICES LTD
GLOWSURE HOLDINGS LIMITED
GLOWSURE LIMITED
GREFT HOLDINGS LIMITED
HAYTON INSURANCE BROKERS LIMITED
JAMES BROWN & SONS (SOMERSET) LIMITED
JEANNE FAIRBROTHER ASSOCIATES LIMITED
LANGTON LONDON INSURANCE BROKERS LTD
LEADENHALL INSURANCE BROKERS LIMITED
MADOC AND RHODES (LEA VILLAGE) LIMITED
NASH WARREN INSURANCE SERVICES LIMITED
NM HOLDINGS (2015) LIMITED
PARASOL INSURE LTD
PORTSOKEN LTD
R. TODD INSURANCE SERVICES LIMITED
RISK SUPPORT SERVICES LTD
S ALLSOP LIMITED
SURREY INDEPENDENT ADVISERS LIMITED
THE INSURANCE MANAGER LIMITED
THE RISK FACTOR LIMITED
TOWNENDS INSURANCE BROKERS LIMITED
XS ASSURE LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 28-Feb-2021 28-Feb-2020
Balance Sheet
Fixed Assets 420,720 420,720 512,871
Current Assets 2,085,122 2,085,122 1,781,628
Creditors Due Within One Year 792,348 792,348 758,818
Working Cap 1,292,774 1,292,774 1,022,810
Total Assets Less Current Liabilities 1,713,494 1,713,494 1,535,681
Long-term Liabilities 4,699 4,699 6,889
Net Assets 1,708,795 1,708,795 1,528,792
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 1,708,795 1,708,795 1,528,792
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 28-Feb-2021 28-Feb-2020
Tangible Fixed Assets - - -
Fixed Assets 16.8% 16.8% 22.4%
Stocks Inventory - - -
Debtors 14.3% 14.3% 15.6%
Cash Bank In Hand 68.9% 68.9% 62.0%
Current Assets 83.2% 83.2% 77.6%
Creditors Due Within One Year 31.6% 31.6% 33.1%
Net Current Assets Liabilities 51.6% 51.6% 44.6%
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 68.2% 68.2% 66.6%
Capital Employed - - -
Total Assets Less Current Liabilities 68.4% 68.4% 66.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 28-Feb-2021 28-Feb-2020
Liquidity Ratio 2.6 2.6 2.3
Solvency Ratio 3.1 3.1 3.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 4
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 3
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 28-Feb-2021 28-Feb-2020
Assets 2,505,842 2,505,842 2,294,499
Debt 797,047 797,047 765,707
Net Assets/Debt 1,708,795 1,708,795 1,528,792

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. 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.

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. 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 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. 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.

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 23 March 2026 with updates
Satisfaction of charge 037545190004 in full
Registration of charge 037545190005, created on 21 November 2025
Statement of capital following an allotment of shares on 21 October 2025
Confirmation statement made on 23 March 2025 with updates
Confirmation statement made on 23 March 2024 with no updates
Termination of appointment of James Edward Harvey as a director on 27 April 2023
Confirmation statement made on 23 March 2023 with no updates
Appointment of Mrs Kathren Wright as a director on 26 May 2022
Confirmation statement made on 23 March 2022 with updates
Director's details changed for James Edward Harvey on 22 March 2022
Current accounting period extended from 28 February 2022 to 31 March 2022
Registration of charge 037545190004, created on 4 February 2022
Change of details for Ferranti Effect Limited as a person with significant control on 9 November 2021
Registered office address changed from Carfax House 4-5 Ferranti Court Staffordshire Technology Park Stafford Staffordshire ST18 0LQ to Elmwood House Ghyll Royd Guiseley Leeds LS20 9LT on 9 November 2021
Confirmation statement made on 23 March 2021 with no updates
Change of share class name or designation
Memorandum and Articles of Association
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