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Business & Enterprise Finance Ltd.

01792109

active
PRI/LTD BY GUAR/NSC (Private, limited by guarantee, no share capital)
england wales
Companies House
Health Score
65 / 100

Some Concerns

25/30
Filing
10/30
Financial
30/40
Risk
  • No accounts filed in last 18 months (-5)
  • Current liabilities exceed current assets (-10)
  • 8 outstanding charges (-10)

Details

CITY HUB 9- 11 PECKOVER STREET, BRADFORD, BD1 5BD
Incorporated 15/02/1984

Compliance

Last accounts

31/03/2025

small

Next accounts due

31/12/2026

On track

Confirmation statement

Last: 02/10/2025

Due 16/10/2026

On track

Industry

64929
64929

Officers

Mr. Stephen Arthur Waud

director · Since 23/11/2006

FUND DIRECTOR

BRITISH · ENGLAND · Age 58

Also on 9 other boards

Mr Timothy Grant Hamilton

director · Since 13/12/2021

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 64

Mr Laurence John Beardmore

director · Since 06/06/2022

COMPANY DIRECTOR

BRITISH · UNITED KINGDOM · Age 61

Mr James Matthew Mason

director · Since 17/06/2022

DIRECTOR

BRITISH · ENGLAND · Age 48

Also on 13 other boards

Mr. Simon Mark Jackson

director · Since 12/09/2022

HEAD OF INVESTMENT

BRITISH · ENGLAND · Age 60

Also on 8 other boards

Miss Alexandra Beardsley

director · Since 08/02/2023

DIRECTOR

BRITISH · ENGLAND · Age 41

Also on 3 other boards

Mrs Penelope Jane Bradley Hembrow

director · Since 01/07/2023

DIRECTOR

BRITISH · UNITED KINGDOM · Age 63

Also on 1 other board

Ms Katie Rosanne Hurrell

director · Since 01/07/2023

DIRECTOR

BRITISH · ENGLAND · Age 45

Persons with Significant Control

Former PSCs

West & North Yorkshire Chamber Of Commerce

Ceased 09/08/2016

Charges8 outstanding

Charge
outstanding

LLOYDS BANK PLC

Created 10/04/2026Registered 16/04/2026
Charge
outstanding

COMMUNITY INVESTMENT FACILITY 2 LIMITED

Created 10/04/2026Registered 14/04/2026
Charge
outstanding

COMMUNITY INVESTMENT FACILITY 2 LIMITED

Created 26/02/2024Registered 08/03/2024
Charge
outstanding

LLOYDS BANK PLC

Created 26/02/2024Registered 01/03/2024
Charge
outstanding

UNITY TRUST BANK PLC

Created 09/04/2020Registered 17/04/2020
Charge
outstanding

COMMUNITY INVESTMENT FACILITY LIMITED

Created 05/03/2019Registered 05/03/2019
Charge
outstanding

UNITY TRUST BANK PLC

Created 06/11/2017Registered 08/11/2017
Charge
outstanding

UNITY TRUST BANK PLC

Created 18/10/2017Registered 19/10/2017
charge
satisfied

CITY OF BRADFORD METROPOLITAN DISTRICT COUNCIL

Created 23/03/2011Registered 26/03/2011Satisfied 18/05/2021

CompanyRankvs 15+ SIC 64929 peers
79

Financial strength94th percentile among SIC peers · 24/25
Employees98th percentile among SIC peers · 15/15
LiquidityCurrent ratio 20.56× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength24/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees15/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity20/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity15/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Risk deductions

Outstanding charges: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Key FinancialsYear ending 31/03/2023

Net Worth

£9.5M

Balance sheet strength

Cash

£3.5M

Cash in the bank

Net Current Assets

£10.3M

Working capital

Current Assets

£10.8M

Current Liabilities

£527k

Fixed Assets

£936k

Debtors

£5.1M

Profit After Tax

£39k

28avg. employees

Balance Sheet

Intangible assets£73k
Assets less current liabilities£11.3M
Prepared with CCH Software

EstimatesDerived

YearCurrent Ratio
202320.56

Derived from filed accounts. Not audited figures.