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Niche Cover Limited

12611667

active
Private Limited Company
Companies House
Health Score
90 / 100

Healthy

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

No risk factors detected.

Details

142-154 CONGLETON ROAD, STOKE ON TRENT, ST7 1LX
Incorporated 19/05/2020

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

66220
Activities of insurance agents and brokers

Officers

Mr Richard John Fullerton

director · Since 19/05/2020

DIRECTOR

BRITISH · ENGLAND · Age 50

Also on 5 other boards

Mr Nigel Harper

director · Since 19/05/2020

DIRECTOR

BRITISH · UNITED KINGDOM · Age 52

Mr Garrath Michael Hussey

director · Since 19/05/2020

DIRECTOR

BRITISH · ENGLAND · Age 47

Also on 7 other boards

Mr Christopher Alan Lear

director · Since 19/05/2020

DIRECTOR

BRITISH · UNITED KINGDOM · Age 51

Also on 1 other board

Mr Kevin Phillips

director · Since 19/05/2020

DIRECTOR

BRITISH · ENGLAND · Age 56

Mr Kevin Ware

director · Since 09/04/2024

DIRECTOR

BRITISH · UNITED KINGDOM · Age 47

CompanyRankvs 1589+ SIC 66220 peers
69

Financial strength87th percentile among SIC peers · 22/25
Employees91th percentile among SIC peers · 14/15
LiquidityCurrent ratio 1.22× · 12/20
Longevity6 years trading (max 15) · 6/15
Filing complianceAll filings up to date · 15/15
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How is this score calculated?
Financial strength22/25 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.

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.

Longevity6/15 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

£274k

Balance sheet strength

Cash

£365k

Cash in the bank

Net Current Assets

£375k

Working capital

Current Assets

£2.1M

Current Liabilities

£1.7M

Fixed Assets

£22k

Debtors

£1.7M

9avg. employees

Tax at Year End

Corp tax£72k

Director Loans

Company owes directors£124k

Balance Sheet

Intangible assets£21k
Assets less current liabilities£397k
Signed by Mr Nigel Harper 28th February 2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20251.22+£0
20251.22+£238k
20241.21+£219k
20231.12-£50k
20222.21-£90k
20217.53

Derived from filed accounts. Not audited figures.