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Fpc Financial Services Limited

02102893

active
Private Limited Company
england wales
Companies House
Health Score
78 / 100

Some Concerns

30/30
Filing
10/30
Financial
38/40
Risk
  • Current liabilities exceed current assets (-10)
  • 1 outstanding charge (-2)

Details

88 GREENDALE ROAD, WIRRAL, CH62 4XD
Incorporated 24/02/1987

Compliance

Last accounts

31/05/2025

total exemption full

Next accounts due

28/02/2027

On track

Confirmation statement

Last: 21/08/2025

Due 04/09/2026

On track

Industry

65110
Life insurance

Officers

Mr David Charles Bowler

director · Since 12/10/1991

INSURANCE CONSULTANT

BRITISH · ENGLAND · Age 72

Also on 6 other boards

Mrs Barbara Ann Bowler

secretary · Since 31/05/2001

BRITISH · ENGLAND · Age 73

Also on 1 other board

Persons with Significant Control

Mr David Charles Bowler

25–50% shares
25–50% votes
Appoint directors

British · England · Age 72

39 Knowle Avenue, Southport, PR8 2PB

Notified 06/04/2016

Mrs Barbara Ann Bowler

25–50% shares
25–50% votes
Appoint directors

British · England · Age 73

39 Knowle Avenue, Southport, PR8 2PB

Notified 06/04/2016

Charges1 outstanding

Charge
outstanding

THE CO-OPERATIVE BANK P.L.C.

Created 27/05/2021Registered 08/06/2021
Charge
satisfied

THE ROYAL BANK OF SCOTLAND PLC

Created 16/03/2015Registered 24/03/2015Satisfied 08/11/2022
charge
satisfied

THE ROYAL BANK OF SCOTLAND PLC

Created 05/03/2013Registered 13/03/2013Satisfied 08/11/2022
charge
satisfied

NORWICH UNION MORTGAGE FINANCE LIMITED

Created 17/03/1995Registered 10/09/2004Satisfied 08/11/2022
charge
satisfied

THE ROYAL BANK OF SCOTLAND PLC

Created 30/03/2000Registered 04/04/2000Satisfied 29/02/2012

CompanyRankvs 340+ SIC 65110 peers
78

Financial strength99th percentile among SIC peers · 25/25
Employees85th percentile among SIC peers · 13/15
LiquidityCurrent ratio 3.96× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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34Fpc Financial Services Limited
88
How is this score calculated?
Financial strength25/25 pts

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

Employees13/15 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 31/05/2025

Net Worth

£3.3M

Balance sheet strength

Cash

£775k

Cash in the bank

Net Current Assets

£1.8M

Working capital

Current Assets

£2.5M

Current Liabilities

£624k

Fixed Assets

£1.5M

Debtors

£1.7M

6avg. employees

Tax at Year End(2021)

Corp tax£52k

Balance Sheet

Assets less current liabilities£3.3M
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20253.96+£0
20253.96-£151k
20244.06+£149k
20234.95+£263k
20225.33+£381k
202125.29+£225k
202017.54+£248k
20198.90+£93k
20189.04—

Derived from filed accounts. Not audited figures.