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Business & Personal Investment Limited

03852280

active
Private Limited Company
england wales
Companies House
Health Score
84 / 100

Healthy

30/30
Filing
20/30
Financial
34/40
Risk
  • 3 outstanding charges (-6)

Details

BPI HOUSE BOURNE END BUSINESS PARK, BOURNE END, SL8 5AS
Incorporated 01/10/1999

Compliance

Last accounts

31/10/2025

total exemption full

Next accounts due

31/07/2027

On track

Confirmation statement

Last: 25/09/2025

Due 09/10/2026

On track

Industry

64999
Other financial service activities
66190
Other activities auxiliary to financial services
66220
Activities of insurance agents and brokers

Officers

Suzan Kathryn Fulcher

secretary · Since 04/10/1999

SECRETARY

IRISH · Age 62

Also on 1 other board

Nigel Dennis Copperwheat

director · Since 21/03/2000

DIRECTOR

BRITISH · ENGLAND · Age 76

Also on 2 other boards

Mr Peter John Fulcher

director · Since 05/04/2005

SALES DIRECTOR

IRISH · UNITED KINGDOM · Age 62

Also on 3 other boards

Ms. Mandy Jane Veal

director · Since 07/01/2022

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 59

Persons with Significant Control

Mr Peter John Fulcher

50–75% shares
50–75% votes
Appoint directors

Irish · United Kingdom · Age 62

14, Westanley Avenue, Amersham, HP7 9AZ

Notified 01/01/2017

Mrs Suzan Kathryn Fulcher

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

Irish · England · Age 62

14, Westanley Avenue, Amersham, HP7 9AZ

Notified 01/01/2017

Charges3 outstanding

Charge
outstanding

LLOYDS BANK PLC

Created 12/02/2019Registered 12/02/2019
Charge
outstanding

LLOYDS BANK PLC

Created 01/08/2018Registered 01/08/2018
charge
outstanding

LLOYDS TSB BANK PLC

Created 05/05/2004Registered 12/05/2004

CompanyRankvs 458+ SIC 64999 peers
76

Financial strength89th percentile among SIC peers · 22/25
Employees95th percentile among SIC peers · 14/15
LiquidityCurrent ratio 3.06× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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458Business & Personal Investment Limited
86
How is this score calculated?
Financial strength22/25 pts

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

Employees14/15 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 31/10/2025

Net Worth

£396k

Balance sheet strength

Cash

£93k

Cash in the bank

Net Current Assets

£396k

Working capital

Current Assets

£588k

Current Liabilities

£192k

Fixed Assets

£19k

Debtors

£495k

9avg. employees

Tax at Year End

Corp tax£157k

Balance Sheet

Assets less current liabilities£415k
Prepared with Sage Accounts Production Advanced 2023 - FRS102_2023

EstimatesDerived

YearCurrent RatioImplied Profit
20253.06+£70k
20243.18+£9k
20233.72—

Derived from filed accounts. Not audited figures.