These are the things the engine worked out rather than was told, and each one changes an answer further up. Answering one turns it from something read off a ledger into something the customer has said, which is what stops cover being sold against a wrong guess. Every card says what it changes.
Nobody typed any of this in. Every number above came out of one of these reads, and every fact carries where it came from and how sure the engine is about it.
Also reads as: Consultant, Project manager
Filed SIC code 74100 and the website agree.
£166 to £260 a year across 2 products. A band, not a quote.
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). Public Liability: £6.07 anchor × 0.7 trade risk × 1 cover level × 1 turnover. Professional Indemnity: £13.5 at £250,000 × 1 cover level × 1 turnover (dampened). Band is ±22%.
A CSV exported from a bank or an accounts package. It is read in the request that carried it and thrown away when that request ends, and the file itself is never written down. The engine says what it made of the columns before it uses any of it, and anything the file cannot settle for itself is asked rather than assumed.
Choose the second option for an expenses sheet, where every amount is positive and nothing in the file says which way the money went. No export to hand? Take a sample, which is a fictional trade's year.
Everything in this movement is public, was read without anybody's permission, and is what somebody filed rather than what is true today. A set of small company accounts describes a year that ended before it was sent in, and the register publishes it months after that, so every figure below carries the date it describes and the day it arrived. The register can say who has an exposure. It cannot say who lacks cover: a filed balance sheet has never had a line for insurance in it, so an absence here is an absence of a field and not evidence about anybody.
| Line | Filed | What it is |
|---|---|---|
| Employees, average over the year | 18 | A headcount and not a sum. The one figure here that decides a legal duty |
| Current assets | £1,683,924 | Everything expected to turn into cash inside a year |
| Cash at bank | £1,492,074 | At the balance-sheet date, which is one day of the year |
| Debtors | £191,850 | Negative where the note nets a VAT liability into it |
| Owed within one year | £1,176,653 | Creditors falling due inside twelve months |
| Owed after one year | £31,164 | Usually a director loan or a term facility |
| Net assets | £476,107 | What was held over what was owed |
Read straight out of the inline XBRL of the document filed on 23 Sept 2026, 85 tagged facts in it. net assets of £476,107 against total equity of £476,107, which agree.
17 import declarations, the latest in 1 April 2026; 2 export declarations, the latest in 1 June 2024. Goods crossing a border bring exposures that neither a balance sheet nor a bank statement shows: goods in transit, marine cargo, and product liability on imported goods, which falls on the importer. This is a name and postcode match and not an identity: HMRC's registry publishes no company number, so a business sharing a building with a similarly named trader would match it. The registry entry reads "THE DESIGN STUDIO LTD".
As at 1 Apr 2026, so 6 months old.
An average of 18 employees. The PSC register shows 3 people with significant control, so the single owner-employee exemption does not apply. 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. That is the average over the year to 31 December 2025, filed on 23 September 2026. The register does not say what is true today.
As at 31 Dec 2025, so 9 months old. Filed on 23 Sept 2026.
What the business held over what it owed at the balance-sheet date. Current assets of £1,683,924 against £1,176,653 falling due within the year, which is 1.43 times cover. As at 31 December 2025, filed 23 September 2026.
As at 31 Dec 2025, so 9 months old. Filed on 23 Sept 2026.
The exposures that usually go with that trade are advice that a client can rely on. A SIC code is self-selected on the incorporation form and never audited, so it is evidence of a declaration rather than of a trade. Set at incorporation on 17 February 2015.
As at 17 Feb 2015, so 11.6 years old.
72 Borough High Street, London, SE1 1XF is a registered office, and an accountancy practice is usually the registered office of its own clients. What files there is public and comes back in four requests, and reading what each of their own accounts filed is a job that can be started from that page and comes back later.
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.