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J R Stephens Ltd

09487348

active
Private Limited Company
england wales
Companies House
Health Score
90 / 100

Healthy

30/30
Filing
20/30
Financial
40/40
Risk

No risk factors detected.

Details

5A ST PIRANS ROAD, PERRANPORTH, TR6 0BH
Incorporated 12/03/2015

Compliance

Last accounts

31/10/2024

micro entity

Next accounts due

31/07/2026

On track

Confirmation statement

Last: 12/03/2026

Due 26/03/2027

On track

Industry

66220
Activities of insurance agents and brokers

Officers

Mrs Justine Isolde White

secretary · Since 12/03/2015

Also on 1 other board

Mr Darren Stephens

director · Since 12/03/2015

DIRECTOR

BRITISH · ENGLAND · Age 58

Also on 1 other board

Mrs Justine Isolde White

director · Since 12/03/2015

DIRECTOR

BRITISH · ENGLAND · Age 52

Also on 1 other board

Persons with Significant Control

Mrs Justine Isolde White

25–50% shares

British · England · Age 52

5a St Pirans Road, Perranporth, TR6 0BH

Notified 06/04/2016

Mr Darren Stephens

25–50% shares

British · England · Age 58

5a St Pirans Road, Perranporth, TR6 0BH

Notified 06/04/2016

CompanyRankvs 1345+ SIC 66220 peers
72

Financial strength79th percentile among SIC peers · 20/25
Employees86th percentile among SIC peers · 13/15
LiquidityCurrent ratio 1.38× · 12/20
Longevity12 years trading (max 15) · 12/15
Filing complianceAll filings up to date · 15/15
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How is this score calculated?
Financial strength20/25 pts

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

Employees13/15 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.

Longevity12/15 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 31/10/2025

Net Worth

£106k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

£24k

Working capital

Current Assets

£85k

Current Liabilities

£62k

Fixed Assets

£84k

6avg. employees

Balance Sheet

Assets less current liabilities£108k
Signed by Mrs Justine White Mr Darren Stephens 10/07/2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20251.38-£19k
20241.64-£3k
20231.44—

Derived from filed accounts. Not audited figures.