Humble Expert Consultancy Limited
HUMBLE EXPERT CONSULTANCY LIMITED·Company no. 12736278·United Kingdom
The Firmwatch take
Humble Expert Consultancy Limited is a 5-year-old finance and insurance, active on the Companies House register. The latest filed accounts (year to 31 July 2025) show -GBP 4k in net assets, with 1 distress signal extracted from the filing (negative net assets). No insolvency or strike-off filings appear in our public Companies House and Gazette data.
Refreshed 24 May 2026
Incorporated
13 July 2020
5 years on the register
Sector
Other activities auxiliary to insurance
SIC 66290
Size
Not classified
Net assets
−£4k
Bottom 10% in sector
Cash at bank
Not disclosed
Not required for this filing type
Latest filing
None yet
Insolvency risk
High insolvency risk
The latest public accounts show multiple stress signals. Treat this as a prompt for deeper checks, not as a formal insolvency prediction.
Negative net assets
Visible liabilities exceed visible assets in the extracted accounts.
Negative working capital
Short-term liabilities are higher than short-term assets in the public balance sheet.
Weak current ratio
Current assets are less than 75% of current liabilities.
Money
What the balance sheet says
Net assets
−£4k
Bottom 10% in sector · sector median £2k · 22,435 filers in this sector
Cash
Not disclosed
Working cap.
−£4k
Median £8k
Current ratio
0.5×
Median 1.5×
Signals · 3
Negative net assets
The latest filed accounts show liabilities exceeding assets.
Negative working capital
Current liabilities exceed current assets in the extracted accounts.
Current ratio below 1.0
Current assets are lower than current liabilities in the extracted accounts.
Sector benchmark · Finance and Insurance
How this company compares in 22,435 filers in this sector
Bottom 10% in sector — Humble Expert Consultancy Limited shows −£4k in net assets. Sector median is £2k.
Sector medians are computed annually across all UK companies in this broad sector. Position is approximate — see the Money tab for the full balance sheet.
Address pattern · B74 2UG
280 other UK companies registered at this postcode.
Active
258
Dissolved
7
Strike-off action
12
People
Who runs this company
- HC
HUMPHREYS, Craig John
director · since 2021
Registered office
Address intelligence
280 other companies use this address.
High-volume registered-office service. Many UK companies use these legitimately, but they are also a known hosting location for shell entities. Treat this as a flag, not a verdict.
Firmwatch turns UK Companies House filings into plain-English company intelligence. Data is refreshed daily; signals are generated from public balance-sheet and filing patterns.