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Envelop Risk Analytics Limited

10531277

active
Private Limited Company
england wales
Companies House
Health Score
73 / 100

Some Concerns

25/30
Filing
10/30
Financial
38/40
Risk
  • No accounts filed in last 18 months (-5)
  • Going concern doubt noted in accounts (-10)
  • 1 outstanding charge (-2)

Details

6TH FLOOR VINTRY BUILDING, BRISTOL, BS1 2BD
Incorporated 19/12/2016

Compliance

Last accounts

31/12/2024

group

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 18/12/2025

Due 01/01/2027

On track

Industry

65120
Non-life insurance
66220
Activities of insurance agents and brokers
66290
Other activities auxiliary to insurance and pension funding

Officers

Mr Jonathan Lionel Spry

director · Since 16/05/2017

DIRECTOR

BRITISH · ENGLAND · Age 48

Also on 3 other boards

Mr Brian Michael O'Hara

director · Since 31/05/2018

EXECUTIVE AND DIRECTOR

AMERICAN · BERMUDA · Age 78

Mrs Rachel Mary Delhaise

director · Since 20/07/2020

CHIEF RISK OFFICER

ENGLISH · ENGLAND · Age 59

Also on 1 other board

Mr Graeme David Bell

director · Since 10/09/2020

SENIOR LAWYER

BRITISH · ENGLAND · Age 49

Also on 4 other boards

Mr Charles Townsend Goldie

director · Since 18/11/2021

CHIEF UNDERWRITING OFFICER

AMERICAN · SWITZERLAND · Age 60

Zoravar Gill

director · Since 05/02/2025

VICE PRESIDENT, SOFTBANK INVESTMENT ADVI

INDIAN · UNITED KINGDOM · Age 34

Persons with Significant Control

Former PSCs

Qxbranch Uk Limited

Ceased 18/07/2019

Mr Nicolai Borcher Hansen

Ceased 28/12/2018

Charges1 outstanding

Charge
outstanding

HSBC UK BANK PLC

Created 12/10/2022Registered 20/10/2022

CompanyRankvs 647+ SIC 65120 peers
51

Financial strength47th percentile among SIC peers · 12/25
Employees92th percentile among SIC peers · 14/15
LiquidityCurrent ratio 20.59× · 20/20
Longevity10 years trading (max 15) · 10/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10Outstanding charges -10
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How is this score calculated?
Financial strength12/25 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.

Longevity10/15 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

suppliers. While the pandemic has had a significant impact on the global economy, and there is uncertainty how long it will continue to do so, the directors do not believe it impacts the use of the going concern basis of preparation nor does it cast significant doubt about the company's ability to continue as a going concern for a period of twelve months from the date of the financial statements b

Key FinancialsYear ending 31/12/2020

Net Worth

£15k

Balance sheet strength

Cash

£3.1M

Cash in the bank

Net Current Assets

£5.3M

Working capital

Current Assets

£5.5M

Current Liabilities

£269k

Fixed Assets

£49k

Debtors

£2.4M

19avg. employees+7

Balance Sheet

Intangible assets£8k
Assets less current liabilities£5.3M
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
202020.59-£1.0M
20191.17-£406k
20185.27

Derived from filed accounts. Not audited figures.