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Lumley Insurance Ltd

02813133

active
Private Limited Company
Companies House
Health Score
78 / 100

Some Concerns

30/30
Filing
10/30
Financial
38/40
Risk
  • Current liabilities exceed current assets (-10)
  • 1 outstanding charge (-2)

Details

LUMLEY HOUSE 56 ELLIOTT ROAD, CIRENCESTER, GL7 1YS
Incorporated 27/04/1993

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

66220
Activities of insurance agents and brokers

Officers

John Edward Richard Lumley

director · Since 25/01/2003

INSURANCE

BRITISH · UNITED KINGDOM · Age 65

Also on 3 other boards

Mr Christopher Francis Richard Lumley

director · Since 01/12/2005

INSURANCE BROKER

BRITISH · UNITED KINGDOM · Age 62

Also on 1 other board

Mr Paul Spencer Davies

director · Since 30/07/2020

FINANCE DIRECTOR

BRITISH · ENGLAND · Age 48

Also on 2 other boards

Mrs Samantha Davies

director · Since 09/05/2021

OPERATIONS MANAGER

BRITISH · ENGLAND · Age 40

Persons with Significant Control

Mr John Edward Richard Lumley

50–75% shares

British · United Kingdom · Age 65

Lumley House, 56 Elliott Road, Cirencester, GL7 1YS

Notified 17/04/2016

Former PSCs

Mr Christopher Francis Richard Lumley

Ceased 16/10/2024

Charges1 outstanding

charge
satisfied

DAVID JOHN WOODWARD AND MARIAN NORA WOODMAN

Created 24/03/2005Registered 31/03/2005Satisfied 28/05/2014
charge
outstanding

BARCLAYS BANK PLC

Created 18/12/1995Registered 29/12/1995

CompanyRankvs 480+ SIC 66220 peers
70

Financial strength92th percentile among SIC peers · 23/25
Employees98th percentile among SIC peers · 15/15
LiquidityCurrent ratio 1.47× · 12/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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480Lumley Insurance Ltd
80
How is this score calculated?
Financial strength23/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees15/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity12/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity15/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Risk deductions

Outstanding charges: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Key FinancialsYear ending 31/12/2024

Net Worth

£509k

Balance sheet strength

Cash

£1.1M

Cash in the bank

Net Current Assets

£441k

Working capital

Current Assets

£1.4M

Current Liabilities

£938k

Fixed Assets

£68k

Debtors

£280k

36avg. employees
Signed by 2813133 2024-01-01 2024-12-31 2813133 2024-12-31 2813133 bus:OrdinaryShareClass1 2024-12-31 2813133 bus:OrdinaryShareClaPrepared with Digita Accounts Production Advanced

EstimatesDerived

YearCurrent RatioImplied Profit
20241.47+£170k
20231.29+£31k
20221.26-£32k
20211.17-£492k
20201.55+£256k
20191.43+£233k
20181.30—

Derived from filed accounts. Not audited figures.