Company Overview
Clear Risk Management Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 26 June 2003, so this is a well established company. Clear Risk Management Limited has been in business for 22 years and 9 months. The accounts status is small 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 RISK MANAGEMENT LIMITED
Company Number04812139
Registered Office Address1 Great Tower Street
 EC3R 5AA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date26/06/2003
Accounting Reference Date Day31
Accounting Reference Date Month10
Accounts Next Due Date31/07/2026
Accounts Last Made Up Date31/10/2024
Accounts Account CategorySMALL
Returns Next Due Date24/07/2016
Returns Last Made Up Date26/06/2015
Previous Company NameChanged Date
PROAKTIVE RISK MANAGEMENT LIMITED28 Jun 2024
Directors & Members
Show Resigned
Ian Clayton - Director
(British, 46 years old, born March 1980)
Appointed 01 October 2020
 Active
Michael Edgeley - Director
(British, 60 years old, born October 1966)
Appointed 04 November 2022
 Active
Timothy Money - Director
(British, 59 years old, born January 1967)
Appointed 04 November 2022
 Active
Andrew Morley - Director
(British, 56 years old, born May 1970)
Appointed 06 April 2018
 Active
Philip Williams - Director
(British, 43 years old, born May 1983)
Appointed 04 November 2022
 Active
Secretaries
Show Resigned
Jitendra Patel - Secretary
Appointed 29 July 2022
 Active
Other Company Directorships
Ian Clayton
No companies found
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
Andrew Morley
ACTIB LIMITED
DONCASTER CHAMBER OF COMMERCE AND ENTERPRISE
PROAKTIVE HOLDINGS LIMITED
PROAKTIVE LTD
PROAKTIVE RISK GROUP LIMITED
RIXON MATTHEWS APPLEYARD LIMITED
T I B INSURANCE BROKERS LIMITED
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
Balance Sheet Unlock full report
Accounts Date 31-Oct-2024 31-Dec-2021 31-Dec-2020
Balance Sheet
Fixed Assets 53,216 53,216 40,705
Current Assets 381,006 381,006 522,686
Creditors Due Within One Year 302,612 302,612 462,569
Working Cap 78,394 78,394 60,117
Total Assets Less Current Liabilities 131,610 131,610 100,822
Long-term Liabilities 21,506 21,506 60,345
Net Assets 110,104 110,104 40,477
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 110,104 110,104 40,477
Common Size Financial Analysis Unlock full report
Accounts Date 31-Oct-2024 31-Dec-2021 31-Dec-2020
Tangible Fixed Assets - - -
Fixed Assets 12.3% 12.3% 7.2%
Stocks Inventory - - -
Debtors 47.9% 47.9% 43.6%
Cash Bank In Hand 39.9% 39.9% 49.2%
Current Assets 87.7% 87.7% 92.8%
Creditors Due Within One Year 69.7% 69.7% 82.1%
Net Current Assets Liabilities 18.1% 18.1% 10.7%
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 25.4% 25.4% 7.2%
Capital Employed - - -
Total Assets Less Current Liabilities 30.3% 30.3% 17.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Oct-2024 31-Dec-2021 31-Dec-2020
Liquidity Ratio 1.3 1.3 1.1
Solvency Ratio 1.3 1.3 1.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 5
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 5
Assets and Debt Analysis Unlock full report
Accounts Date 31-Oct-2024 31-Dec-2021 31-Dec-2020
Assets 434,222 434,222 563,391
Debt 324,118 324,118 522,914
Net Assets/Debt 110,104 110,104 40,477

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 appeared positive. We would normally view a company positively for this. 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 appeared positive. We would normally view a company positively for this. 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 appeared positive. We would normally view a company positively for this. 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 15 July 2025 with no updates
Termination of appointment of Joanne Cooling as a director on 31 July 2024
Termination of appointment of Ian Laycock as a director on 31 July 2024
Confirmation statement made on 15 July 2024 with no updates
Registered office address changed from 1 1 Great Tower Street London EC3R 5AA United Kingdom to 1 Great Tower Street London EC3R 5AA on 24 July 2024
Registered office address changed from Proaktive House Sidings Court White Rose Way Doncaster South Yorkshire DN4 5NU to 1 1 Great Tower Street London EC3R 5AA on 24 July 2024
Certificate of change of name
Confirmation statement made on 15 July 2023 with no updates
Appointment of Mr Philip John Williams as a director on 4 November 2022
Appointment of Mr Michael David Simon Edgeley as a director on 4 November 2022
Appointment of Mr Timothy John Money as a director on 4 November 2022
Current accounting period shortened from 31 December 2022 to 31 October 2022
Confirmation statement made on 15 July 2022 with no updates
Resolutions
Memorandum and Articles of Association
Appointment of Mr Jitendra Patel as a secretary on 29 July 2022
Termination of appointment of Deborah Morley as a secretary on 29 July 2022
Satisfaction of charge 2 in full
Satisfaction of charge 3 in full
Satisfaction of charge 048121390004 in full
Satisfaction of charge 048121390005 in full
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