{
  "profile": {
    "id": "audit_5ga6ly",
    "generatedAt": "2026-08-21T14:56:51.035Z",
    "input": {
      "kind": "company_name",
      "value": "Northgate Advisory Ltd"
    },
    "company": {
      "companyNumber": {
        "value": "13204877",
        "source": "companies_house",
        "confidence": "high"
      },
      "companyName": {
        "value": "Northgate Advisory Ltd",
        "source": "companies_house",
        "confidence": "high"
      },
      "companyStatus": {
        "value": "active",
        "source": "companies_house",
        "confidence": "high"
      },
      "incorporatedOn": {
        "value": "2021-02-11",
        "source": "companies_house",
        "confidence": "high"
      },
      "yearsTrading": {
        "value": 5,
        "source": "companies_house",
        "confidence": "high",
        "evidence": "Incorporated 2021-02-11"
      },
      "sicCodes": {
        "value": [
          "82990"
        ],
        "source": "companies_house",
        "confidence": "high",
        "evidence": "82990"
      },
      "registeredAddress": {
        "value": "2nd Floor, 18 Mosley Street, Manchester",
        "source": "companies_house",
        "confidence": "high"
      },
      "postcode": {
        "value": "M2 3AQ",
        "source": "companies_house",
        "confidence": "high"
      },
      "officers": {
        "value": [
          {
            "name": "OKONKWO, Adaeze",
            "role": "director",
            "appointedOn": "2021-02-11",
            "yearsInRole": 5
          },
          {
            "name": "HARDING, Tom",
            "role": "director",
            "appointedOn": "2022-06-01",
            "yearsInRole": 4
          }
        ],
        "source": "companies_house",
        "confidence": "high",
        "evidence": "2 active"
      },
      "filedFixedAssets": null,
      "legalForm": {
        "value": "limited_company",
        "source": "companies_house",
        "confidence": "high"
      }
    },
    "trade": {
      "primary": {
        "value": "consultant",
        "source": "website",
        "confidence": "medium",
        "evidence": "Filed SIC code 82990 carries no trade information; classified from the website instead."
      },
      "secondary": null,
      "activities": {
        "value": [
          "Our consultants are experts in change delivery and have led programmes for clients",
          "We advise on operational strategy, business transformation and post-acquisition"
        ],
        "source": "website",
        "confidence": "medium"
      }
    },
    "operations": {
      "locationTypes": {
        "value": [
          "commercial"
        ],
        "source": "website",
        "confidence": "medium"
      },
      "workType": {
        "value": "not_construction",
        "source": "website",
        "confidence": "medium"
      },
      "heightWork": null,
      "hotWork": null,
      "premisesCount": null,
      "serviceArea": null
    },
    "people": {
      "employees": {
        "value": 1,
        "source": "transactions",
        "confidence": "low",
        "evidence": "wages running at about £104,760 a year over 12 months"
      },
      "directors": {
        "value": 2,
        "source": "companies_house",
        "confidence": "high",
        "evidence": "2 active officers filed"
      },
      "clericalOnlyDirectors": null,
      "labourOnlySubcontractors": {
        "value": true,
        "source": "transactions",
        "confidence": "high",
        "evidence": "CIS or subcontractor payments totalling about £50,400"
      },
      "bonaFideSubcontractors": null,
      "directorExperienceYears": {
        "value": 5,
        "source": "companies_house",
        "confidence": "low",
        "evidence": "Years since appointment at this company only, so this is a floor rather than total industry experience"
      }
    },
    "assets": {
      "items": [
        {
          "id": "txn-1",
          "description": "IT equipment from Apple UK Macbook PRO",
          "category": "it_equipment",
          "purchasePrice": 2400,
          "purchasedOn": "2026-03-02",
          "replacementValue": 2400,
          "serialNumber": null,
          "source": "transactions",
          "evidence": "2026-03-02 · APPLE UK MACBOOK PRO · £2400.00"
        },
        {
          "id": "txn-2",
          "description": "IT equipment from Dell UK Latitude X2",
          "category": "it_equipment",
          "purchasePrice": 1890,
          "purchasedOn": "2025-08-18",
          "replacementValue": 1890,
          "serialNumber": null,
          "source": "transactions",
          "evidence": "2025-08-18 · DELL UK LATITUDE X2 · £1890.00"
        }
      ],
      "toolsTotal": null,
      "plantTotal": null,
      "vehicleCount": null,
      "vehicleSignalOnly": null
    },
    "financials": {
      "turnoverBand": {
        "value": "500k_1m",
        "source": "transactions",
        "confidence": "high",
        "evidence": "Inflows of about £610,704 a year, from 12 months of invoice payments"
      },
      "annualPayroll": {
        "value": 104760,
        "source": "transactions",
        "confidence": "high",
        "evidence": "Run rate from 12 months of payroll"
      },
      "subcontractorSpend": {
        "value": 50400,
        "source": "transactions",
        "confidence": "high"
      }
    },
    "sourcesUsed": [
      {
        "source": "companies_house",
        "ok": true,
        "detail": "Northgate Advisory Ltd (13204877), SIC 82990",
        "ms": 0
      },
      {
        "source": "website",
        "ok": true,
        "detail": "Reads as consultant (high confidence)",
        "ms": 0
      },
      {
        "source": "transactions",
        "ok": true,
        "detail": "98 rows over 12 months. payroll £104,760/yr, 2 asset purchases, subcontractors £50,400/yr, insurer seen: AXA",
        "ms": 0
      }
    ]
  },
  "needs": [
    {
      "product": "employers_liability",
      "productName": "Employers' Liability",
      "basis": "legal",
      "level": "£10,000,000",
      "sumInsured": null,
      "statement": "Wages are going out of the ledger, so at least one person is employed. A ledger cannot show how many, so the headcount still needs confirming. The Employers' Liability (Compulsory Insurance) Act 1969 makes cover a duty from the first employee and sets the floor at £5,000,000. Most policies are written at £10,000,000.",
      "triggeredBy": [
        "people.employees",
        "people.labourOnlySubcontractors"
      ],
      "confidence": "low",
      "needsConfirmation": true
    },
    {
      "product": "public_liability",
      "productName": "Public Liability",
      "basis": "exposure",
      "level": "£5,000,000",
      "sumInsured": null,
      "statement": "Covers the cost when the work injures somebody else or damages their property. Set at £5,000,000 because commercial sites normally require it in the contract; turnover this size comes with bigger jobs.",
      "triggeredBy": [
        "trade.primary",
        "operations.locationTypes",
        "financials.turnoverBand"
      ],
      "confidence": "medium",
      "needsConfirmation": true
    },
    {
      "product": "professional_indemnity",
      "productName": "Professional Indemnity",
      "basis": "exposure",
      "level": "£2,000,000",
      "sumInsured": null,
      "statement": "Covers the cost when advice, a design or a piece of professional work loses a client money and they come after it. The level is sized to the contracts this business is likely to be signing.",
      "triggeredBy": [
        "trade.primary",
        "financials.turnoverBand"
      ],
      "confidence": "medium",
      "needsConfirmation": true
    },
    {
      "product": "legal_expenses",
      "productName": "Legal Expenses",
      "basis": "recommended",
      "level": null,
      "sumInsured": null,
      "statement": "Covers the legal bill when there is a dispute. Once there are staff there can be an employment tribunal, which is the most common legal expenses claim at this size of business.",
      "triggeredBy": [
        "people.employees"
      ],
      "confidence": "medium",
      "needsConfirmation": true
    }
  ],
  "gaps": [
    {
      "kind": "missing_cover",
      "product": "public_liability",
      "severity": "attention",
      "statement": "No Public Liability recorded",
      "detail": "Covers the cost when the work injures somebody else or damages their property. Set at £5,000,000 because commercial sites normally require it in the contract; turnover this size comes with bigger jobs."
    },
    {
      "kind": "low_limit",
      "product": "professional_indemnity",
      "severity": "attention",
      "statement": "Professional Indemnity is held at £1,000,000 against an indicated £2,000,000",
      "detail": "A liability limit pays in full up to the limit and nothing above it, so this is not a proportional shortfall like an under-set sum insured. It is the point at which a large claim stops being covered, and the limit was last set in March 2024."
    },
    {
      "kind": "missing_cover",
      "product": "legal_expenses",
      "severity": "good",
      "statement": "No Legal Expenses recorded",
      "detail": "Covers the legal bill when there is a dispute. Once there are staff there can be an employment tribunal, which is the most common legal expenses claim at this size of business."
    }
  ],
  "existing": [
    {
      "product": "professional_indemnity",
      "level": "£1,000,000",
      "sumInsured": null,
      "setOn": "2024-03-01"
    },
    {
      "product": "employers_liability",
      "level": "£10,000,000",
      "sumInsured": null,
      "setOn": "2022-07-01"
    }
  ],
  "price": {
    "monthlyLow": 85.81,
    "monthlyHigh": 134.23,
    "annualLow": 1029.72,
    "annualHigh": 1610.76,
    "basis": "Anchored on Admiral Business's published Public Liability rate of £6.07 a month (single carpenter, £1,000,000 cover, as at 22 April 2026). Employers' Liability: 1 employee at £5 for the first and £3.5 thereafter, × 1.00 trade risk. Public Liability: £6.07 anchor × 0.7 trade risk × 1.6 cover level × 3.8 turnover. Professional Indemnity: £13.5 at £250,000 × 2.8 cover level × 1.95 turnover (dampened). Legal Expenses: flat £5.5. Band is ±22%.",
    "perProduct": [
      {
        "product": "employers_liability",
        "monthlyLow": 3.9,
        "monthlyHigh": 6.1
      },
      {
        "product": "public_liability",
        "monthlyLow": 20.15,
        "monthlyHigh": 31.52
      },
      {
        "product": "professional_indemnity",
        "monthlyLow": 57.47,
        "monthlyHigh": 89.9
      },
      {
        "product": "legal_expenses",
        "monthlyLow": 4.29,
        "monthlyHigh": 6.71
      }
    ]
  },
  "confirmations": [
    {
      "path": "trade.primary",
      "question": "Is this the right description of what the business does?",
      "found": "Consultant",
      "source": "website",
      "confidence": "medium",
      "affects": [
        "public_liability",
        "professional_indemnity",
        "contract_works",
        "tools_materials"
      ]
    },
    {
      "path": "people.employees",
      "question": "How many people does the business employ, excluding directors and partners?",
      "found": "At least 1, from wages running at about £104,760 a year over 12 months",
      "source": "transactions",
      "confidence": "low",
      "affects": [
        "employers_liability",
        "legal_expenses"
      ]
    }
  ],
  "missingWebsite": null,
  "webIdentifiers": {
    "url": "https://northgateadvisory.example.co.uk",
    "vatNumber": null,
    "termsUrls": []
  },
  "disclaimer": "Illustrative only. This is a statement of demands and needs based on public records and information you confirm, not a personal recommendation or a quote. Prices are banded estimates derived from published rates and are not an offer of cover."
}