TOWERGATE FINANCIAL (GROUP) LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-05-01 (in 1y)
Last made up 2026-04-17
Watchouts
Cash
£56K
+36.6% vs 2023
Net assets
-£11M
+0.3% vs 2023
Employees
0
Average over period
Profit before tax
£50K
+117.4% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Material uncertainty over going concern
The Company has disposed of their trade and assets and is in run-off. As a consequence, the financial statements of the Company have been prepared on a basis other than that of a going concern.
Net assets
2-year trend · vs Industrials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | — | — | |
| Operating profit | — | — | |
| Profit before tax | £23,000 | £50,000 | |
| Net profit | £18,000 | £38,000 | |
| Cash | £41,000 | £56,000 | |
| Total assets less current liabilities | -£11,175,000 | -£11,137,000 | |
| Net assets | -£11,175,000 | -£11,137,000 | |
| Equity | -£11,175,000 | -£11,137,000 | |
| Average employees | 0 | 0 | |
| Wages | — | — | |
| Directors' remuneration | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
—
Not reported
-
Cash
+36.6%
£41,000 £56,000
-
Net assets
+0.3%
-£11,175,000 -£11,137,000
-
Employees
—
Not reported
-
Profit before tax
+117.4%
£23,000 £50,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Current ratio | 0.46x | 0.46x |
Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 4 times since incorporation
- TOWERGATE FINANCIAL (GROUP) LIMITED 2009-09-07 → present
- TOWERGATE UNDERWRITING LIMITED 2005-10-27 → 2009-09-07
- THE TOWERGATE PARTNERSHIP LIMITED 2005-07-05 → 2005-10-27
- TOWERGATE ADMINISTRATION FACILITIES LIMITED 1998-04-09 → 2005-07-05
- RIDGEQUAY LIMITED 1998-03-02 → 1998-04-09
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Material uncertainty disclosed
“The Company has disposed of their trade and assets and is in run-off. As a consequence, the financial statements of the Company have been prepared on a basis other than that of a going concern.”
Group structure
- TOWERGATE FINANCIAL (GROUP) LIMITED · parent
- Towergate Financial (East) Holdings Limited 99.01%
- Towergate Financial (London) Limited 86.4%
- Towergate Financial (North) Holdings Limited 91.5%
- Towergate Financial (Scotland) Holdings Limited 100%
- Towergate Financial (West) Holdings Limited 100%
- Towergate FJC Dormant Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 33 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ARDONAGH CORPORATE SECRETARY LIMITED | Corporate Secretary | 2022-02-22 | — | — |
| COUGILL, Diane | Director | 2019-03-07 | Sep 1963 | British |
| ROSS, David Christopher | Director | 2022-08-08 | Feb 1969 | Irish |
Show 33 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ALEXANDER, Peter | Secretary | 1998-09-01 | 2000-01-18 |
| CLARK, Darryl James | Secretary | 2009-06-10 | 2009-09-07 |
| CLARK, Samuel Thomas Budgen | Secretary | 2011-07-22 | 2013-11-01 |
| CLARKE, Dean | Secretary | 2018-12-11 | 2022-02-22 |
| CRATON, Timothy Charles | Secretary | 2008-10-01 | 2009-06-10 |
| DYER, Paul Francis | Secretary | 1998-03-12 | 1998-09-01 |
| GOURIET, Geoffrey Costerton | Secretary | 2018-08-03 | 2018-12-11 |
| GREGORY, Jacqueline Anne | Secretary | 2016-12-20 | 2018-08-03 |
| HUNTER, Andrew Stewart | Secretary | 2009-09-07 | 2011-07-22 |
| JOHNSTON, Graham Hamilton | Secretary | 2009-12-17 | 2012-03-31 |
| OWENS, Jennifer | Secretary | 2013-11-25 | 2016-03-01 |
| REDDI, John | Secretary | 2001-01-23 | 2008-10-01 |
| LONDON LAW SECRETARIAL LIMITED | Corporate Nominee Secretary | 1998-03-02 | 1998-03-12 |
| BLANC, Amanda Jayne | Director | 2009-12-17 | 2011-02-14 |
| BOUCH, Clive | Director | 2017-01-25 | 2022-05-31 |
| CARRUTHERS, James Maxwell | Director | 2010-09-16 | 2011-07-07 |
| CROCKER, Nicholas John David | Director | 1999-01-21 | 2004-02-27 |
| CULLUM, Peter Geoffrey | Director | 1998-03-12 | 2015-04-02 |
| DARBY, Ian Stuart | Director | 2009-09-24 | 2011-12-01 |
| DYER, Paul Francis | Director | 1998-03-12 | 2007-02-20 |
| EGAN, Scott | Director | 2012-04-19 | 2015-09-17 |
| EROTOCRITOU, Antonios | Director | 2017-03-15 | 2019-03-07 |
| HODGES, Mark Steven | Director | 2011-10-25 | 2014-10-17 |
| HOMER, Andrew Charles | Director | 2009-06-10 | 2013-02-04 |
| MOORE, Philip Wynford | Director | 2012-02-24 | 2017-01-25 |
| MUGGE, Mark Stephen | Director | 2015-09-17 | 2018-03-02 |
| PAGE, Warren David | Director | 2012-05-29 | 2015-03-16 |
| PATRICK, Ian William James | Director | 2009-06-10 | 2012-03-31 |
| PHILIP, Timothy Duncan | Director | 2006-09-18 | 2009-06-10 |
| PROVERBS, Antony | Director | 1998-03-12 | 2009-06-10 |
| REA, Michael Peter | Director | 2012-02-24 | 2015-04-16 |
| SAULTER, Daniel | Director | 2009-09-24 | 2012-08-08 |
| LONDON LAW SERVICES LIMITED | Corporate Nominee Director | 1998-03-02 | 1998-03-12 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Ardonagh Services Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 191 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-12 | AA | accounts | Accounts with accounts type full | |
| 2025-04-24 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-18 | AA | accounts | Accounts with accounts type full | |
| 2024-04-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-10-02 | AA | accounts | Accounts with accounts type full | |
| 2023-04-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-09-26 | AA | accounts | Accounts with accounts type full | |
| 2022-08-08 | AP01 | officers | Appoint person director company with name date | |
| 2022-06-17 | TM01 | officers | Termination director company with name termination date | |
| 2022-04-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-02-28 | TM02 | officers | Termination secretary company with name termination date | |
| 2022-02-28 | AP04 | officers | Appoint corporate secretary company with name date | |
| 2021-10-04 | AA | accounts | Accounts with accounts type full | |
| 2021-04-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-11-24 | AA | accounts | Accounts with accounts type full | |
| 2020-07-14 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2020-07-14 | AD01 | address | Change registered office address company with date old address new address | |
| 2020-04-20 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2020-04-17 | PSC05 | persons-with-significant-control | Change to a person with significant control |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.