Back to search

Smarter Cover Limited

07123871

active
ltd
england wales
Companies House
Health Score
75 / 100

Some Concerns

25/30
Filing
10/30
Financial
40/40
Risk
  • No accounts filed in last 18 months (-5)
  • Current liabilities exceed current assets (-10)

Details

First Floor, Blue Bird House Mole Business Park, Randalls Road, Leatherhead, KT22 7BA
Incorporated 13/01/2010

Previously known as

Big Harvest Limited · until 04/05/2011
Clixel Limited · until 11/04/2010

Compliance

Last accounts

31/01/2025

unaudited abridged

Next accounts due

31/10/2026

On track

Confirmation statement

Last: 15/08/2025

Due 29/08/2026

On track

Industry

65110
Life insurance
66220
Activities of insurance agents and brokers

Officers

Mohammed Shakeel

director · Since 12/04/2010

DIRECTOR

BRITISH · ENGLAND · Age 52

Also on 2 other boards

Mohammed Shakeel

director · Since 12/04/2010

British · England · Age 52

Persons with Significant Control

Mohammed Shakeel

75–100% shares

British · England · Age 52

First Floor, Blue Bird House, Mole Business Park, Leatherhead, KT22 7BA

Notified 06/04/2016

Change History

statusactive
2026-06-24

Active

typeltd
2026-06-24

Private Limited Company

address line1First Floor, Blue Bird House Mole Business Park
2026-06-24

FIRST FLOOR, BLUE BIRD HOUSE MOLE BUSINESS PARK

post townLeatherhead
2026-06-24

LEATHERHEAD

CompanyRankvs 42+ SIC 65110 peers
88

Financial strength92th percentile among SIC peers · 23/25
Employees100th percentile among SIC peers · 15/15
LiquidityCurrent ratio 4.23× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Show leaderboard
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.

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.

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

Key FinancialsYear ending 31/01/2025

Net Worth

£499k

Balance sheet strength

Cash

£784k

Cash in the bank

Net Current Assets

£2.4M

Working capital

Current Assets

£3.2M

Current Liabilities

£758k

Fixed Assets

£75k

Debtors

£2.4M

73avg. employees+17

Director Loans(2023)

Company owes directors£800k

Balance Sheet

Intangible assets£72
Assets less current liabilities£2.5M
Prepared with Capium Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20254.23-£224k
202411.44+£1.5M
202315.86

Derived from filed accounts. Not audited figures.