Company Overview
Ripe Insurance Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 09 August 2002, so this is a well established company. Ripe Insurance Services Limited has been in business for 23 years and 7 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

One Stockport Exchange, Railway Road, Stockport, SK1 3SW
Credit Reports Available

These credit rating reports are available now:


Credit Analysts Report
Get Report >>

Standard Credit Report
Get Report >>

Basic Credit Report
Get Report >>

24/7 credit rating data feed - no UK company credit reports are updated faster

Companies House Data
Company NameRIPE INSURANCE SERVICES LIMITED
Company Number04507332
Registered Office AddressOne Stockport Exchange
 Railway Road
 SK1 3SW
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date09/08/2002
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 Date06/09/2016
Returns Last Made Up Date09/08/2015
Previous Company NameChanged Date
J R W GROUP SERVICES LIMITED15 Jun 2017
Directors & Members
Show Resigned
Robert Styring - Director
(British, 55 years old, born November 1971)
Appointed 03 September 2024
 Active
Alan Thomas - Director
(British, 50 years old, born May 1976)
Appointed 07 October 2024
 Active
Secretaries
Show Resigned
Other Company Directorships
Robert Styring
CRAFTINSURE LIMITED
E-WARRANTY LIMITED
EXPACARE LIMITED
GREENFREE LIMITED
INGHAM & CO (LIABILITIES) LIMITED
INGHAM (HOLDINGS) LIMITED
KINGSBRIDGE GROUP LIMITED
KINGSBRIDGE PROFESSIONAL SOLUTIONS LIMITED
KINGSBRIDGE RISK SOLUTIONS LIMITED
LARSEN HOWIE LIMITED
M.P. BOLSHAW AND COMPANY LIMITED
PAVILION INSURANCE MANAGEMENT LIMITED
PAVILION INSURANCE NETWORK LIMITED
PIN FINANCE LIMITED
RIPE THINKING LIMITED
RIPE THINKING TWO LIMITED
RISK MANAGEMENT SUPPORT LIMITED
THE GOLFERS CLUB U.K. LIMITED
THISTLE INSURANCE SERVICES LIMITED
THISTLE UNDERWRITERS LIMITED
TROOP CREATIVE DEVELOPMENT LTD
Alan Thomas
CRAFTINSURE LIMITED
GREENFREE LIMITED
RIPE THINKING LIMITED
RIPE THINKING TWO LIMITED
SCHOFIELDS LIMITED
THE GOLFERS CLUB U.K. LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 3,930,964 3,930,964 2,685,093
Current Assets 12,153,838 12,153,838 9,337,841
Creditors Due Within One Year 3,548,414 3,548,414 2,761,272
Working Cap 8,605,424 8,605,424 6,576,569
Total Assets Less Current Liabilities 12,536,388 12,536,388 9,261,662
Long-term Liabilities 213,949 213,949 510,422
Net Assets 12,322,439 12,322,439 8,751,240
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 12,322,439 12,322,439 8,751,240
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 24.4% 24.4% 22.3%
Stocks Inventory - - -
Debtors 39.3% 39.3% 40.7%
Cash Bank In Hand 36.3% 36.3% 36.9%
Current Assets 75.6% 75.6% 77.7%
Creditors Due Within One Year 22.1% 22.1% 23.0%
Net Current Assets Liabilities 53.5% 53.5% 54.7%
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 76.6% 76.6% 72.8%
Capital Employed - - -
Total Assets Less Current Liabilities 77.9% 77.9% 77.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 3.4 3.4 3.4
Solvency Ratio 4.3 4.3 3.7
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 16,084,802 16,084,802 12,022,934
Debt 3,762,363 3,762,363 3,271,694
Net Assets/Debt 12,322,439 12,322,439 8,751,240

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. The balance sheet indicates the net assets of a good sized 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 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. The balance sheet indicates the net assets of a good sized 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 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. The balance sheet indicates the net assets of a good sized 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 SK1 3SW
PARFITTS MOTOR SERVICES LIMITED
C/O Stagecoach Services Limited One Stockport Exchange, 20 Railway Road, Stockport, SK1 3SW
LINCOLNSHIRE ROAD CAR COMPANY LIMITED
ONE STOCKPORT EXCHANGE, 20 RAILWAY ROAD, STOCKPORT, SK1 3SW
CUMBERLAND MOTOR SERVICES LIMITED
C/O Stagecoach Services Limited One Stockport Exchange, 20 Railway Road, Stockport, SK1 3SW
UNITED COUNTIES OMNIBUS COMPANY LIMITED
C/O Stagecoach Services Limited One Stockport Exchange, 20 Railway Road, Stockport, SK1 3SW
THE FORMER RIBBLE MOTOR SERVICES LIMITED
C/O Stagecoach Services Limited One Stockport Exchange, 20 Railway Road, Stockport, SK1 3SW
EAST KENT ROAD CAR COMPANY,LIMITED
ONE STOCKPORT EXCHANGE, 20 RAILWAY ROAD, STOCKPORT, SK1 3SW
SOUTHDOWN MOTOR SERVICES LIMITED
C/O Stagecoach Services Limited One Stockport Exchange, 20 Railway Road, Stockport, SK1 3SW
WESTERN BUSES LIMITED
ONE STOCKPORT EXCHANGE, 20 RAILWAY ROAD, STOCKPORT, SK1 3SW
STAGECOACH (NORTH WEST) LIMITED
ONE STOCKPORT EXCHANGE, 20 RAILWAY ROAD, STOCKPORT, SK1 3SW
THE MEXBOROUGH AND SWINTON TRACTION COMPANY LIMITED
C/O Stagecoach Services Limited One Stockport Exchange, 20 Railway Road, Stockport, SK1 3SW
Document Filings
Registered office address changed from The Royals Altrincham Road Manchester M22 4BJ to One Stockport Exchange Railway Road Stockport SK1 3SW on 18 December 2025
Confirmation statement made on 14 June 2025 with updates
Statement of capital following an allotment of shares on 9 April 2025
Termination of appointment of John Robert Woosey as a director on 31 October 2024
Termination of appointment of Paul Michael Williams as a director on 31 October 2024
Appointment of Mr Alan Thomas as a director on 7 October 2024
Appointment of Mr Robert Alan Styring as a director on 3 September 2024
Confirmation statement made on 14 June 2024 with updates
Memorandum and Articles of Association
Resolutions
Confirmation statement made on 9 August 2023 with no updates
Director's details changed for Mr John Robert Woosey on 1 August 2023
Confirmation statement made on 9 August 2022 with no updates
Termination of appointment of Colin Whitehead as a director on 21 July 2022
Termination of appointment of Colin Whitehead as a secretary on 21 July 2022
Director's details changed for Mr John Robert Woosey on 8 August 2022
Director's details changed for Mr. Colin Whitehead on 8 August 2022
Confirmation statement made on 9 August 2021 with no updates
Satisfaction of charge 045073320002 in full
Appointment of Colin Whitehead as a secretary on 27 January 2021
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free