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Smart-Cover Direct Limited

08493961

active
ltd
england wales
Companies House
Health Score
80 / 100

Healthy

30/30
Filing
10/30
Financial
40/40
Risk
  • Current liabilities exceed current assets (-10)

Details

Ashley Court 32 Main Street, Ashley, Market Harborough, LE16 8HF
Incorporated 18/04/2013

Compliance

Last accounts

31/05/2025

total exemption full

Next accounts due

28/02/2027

On track

Confirmation statement

Last: 30/04/2026

Due 14/05/2027

On track

Industry

66220
Activities of insurance agents and brokers

Officers

Mr Mohammed Niraz Buhari

director · Since 18/04/2013

BUSINESS PERSON

BRITISH · ENGLAND · Age 43

Also on 4 other boards

Mr Kumar Chetan Mankar

director · Since 01/09/2020

SALES DIRECTOR

BRITISH · ENGLAND · Age 42

Also on 2 other boards

Mr Vivek Vijaya Chandran Nair

director · Since 12/02/2026

INDIAN · UNITED KINGDOM · Age 37

Mr Naveed Ahmed

director · Since 12/02/2026

BRITISH · ENGLAND · Age 48

Also on 2 other boards

Mohammed Niraz Buhari

director · Since 18/04/2013

British · England · Age 43

Kumar Chetan Mankar

director · Since 01/09/2020

British · England · Age 42

Naveed Ahmed

director · Since 12/02/2026

British · England · Age 48

Vivek Vijaya Chandran Nair

director · Since 12/02/2026

Indian · United Kingdom · Age 37

Former

Grant Richard Burrows

director · Resigned 17/01/2023

Persons with Significant Control

Mr Grant Richard Burrows

25–50% shares

British · England · Age 67

Ashley Court, 32 Main Street, Market Harborough, LE16 8HF

Notified 06/04/2016

Mr Niraz Mohammed Buhari

25–50% shares

British · England · Age 43

Ashley Court, 32 Main Street, Market Harborough, LE16 8HF

Notified 06/04/2016

Change History

statusactive
2026-06-13

Active

typeltd
2026-06-13

Private Limited Company

address line1Ashley Court 32 Main Street
2026-06-13

ASHLEY COURT 32 MAIN STREET

post townMarket Harborough
2026-06-13

MARKET HARBOROUGH

officer appointedAHMED, Naveed
2026-06-13
officer appointedBUHARI, Mohammed Niraz
2026-06-13
officer appointedMANKAR, Kumar Chetan
2026-06-13
officer appointedVIJAYA CHANDRAN NAIR, Vivek
2026-06-13

CompanyRankvs 168+ SIC 66220 peers
86

Financial strength97th percentile among SIC peers · 24/25
Employees91th percentile among SIC peers · 14/15
LiquidityCurrent ratio 4.98× · 20/20
Longevity13 years trading (max 15) · 13/15
Filing complianceAll filings up to date · 15/15
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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.

Employees14/15 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.

Longevity13/15 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 31/05/2025

Net Worth

£1.6M

Balance sheet strength

Cash

£309k

Cash in the bank

Net Current Assets

£1.9M

Working capital

Current Assets

£2.4M

Current Liabilities

£479k

Fixed Assets

£1.5M

Debtors

£2.1M

9avg. employees

Balance Sheet

Intangible assets£1.5M
Bank loans & overdrafts£24k
Assets less current liabilities£3.4M
Prepared with Taxfiler

EstimatesDerived

YearCurrent RatioImplied Profit
20254.98+£0
20254.98-£481k
20243.15+£633k
20234.85+£53k
20227.61+£358k
20215.13+£25k
20207.38+£91k
201915.70+£82k
20186.59

Derived from filed accounts. Not audited figures.