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Business & Personal Investment Limited

03852280

active
Private Limited Company
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

Accounts

Up to date

Confirmation statement

Up to date

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 473+ 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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473Business & 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-£56k
20224.18+£152k
20212.97+£126k
20202.65—

Derived from filed accounts. Not audited figures.