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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 57

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 62

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
satisfied

COMMUNITY INVESTMENT FACILITY LIMITED

Created 13/11/2018Registered 27/11/2018Satisfied 18/02/2020
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

UNITY TRUST BANK PLC

Created 29/04/2016Registered 04/05/2016Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 04/02/2016Registered 06/02/2016Satisfied 01/08/2017
Charge
satisfied

THE EUROPEAN INVESTMENT FUND (ACTING ON BEHALF OF EU MICROFINANCE PLATFORM FCP-FIS EUROPEAN PR

Created 17/12/2015Registered 17/12/2015Satisfied 29/10/2019
Charge
satisfied

UNITY TRUST BANK PLC

Created 12/11/2015Registered 13/11/2015Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 14/10/2015Registered 16/10/2015Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 09/07/2015Registered 11/07/2015Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 05/06/2015Registered 06/06/2015Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 21/04/2015Registered 22/04/2015Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 12/03/2015Registered 13/03/2015Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 25/02/2015Registered 27/02/2015Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 12/01/2015Registered 13/01/2015Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 11/12/2014Registered 12/12/2014Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 17/11/2014Registered 27/11/2014Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 21/10/2014Registered 22/10/2014Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 22/09/2014Registered 23/09/2014Satisfied 01/08/2017
Charge
satisfied

THE BRADFORD ENTERPRISE AGENCY T/A BUSINESS ENTERPRISE FUND

Created 08/09/2014Registered 08/09/2014Satisfied 30/09/2014
Charge
satisfied

UNITY TRUST BANK PLC

Created 22/08/2014Registered 22/08/2014Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 16/07/2014Registered 17/07/2014Satisfied 01/08/2017
Charge
satisfied

THE EUROPEAN INVESTMENT FUND (ACTING ON BEHALF OF EU MICROFINANCE PLATFORM FCP-FIS - EUROPEAN P

Created 30/06/2014Registered 01/07/2014Satisfied 29/10/2019
Charge
satisfied

UNITY TRUST BANK PLC

Created 17/06/2014Registered 18/06/2014Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 15/05/2014Registered 17/05/2014Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 15/04/2014Registered 16/04/2014Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 14/03/2014Registered 15/03/2014Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 25/02/2014Registered 26/02/2014Satisfied 01/08/2017
Charge
satisfied

LLOYDS BANK PLC

Created 18/02/2014Registered 21/02/2014Satisfied 25/09/2019
Charge
satisfied

UNITY TRUST BANK PLC

Created 22/01/2014Registered 23/01/2014Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 14/11/2013Registered 28/11/2013Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 14/11/2013Registered 18/11/2013Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 02/10/2013Registered 03/10/2013Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 11/09/2013Registered 18/09/2013Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 12/08/2013Registered 14/08/2013Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK LIMITED

Created 10/07/2013Registered 18/07/2013Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 24/06/2013Registered 25/06/2013Satisfied 01/08/2017
Charge
satisfied

UNITY TRUST BANK PLC

Created 14/05/2013Registered 15/05/2013Satisfied 01/08/2017
charge
satisfied

UNITY TRUST BANK PLC

Created 14/02/2013Registered 16/02/2013Satisfied 01/08/2017
charge
satisfied

UNITY TRUST BANK PLC

Created 14/02/2013Registered 16/02/2013Satisfied 01/08/2017
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+1

Balance Sheet

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

EstimatesDerived

YearCurrent RatioImplied Profit
202320.56+£1.4M
202211.44+£1.1M
20214.59-£556k
20205.82—

Derived from filed accounts. Not audited figures.