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The Insurance Surgery Limited

05137288

active
Private Limited Company
england wales
Companies House
Health Score
68 / 100

Some Concerns

30/30
Filing
0/30
Financial
38/40
Risk
  • Current liabilities exceed current assets (-10)
  • Going concern doubt noted in accounts (-10)
  • 1 outstanding charge (-2)

Details

2ND FLOOR, PICKFORD STREET MILL, MACCLESFIELD, SK11 6JD
Incorporated 25/05/2004

Compliance

Last accounts

31/03/2025

total exemption full

Next accounts due

31/12/2026

On track

Confirmation statement

Last: 25/05/2025

Due 08/06/2026

On track

Industry

66220
Activities of insurance agents and brokers

Officers

Mr Timothy Daniel Murphy

director · Since 18/08/2015

DIRECTOR

BRITISH · ENGLAND · Age 60

Also on 22 other boards

Mr Andrew Mellor

director · Since 14/03/2022

DIRECTOR

BRITISH · ENGLAND · Age 48

Also on 3 other boards

Persons with Significant Control

Money Surgery Holdings Limited

Significant control

45, Pickford Street, Macclesfield, SK11 6HB

Reg: 09153311 · Companies House · Limited Company

Notified 06/04/2016

Charges1 outstanding

Charge
outstanding

SENECA CAPITAL NO. 2 LP (016487)

Created 18/08/2015Registered 19/08/2015

CompanyRankvs 36+ SIC 66220 peers
69

Financial strength95th percentile among SIC peers · 24/25
Employees97th percentile among SIC peers · 15/15
LiquidityCurrent ratio 3.25× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10Outstanding charges -10
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How is this score calculated?
Financial strength24/25 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.

Liquidity20/20 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

Going concern doubt: -10 pts

Outstanding charges: -10 pts

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

Going Concern Doubt

and in accordance with Financial Reporting Standard 102 section 1A Small Entities "The Financial Reporting Standard applicable in the UK and Republic of Ireland" and the Companies Act 2006. 2.2. Going Concern Disclosure The directors have not identified any material uncertainties related to events or conditions that may cast significant doubt about the company's ability to continue as a going

Key FinancialsYear ending 31/03/2025

Net Worth

£827k

Balance sheet strength

Cash

£17k

Cash in the bank

Net Current Assets

£790k

Working capital

Current Assets

£1.1M

Current Liabilities

£351k

Fixed Assets

£41k

Debtors

£1.1M

22avg. employees-4

Balance Sheet

Assets less current liabilities£831k
Signed by Mr A Mellor 11 December 2025Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20253.25+£876
20243.34+£66k
20233.14+£13k
20223.10—

Derived from filed accounts. Not audited figures.