Company Overview
Bupa Insurance Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 23 August 1999, so this is a well established company. Bupa Insurance Services Limited has been in business for 26 years and 7 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

1 Angel Court, London, EC2R 7HJ
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Companies House Data
Company NameBUPA INSURANCE SERVICES LIMITED
Company Number03829851
Registered Office Address1 Angel Court
 EC2R 7HJ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date23/08/1999
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryFULL
Returns Next Due Date18/07/2017
Returns Last Made Up Date20/06/2016
Directors & Members
Show Resigned
Clare Bousfield - Director
(British, 58 years old, born June 1968)
Appointed 18 March 2025
 Active
Dena Brumpton - Director
(British, 63 years old, born December 1963)
Appointed 12 April 2023
 Active
Anthony Cabrelli - Director
(British, 64 years old, born August 1962)
Appointed 31 May 2022
 Active
Paul Evans - Director
(British, 61 years old, born March 1965)
Appointed 01 July 2019
 Active
Secretaries
Show Resigned
Other Company Directorships
Clare Bousfield
BRITISH UNITED PROVIDENT ASSOCIATION LIMITED(THE)
BUPA INSURANCE LIMITED
Dena Brumpton
BUPA INSURANCE LIMITED
Anthony Cabrelli
AUXILIUM CARE GROUP LTD
BUPA INSURANCE LIMITED
LIGHTBOX ADVISERS LIMITED
Paul Evans
ALLIANZ (UK) LIMITED
ALLIANZ HOLDINGS PLC
ALLIANZ INSURANCE PLC
AXA CORPORATE SOLUTIONS ASSURANCE
AXA GENERAL INSURANCE LIMITED
AXA GLOBAL LIFE UK
AXA GROUP OPERATIONS UK LIMITED
AXA INSURANCE PLC
AXA INSURANCE UK PLC
AXA PPP HEALTHCARE GROUP LIMITED
AXA PPP HEALTHCARE LIMITED
AXA SERVICES LIMITED
AXA UK PLC
BLUEFIN INSURANCE GROUP LIMITED
BRITISH UNITED PROVIDENT ASSOCIATION LIMITED(THE)
BUPA INSURANCE LIMITED
ELEVATE PORTFOLIO SERVICES LIMITED
HIGHWAY INSURANCE COMPANY LIMITED
LIONTRUST ADVISORY SERVICES LIMITED
LIONTRUST MULTI-ASSET LIMITED
LIVERPOOL VICTORIA GENERAL INSURANCE GROUP LIMITED
LIVERPOOL VICTORIA INSURANCE COMPANY LIMITED
M&G PLC
PHOENIX AW LIMITED
PHOENIX SL DIRECT LIMITED
PHOENIX WEALTH HOLDINGS LIMITED
PHOENIX WEALTH SERVICES LIMITED
SUN LIFE CORPORATION LIMITED
SWISS RE EUROPE S.A.
SWISS RE INTERNATIONAL SE, UK BRANCH
THINC HOLDINGS LIMITED
THINC UK GROUP LIMITED
WINTERTHUR FINANCIAL SERVICES UK LIMITED
WINTERTHUR UK FINANCIAL SERVICES GROUP LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Balance Sheet
Fixed Assets 99,962,000 99,962,000 109,116,000
Current Assets 141,619,000 141,619,000 93,235,000
Creditors Due Within One Year 181,834,000 181,834,000 167,043,000
Working Cap -40,215,000 -40,215,000 -73,808,000
Total Assets Less Current Liabilities 59,747,000 59,747,000 35,308,000
Long-term Liabilities 9,048,000 9,048,000 8,037,000
Net Assets 50,699,000 50,699,000 27,271,000
Share Capital & Reserves
Share Cap 1,000,000 1,000,000 1,000,000
Profit & Loss Reserves 49,699,000 49,699,000 26,271,000
Other Reserves 0 0 0
Shareholders Funds 50,699,000 50,699,000 27,271,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Tangible Fixed Assets - - -
Fixed Assets 41.4% 41.4% 53.9%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 0.1% 0.1% 0.1%
Cash Bank In Hand 7.9% 7.9% 13.3%
Current Assets 58.6% 58.6% 46.1%
Creditors Due Within One Year 75.3% 75.3% 82.6%
Net Current Assets Liabilities -16.6% -16.6% -36.5%
Creditors Due After One Year 3.7% 3.7% 4.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 21.0% 21.0% 13.5%
Called Up Share Capital 0.4% 0.4% 0.5%
Share Capital Allotted Called Up Paid 0.4% 0.4% 0.5%
Profit Loss Account Reserve 20.6% 20.6% 13.0%
Shareholder Funds 21.0% 21.0% 13.5%
Capital Employed - - -
Total Assets Less Current Liabilities 24.7% 24.7% 17.4%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Liquidity Ratio 0.8 0.8 0.6
Solvency Ratio 1.3 1.3 1.2
Reserves to Assets 0.2 0.2 0.1
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-Dec-2024 31-Dec-2014 31-Dec-2013
Assets 241,581,000 241,581,000 202,351,000
Debt 190,882,000 190,882,000 175,080,000
Net Assets/Debt 50,699,000 50,699,000 27,271,000

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.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. 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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. 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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. 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
Other Business around EC2R 7HJ
FIRST TRUST GLOBAL PORTFOLIOS LIMITED
Floor 2 8 Angel Court, London, EC2R 7HJ
KEYDATA RESIDENTIAL PROPERTY FUND LIMITED PARTNERSHIP
ONE ANGEL COURT, LONDON, EC2R 7HJ
YPO GREATER LONDON
36-38 Westbourne Grove, Newton Road, London, EC2R 7HJ
INTERNATIONAL BANKING FEDERATION LIMITED
5th Floor 1 Angel Court, London, EC2R 7HJ
SAVANNAH MINING LIMITED
8 Angel Court, London, England, EC2R 7HJ
UK FINANCE LIMITED
1 Angel Court, London, EC2R 7HJ
ANALYSIS GROUP LTD.
1 ANGEL COURT, LONDON, EC2R 7HJ
Document Filings
Appointment of Mr Richard James Keith Washington as a director on 16 January 2026
Termination of appointment of Christopher Patrick Carroll as a director on 16 January 2026
Termination of appointment of Robin Ashley Phipps as a director on 31 December 2025
Termination of appointment of Sophie Jane O'connor as a director on 31 December 2025
Director's details changed for Mr Christopher Patrick Carroll on 14 March 2025
Director's details changed for Mr Robin Ashley Phipps on 27 June 2025
Confirmation statement made on 20 June 2025 with no updates
Appointment of Miss Clare Jane Bousfield as a director on 18 March 2025
Termination of appointment of Richard James Keith Washington as a director on 13 January 2025
Appointment of Mr Christopher Patrick Carroll as a director on 13 January 2025
Termination of appointment of Carlos Antonio Jaureguizar Ruiz-Jarabo as a director on 13 January 2025
Confirmation statement made on 20 June 2024 with no updates
Appointment of Mr Richard Washington as a director on 14 June 2024
Appointment of Mr Carlos Antonio Jaureguizar Ruiz-Jarabo as a director on 14 June 2024
Termination of appointment of Alexander Philip Perry as a director on 14 June 2024
Appointment of Ms Anna-Marie Oldfield as a director on 13 June 2024
Termination of appointment of Siobhan Moynihan as a director on 13 June 2024
Termination of appointment of Steve Langan as a director on 15 May 2024
Appointment of Mrs Anne Torry as a director on 1 April 2024
Appointment of Mr Steve Langan as a director on 1 November 2023
Appointment of Ms Siobhan Moynihan as a director on 20 October 2023
Termination of appointment of Fiona Harris as a director on 20 October 2023
Termination of appointment of David William Smith as a director on 29 August 2023
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