Company Overview
Reich Life Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 24 October 2007, so this is a well established company. Reich Life Ltd has been in business for 18 years and 5 months. The accounts status is small and the accounts are next due on Monday 30 June 2025.
Registered Address

The Copper Room Deva City Office Park, Trinity Way, Manchester, M3 7BG
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Companies House Data
Company NameREICH LIFE LTD
Company Number06408048
Registered Office AddressThe Copper Room Deva City Office Park
 Trinity Way
 M3 7BG
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date24/10/2007
Accounting Reference Date Day30
Accounting Reference Date Month9
Accounts Next Due Date30/06/2025
Accounts Last Made Up Date31/03/2023
Accounts Account CategorySMALL
Returns Next Due Date28/09/2016
Returns Last Made Up Date31/08/2015
Previous Company NameChanged Date
REICH CHESTNUT LIMITED03 Jan 2018
CHESTNUT BUSINESS SOLUTIONS UK LTD11 May 2015
Directors & Members
Show Resigned
Jonathan Cumpstey - Director
(British, 65 years old, born November 1961)
Appointed 05 May 2023
 Active
John King - Director
(British, 61 years old, born April 1965)
Appointed 05 May 2023
 Active
Rachel Margerson - Director
(British, 55 years old, born March 1971)
Appointed 25 July 2023
 Active
Michael Millar - Director
(British, 38 years old, born March 1988)
Appointed 05 May 2023
 Active
Reece Wootten - Director
(British, 35 years old, born May 1991)
Appointed 16 June 2023
 Active
Secretaries
Show Resigned
Graeme Manning - Secretary
Appointed 06 April 2023
 Active
Other Company Directorships
Jonathan Cumpstey
A-PLAN HOLDINGS
ASTON LARK EMPLOYEE BENEFITS LIMITED
DNA INSURANCE SERVICES LTD
HOWDEN EMPLOYEE BENEFITS & WELLBEING HOLDINGS LIMITED
HOWDEN EMPLOYEE BENEFITS & WELLBEING LIMITED
HOWDEN LIFE & HEALTH LIMITED
HOWDEN SCOTLAND LIMITED
PHILIP WILLIAMS (G INS) MANAGEMENT LIMITED
REICH INSURANCE BROKERS LIMITED
RIGHT TO HEALTH LIMITED
John King
A-PLAN GROUP LTD
A-PLAN HOLDINGS
FORTEGRA INSURANCE UK LTD.
HOWDEN EMPLOYEE BENEFITS & WELLBEING LIMITED
HOWDEN INSURANCE BROKERS LIMITED
HOWDEN LIFE & HEALTH LIMITED
HOWDEN UK BROKERS LIMITED
HOWDEN UK&I HOLDINGS LIMITED
IJK REGULATORY CONSULTING LTD
ITC COMPLIANCE LIMITED
REICH INSURANCE BROKERS LIMITED
Rachel Margerson
REICH INSURANCE BROKERS LIMITED
Michael Millar
AJ INSURANCE SERVICE (HOLDINGS) LIMITED
AJ INSURANCE SERVICE LIMITED
ALLEGIANCE INSURE LIMITED
ASTON LARK (TOPCO) LIMITED
ASTON LARK EMPLOYEE BENEFITS LIMITED
BRUCE STEVENSON LIMITED
CURTIS MARINE INSURANCE BROKERS LIMITED
DICKSON FINANCIAL SERVICES LIMITED
ENDSLEIGH INSURANCE SERVICES LIMITED
ENDSLEIGH LIMITED
ESSEX INSURANCE BROKERS LIMITED
HEALTHWISE LIMITED
HOWDEN PI LIMITED
HOWDEN RCS LIMITED
HOWDEN UK BROKERS LIMITED
INCEPTA RISK MANAGEMENT LTD
INNOVATION BROKING GROUP LIMITED
ISCA BARUM INSURANCE BROKERS LTD
LAGONDA HOLDCO LIMITED
LGR HOLDINGS LIMITED
PHILIP WILLIAMS (G INS) MANAGEMENT LIMITED
REICH INSURANCE BROKERS LIMITED
SFS GROUP LIMITED
SFTS TRUSTEES LIMITED
THE HEALTHWISE GROUP LIMITED
UKGLOBAL BROKING GROUP LIMITED
Reece Wootten
REICH GROUP LIMITED
REICH HEALTHCARE LIMITED
REICH INSURANCE BROKERS LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2023 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets -94,000 -94,000 -94,000
Current Assets 681,446 681,446 470,878
Creditors Due Within One Year 419,710 419,710 322,031
Working Cap 261,736 261,736 148,847
Total Assets Less Current Liabilities 167,736 167,736 54,847
Long-term Liabilities 0 0 0
Net Assets 167,736 167,736 54,847
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 167,736 167,736 54,847
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2023 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets -16.0% -16.0% -24.9%
Stocks Inventory - - -
Debtors 8.5% 8.5% 21.0%
Cash Bank In Hand 107.5% 107.5% 103.9%
Current Assets 116.0% 116.0% 124.9%
Creditors Due Within One Year 71.4% 71.4% 85.4%
Net Current Assets Liabilities 44.6% 44.6% 39.5%
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 28.6% 28.6% 14.6%
Capital Employed - - -
Total Assets Less Current Liabilities 28.6% 28.6% 14.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2023 31-Mar-2022 31-Mar-2021
Liquidity Ratio 1.6 1.6 1.5
Solvency Ratio 1.4 1.4 1.2
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2023 31-Mar-2022 31-Mar-2021
Assets 587,446 587,446 376,878
Debt 419,710 419,710 322,031
Net Assets/Debt 167,736 167,736 54,847

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 amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   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 amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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
Final Gazette dissolved via voluntary strike-off
First Gazette notice for voluntary strike-off
Application to strike the company off the register
Satisfaction of charge 064080480002 in full
Satisfaction of charge 064080480003 in full
Registered office address changed from The Copper Room Deva City Office Park Trinity Way Manchester M3 7BG England to One Creechurch Place London United Kingdom EC3A 5AF on 13 March 2025
Statement of capital on 12 March 2025
Statement by Directors
Solvency Statement dated 11/03/25
Resolutions
Cessation of Reich Group Limited as a person with significant control on 1 March 2025
Notification of Aston Lark Group Limited as a person with significant control on 1 March 2025
Termination of appointment of Stuart Paul Rootham as a director on 4 December 2024
Confirmation statement made on 30 September 2024 with no updates
Registration of charge 064080480002, created on 13 June 2024
Registration of charge 064080480003, created on 13 June 2024
Termination of appointment of John Child as a director on 1 April 2024
Termination of appointment of Simon Paul Taylor as a director on 1 April 2024
Current accounting period extended from 31 March 2024 to 30 September 2024
Confirmation statement made on 30 September 2023 with no updates
Director's details changed for Mr Simon Paul Taylor on 26 September 2023
Director's details changed for Mr Jonathan Paul Cumpstey on 25 September 2023
Confirmation statement made on 4 September 2023 with no updates
Appointment of Rachel Margaret Margerson as a director on 25 July 2023
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