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: Courier
Classified from the website; no matching SIC code.
£163 to £255 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 × 0.65 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 | 10 | A headcount and not a sum. The one figure here that decides a legal duty |
| Fixed assets | £10,983 | Book value after depreciation, not replacement cost |
| Current assets | £217,935 | Everything expected to turn into cash inside a year |
| Net assets | -£304,926 | What was held over what was owed |
Read straight out of the inline XBRL of the document filed on 30 Jun 2026, 53 tagged facts in it. £10,983 of fixed assets plus -£315,909 of net current assets less £0 owed after a year comes to -£304,926, against -£304,926 of net assets on the face of it; net assets of -£304,926 against total equity of -£304,926, which agree.
PASSION CAPITAL IV (CM) LIMITED, PASSION CAPITAL II (CM) LIMITED, PASSION CAPITAL SELECT (FP) LLP, PASSION CAPITAL IV (FP) LLP, PASSION CAPITAL NOMINEES II LIMITED. Several entities under one person is where cover falls between policies: a policy written for one company does not answer a claim made against another, and the employee, the van and the contract are routinely in different ones. This is a finding a single-company view cannot make at all, and no accounting ledger contains it. Unlike the filed figures above, this one is current: an appointment has to be notified within fourteen days.
As at 10 Oct 2026, so today.
An average of 10 employees. The PSC register shows 2 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 30 September 2025, filed on 30 June 2026. The register does not say what is true today.
As at 30 Sept 2025, so 12 months old. Filed on 30 Jun 2026.
Fixed assets are carried at written-down book value, which is what the business paid less depreciation, and it is not what replacing them would cost. So this is a floor on the insurable footprint rather than a sum insured: it says there is something to insure and it does not say for how much. As at 30 September 2025, filed 30 June 2026.
As at 30 Sept 2025, so 12 months old. Filed on 30 Jun 2026.
The business owed more than it held at the balance-sheet date. That is ordinary for a company funded by its director's loan account and it is also what a distressed balance sheet looks like, and the register does not say which this is. As at 30 September 2025, filed 30 June 2026.
As at 30 Sept 2025, so 12 months old. Filed on 30 Jun 2026.
A SIC code is self-selected on the incorporation form and never audited, and this one is a formation-agent default or a catch-all. It is evidence of a declaration rather than of a trade. Filed at incorporation on 12 September 2019 and not necessarily touched since.
As at 12 Sept 2019, so 7.1 years old.
Every company BENNETT, Gregory James is currently appointed to. A ledger shows one company; this is the only source that shows the others, and it is where cover falls between policies.
| Company | Number | Filed as | Status |
|---|---|---|---|
| PASSION CAPITAL IV (CM) LIMITED | 17460738 | a SIC code that says nothing | active |
| PASSION CAPITAL II (CM) LIMITED | 11710451 | a SIC code that says nothing | active |
| PASSION CAPITAL SELECT (FP) LLP | OC453753 | a SIC code that says nothing | active |
| PASSION CAPITAL IV (FP) LLP | OC451325 | a SIC code that says nothing | active |
| PASSION CAPITAL NOMINEES II LIMITED | 15546005 | a SIC code that says nothing | active |
20-22 Wenlock Road, London, N1 7GU 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.