Company Overview
Advisory Insurance Brokers Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 31 July 2000, so this is a well established company. Advisory Insurance Brokers Limited has been in business for 25 years and 8 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

2 Minster Court, Mincing Lane, London, EC3R 7PD
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Companies House Data
Company NameADVISORY INSURANCE BROKERS LIMITED
Company Number04043759
Registered Office Address2 Minster Court
 Mincing Lane
 EC3R 7PD
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date31/07/2000
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 Date28/11/2016
Returns Last Made Up Date31/10/2015
Previous Company NameChanged Date
TOWERGATE UNDERWRITING GROUP LIMITED22 Mar 2022
Directors & Members
Show Resigned
Phil Bayles - Director
(British, 59 years old, born January 1967)
Appointed 27 February 2026
 Active
Secretaries
Show Resigned
Other Company Directorships
Phil Bayles
COMPASS BROKER HOLDINGS LIMITED
COMPASS BROKER NETWORKS LIMITED
SEA INVESTMENT HOLDINGS LIMITED
THE BROKER NETWORK LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Balance Sheet
Fixed Assets 309,974,000 309,974,000 318,303,000
Current Assets 170,384,000 170,384,000 205,689,000
Creditors Due Within One Year 145,812,000 145,812,000 155,118,000
Working Cap 24,572,000 24,572,000 50,571,000
Total Assets Less Current Liabilities 334,546,000 334,546,000 368,874,000
Long-term Liabilities 12,201,000 12,201,000 4,410,000
Net Assets 322,345,000 322,345,000 364,464,000
Share Capital & Reserves
Share Cap 503,261,000 503,261,000 503,261,000
Profit & Loss Reserves -181,209,000 -181,209,000 -139,313,000
Other Reserves 293,000 293,000 516,000
Shareholders Funds 322,345,000 322,345,000 364,464,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Tangible Fixed Assets - - -
Fixed Assets 64.5% 64.5% 60.7%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 3.5% 3.5% 5.7%
Cash Bank In Hand 23.6% 23.6% 17.7%
Current Assets 35.5% 35.5% 39.3%
Creditors Due Within One Year 30.4% 30.4% 29.6%
Net Current Assets Liabilities 5.1% 5.1% 9.7%
Creditors Due After One Year 2.5% 2.5% 0.8%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 67.1% 67.1% 69.6%
Called Up Share Capital 104.8% 104.8% 96.0%
Share Capital Allotted Called Up Paid 104.8% 104.8% 96.0%
Profit Loss Account Reserve -37.7% -37.7% -26.6%
Shareholder Funds 67.1% 67.1% 69.6%
Capital Employed - - -
Total Assets Less Current Liabilities 69.6% 69.6% 70.4%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Liquidity Ratio 1.2 1.2 1.3
Solvency Ratio 3.0 3.0 3.3
Reserves to Assets -0.4 -0.4 -0.3
Secured Creditors Unlock full report
Mortgages Charges 21
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 21
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Assets 480,358,000 480,358,000 523,992,000
Debt 158,013,000 158,013,000 159,528,000
Net Assets/Debt 322,345,000 322,345,000 364,464,000

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.

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 balance sheet indicates the substantial net assets of a large company. 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 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 balance sheet indicates the substantial net assets of a large company. 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 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 balance sheet indicates the substantial net assets of a large company. 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
Other Business around EC3R 7PD
PFIH LIMITED
6TH FLOOR, 2 MINSTER COURT, MINCING LANE, LONDON, EC3R 7PD
PURELY INSURANCE LIMITED
6th Floor, 2, Minster Court Mincing Lane, London, EC3R 7PD
PRICE FORBES GROUP LIMITED
6TH FLOOR, 2, MINSTER COURT MINCING LANE, LONDON, EC3R 7PD
ARDONAGH SPECIALTY LIMITED
2 MINSTER COURT, MINCING LANE, LONDON, EC3R 7PD
Document Filings
Second filing for the termination of Richard Tuplin as a director
Appointment of Mr. Phil Bayles as a director on 27 February 2026
Termination of appointment of Richard Tuplin as a director on 12 December 2025
Confirmation statement made on 15 June 2025 with no updates
Confirmation statement made on 15 June 2024 with updates
Statement of capital following an allotment of shares on 6 June 2024
Director's details changed for Mr Richard Tuplin on 15 May 2024
Termination of appointment of Robert Laurance Worrell as a director on 23 February 2024
Termination of appointment of Huw Scott Williams as a director on 23 February 2024
Appointment of Mr James Steven Yeandle as a director on 23 February 2024
Change of details for Ardonagh Advisory Holdings Limited as a person with significant control on 2 October 2023
Memorandum and Articles of Association
Resolutions
Satisfaction of charge 040437590021 in full
Confirmation statement made on 15 June 2023 with updates
Statement of capital on 25 October 2022
Resolutions
Statement by Directors
Solvency Statement dated 11/10/22
All of the property or undertaking has been released from charge 040437590021
Memorandum and Articles of Association
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