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Company Details

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Company Name BFSL LIMITED
Registered Number 02706280
Registered Office FUSION HOUSE KATHARINE WAY
BRETTON
PETERBOROUGH
PE3 8BG
 
Trading Address Fusion House
Katharine Way
Bretton
PETERBOROUGH
PE3 8BG
 
Website Address https://budgetinsurance.com
Incorporation Date 13 Apr 1992
Company Status Active
Company Type Private limited with Share Capital
Accounts Filing Date 18 Mar 2022
Principal Activity The provision of credit relating to financial services.
Other Activities Other financial intermediation - SIC03 code 6523
Activities of financial services holding companies - SIC07 code 64205
Other Key Dates Date of Last Annual Return to Registry:
  Accounting Reference Date: 30 Jun 2021

Risk Summary

Credit Rating & Credit Limit Checkaco Credit ratings are given in conjunction with a credit guide figure and are a summary opinion on the risk level (i.e. risk of default) associated with your enquiry subject:- A = Very low risk, B = Low risk, C = Moderate risk, D = High risk, E = No rating - could be set because the company is passive (i.e. not filing accounts). See guide for more info.
* Local credit score, as used by the supplier in the UK, ranging from 1 to 100.
** Augur Score is an empirically-derived commercial credit score ranging from 0 to 600. Predicts the likelihood of business failure within the next 12 months.
Most Recent Rating A Provider Score * 96 Augur Score ** 600 Monthly Limit £3,150,000.00 Contract Limit £15,500,000.00
The credit limit is calculated using a formula that analyses information from a company's financial accounts and payment record. The credit limit is a recommendation of the total amount of credit that should be outstanding at any one time.

Public Info - County Court Judgments, Scottish Decrees etc

Summary of CCJ's/Scottish Decrees - In England and Wales, county court judgements are legal decisions handed down by county courts. Judgements for monetary sums are entered on the Register of County Court Judgments. If a company settles a CCJ within 30 days, the Registry Trust strikes it off and the record will no longer be visible.
Mortgages / Charges More details from Companies House
Other Filings - Companies House Time-Critical Documents
Event Date
Mr M.O. Donaldson has left the board 13 Apr 2023
Mr P. Thompson has left the board 14 Mar 2023
Change in Reg.Office 11 Jan 2023
Change of Company Postcode 11 Jan 2023
New Board Member Mr M.O. Donaldson appointed 14 Dec 2022
Confirmation Statement 03 Oct 2022
Mr M.R. Regan has left the board 23 Jun 2022
New Board Member Mr K.R. Spencer appointed 23 Jun 2022
New Board Member Mr M.O. Donaldson appointed 16 May 2022
New Board Member Mr C.T. Collings appointed 16 May 2022
More
History
Event 1 20/12/2002: Change of name from BUDGET FINANCIAL SERVICES LIMITED
Event 1 06/07/2000: Change of name from OFFICEMARKET LIMITED
Xseption (recorded when unusual patterns of behaviour or financial results have been identified)
None Recorded

Group Structure


Ultimate Parent
Name MARKERSTUDY LIMITED
Address 45 WESTERHAM ROAD, BESSELS GREEN, SEVENOAKS, KENT, TN13 2QB
Registration Id 11711583
 

Parent
Name BISL LIMITED
Address FUSION HOUSE KATHARINE WAY, BRETTON, PETERBOROUGH, PE3 8BG
Registration Id 03231094
 

Known Directors

Name Mr Kevin Ronald Spencer
Address Fusion House Katharine Way, Bretton, Peterborough, PE3 8BG
Date of Appointment (appointed 18 Jun 2022)
Other Directorships
  CLEGG GIFFORD & CO LIMITED (02838391 - Active - Accounts Filed)
  BISL LIMITED (03231094 - Active - Accounts Filed)
  ACM ULR LIMITED (03832599 - Active - Accounts Filed)
  BRIGHTSIDE GROUP LIMITED (05941335 - Active - Accounts Filed)
  LUSTRUM INVESTMENTS LIMITED (13197089 - Active - Accounts Filed)
  ZENITH AIRCRAFT LIMITED (10253224 - Active - Accounts Filed)
  ZENITH AVIATION LIMITED (07395401 - Active - Accounts Filed)
  BRIGHTSIDE INSURANCE SERVICES LIMITED (04137311 - Active - Accounts Filed)
  INTAA LIMITED (10655399 - Active - Accounts Filed)
  MARKERSTUDY GROUP LIMITED (13074067 - Active - Accounts Filed)
  MARKERSTUDY GROUP HOLDINGS LIMITED (13073792 - Active - Accounts Filed)
  MARKERSTUDY LIMITED (11711583 - Active - Accounts Filed)
  MARKERSTUDY (AFFINITY) HOLDINGS LIMITED (11711544 - Active - Accounts Filed)
  MARKERSTUDY (INVESTMENTS) LIMITED (12316135 - Active - Accounts Filed)
  VS 403 LIMITED (10001491 - Active - Accounts Filed)
  VS 602 LIMITED (10001397 - Active - Accounts Filed)
  VS 109 LIMITED (10001460 - Active - Accounts Filed)
  VS 203 LIMITED (10001583 - Active - Accounts Filed)
  BEWL EVENTS & WATERPARK LIMITED (09794513 - Active - Accounts Filed)
  KGK INVESTMENTS LIMITED (12787088 - Active - Accounts Filed)
  JET AIRCRAFT LIMITED (08642505 - Active - Accounts Filed)
  SALOMONS UK LIMITED (08501898 - Active - Accounts Filed)
  SQIB LIMITED (08528951 - Active - Accounts Filed)
  ZENITH CHESTER LIMITED (08007415 - Active - Accounts Filed)
  ONE WARWICK PARK LIMITED (06197768 - Active - Accounts Filed)
  ARMATIRE LIMITED (09940284 - Active - Accounts Filed)
  ZENITH FREEHOLDS (WHITSTABLE) LIMITED (03779856 - Active - Accounts Filed)
  VISION VEHICLE SOLUTIONS LIMITED (03019250 - Active - Accounts Filed)
  VISIONTRACK LIMITED (03350417 - Active - Accounts Filed)
  JEENSBANNET INVESTMENTS LIMITED (00802189 - Active - Accounts Filed)
  BISHOPS INVESTMENTS LIMITED (05933392 - Active - Accounts Filed)
  BISHOPS U.K. LIMITED (05002176 - Active - Accounts Filed)
  MARKERSTUDY DIRECT LIMITED (03228539 - Active - Accounts Filed)
  CONNECT CENTRE LIMITED (08959805 - Active - Accounts Filed)
  55VS NO 2 LIMITED (08773993 - Active - Accounts Filed)
  55VS NO 1 LIMITED (08773515 - Active - Accounts Filed)
  INSURANCE FACTORY LIMITED (02982445 - Active - Accounts Filed)
  AUTO WINDSCREENS SERVICES LIMITED (07518924 - Active - Accounts Filed)
  FLANSTEAD LIMITED (06461988 - Active - Accounts Filed)
  ONE MEDIA AND CREATIVE UK LIMITED (05398960 - Active - Accounts Filed)
  SHEESH FINANCE LLP (OC442075 - Active - Newly Incorporated)
  MAYMORN LIMITED (13024305 - Company is dissolved)
  DRIVOLOGY HOLDINGS LIMITED (08534874 - Company is dissolved)
  GO KART RACING LIMITED (10329684 - Company is dissolved)
  ZENITH LANCASTER HOUSE LIMITED (11034265 - Company is dissolved)
  ARMETIR LIMITED (09938447 - Company is dissolved)
  THE POLICY SHOP INSURANCE SERVICES LIMITED (04398937 - Company is dissolved)
  ULTIMATE HC LIMITED (07440046 - Company is dissolved)
  LIONHEART INSURANCE SERVICES LTD (06852775 - Company is dissolved)
  AUTOWINDSHIELDS (UK) LIMITED (04617364 - Company is dissolved)
  BPIC LIMITED (05029609 - Company is dissolved)
  FATHER CHRISTMAS WORLD LIMITED (08853296 - Company is dissolved)
  SURETERM DIRECT LIMITED (03671264 - Company is dissolved)
  TUBBS HILL HOUSING LIMITED (08704214 - Company is dissolved)
  MS SPV LIMITED (08665426 - Company is dissolved)
  KHJR LIMITED (08377353 - Company is dissolved)
  BALSPEN LIMITED (08346049 - Company is dissolved)
  AUTO-M8 SOLUTIONS LIMITED (07871134 - Company is dissolved)
  WESSEX INSURANCE FUNDING LIMITED (05127397 - Company is dissolved)
  CABS 2000 LIMITED (03703966 - Company is dissolved)
  GROUP OPTIMUM LIMITED (02452222 - Company is dissolved)
  WE TRADE IT LIMITED (07842391 - Company is dissolved)
  LINK UNDERWRITING AGENCY LIMITED (04227586 - Company is dissolved)
  DELTA UNDERWRITING AGENCY LIMITED (05762298 - Company is dissolved)
  SYNCHRONICITY INSURANCE SOLUTIONS LIMITED (06578801 - Company is dissolved)
  COUNTRY STILE LIMITED (04354903 - Company is dissolved)
  ASA FINANCE LIMITED (04713737 - Company is dissolved)
  INSURANCE SHOP LIMITED (05018911 - Company is dissolved)
  CHESTER SQUARE INVESTMENT COMPANY LIMITED (07921140 - Company is dissolved)
  EVOLUTION INSURANCE SERVICES LIMITED (04763335 - Company is dissolved)
  17-2-24 LIMITED (04312524 - Company is dissolved)
  ASA INSURANCE SERVICES LIMITED (03529297 - Company is dissolved)
  THAMES CITY INSURANCE CONSULTANTS LIMITED (00858248 - Company is dissolved)
  NDA GYMNASTICS LTD (07705871 - Company is dissolved)
  TCW INVESTMENTS LIMITED (04430120 - Company is dissolved)
  TELEMGA LIMITED (08690046 - Company is dissolved)
  INTEGRA CONSTRUCTION & MAINTENANCE LIMITED (09042009 - Company is dissolved)
  ZENITH INSURANCE MANAGEMENT UK LIMITED (05309111 - Company is dissolved)
  CATERERS CLUB LIMITED (05322488 - Company is dissolved)
  OLD ML LIMITED (03969511 - Company is dissolved)
  ASA BROKING LIMITED (03752700 - Company is dissolved)
  MARKERSTUDY HOLDINGS (UK) LIMITED (08659850 - Company not trading)
  INJURY QED LIMITED (06025278 - Non trading)
  55VS UL N2 LIMITED (08782585 - Non trading)
  55VS UL N1 LIMITED (08782524 - Non trading)
  55VS HL N1 LIMITED (08781764 - Non trading)
  55VS HL N2 LIMITED (08781758 - Non trading)
Previous Directorships
  BGL DIRECT LIFE LIMITED (07810405 - Active - Accounts Filed)
  WESTMINSTER FIRE STATION LIMITED (09797607 - Active - Accounts Filed)
  WFS 1 LIMITED (09796195 - Active - Accounts Filed)
  GOSWELL PROPERTIES LIMITED (06058025 - Active - Accounts Filed)
  MARKERSTUDY INSURANCE SERVICES LIMITED (02135730 - Active - Accounts Filed)
  INTEGRA PROPERTY MANAGEMENT LIMITED (07399834 - Active - Accounts Filed)
  E.J.MARKHAM & SON LIMITED (00448935 - Active - Accounts Filed)
  ENSURE KIDS ACADEMY CIC (09490483 - Company is dissolved)
  ULTIMATE INSURANCE SOLUTIONS LTD (03299891 - Company is dissolved)
  ULTIMATE PET PARTNERS LIMITED (06740793 - Company is dissolved)
  ULTIMATE PET INSURANCE SOLUTIONS LIMITED (06644533 - Company is dissolved)
  LANCASTER INSURANCE SERVICES LIMITED (02395332 - Company is dissolved)
  AFFINITY RELATIONSHIPS LIMITED (08658229 - Company is dissolved)
  HERO INSURANCE SERVICES LIMITED (04092570 - Company is dissolved)
  BDML INSURANCE SOLUTIONS LTD (03970433 - Company is dissolved)
  GMN B LIMITED (08690162 - Company is dissolved)
  GMN A LIMITED (08690031 - Company is dissolved)
  GMN NO 2 LIMITED (08661414 - Company is dissolved)
  GREAT MINSTER NORTH LIMITED (08627696 - Company is dissolved)
  QDOS TUITION LIMITED (08449629 - Company is dissolved)
  GO GET IT LIMITED (05237592 - Company is dissolved)
  SUPERCOVER INSURANCE LTD (03058631 - Company is dissolved)
  BDML CONNECT LIMITED (02785540 - Non trading)
 
Name Mr Christopher Thomas Collings
Address Fusion House Katharine Way, Bretton, Peterborough, PE3 8BG
Date of Appointment (appointed 29 Apr 2022)
Other Directorships
  ACM ULR LIMITED (03832599 - Active - Accounts Filed)
  BRIGHTSIDE INSURANCE SERVICES LIMITED (04137311 - Active - Accounts Filed)
  BISL LIMITED (03231094 - Active - Accounts Filed)
  INSURANCE FACTORY LIMITED (02982445 - Active - Accounts Filed)
  MARKERSTUDY (AFFINITY) HOLDINGS LIMITED (11711544 - Active - Accounts Filed)
  MANAGING GENERAL AGENTS' ASSOCIATION (07378522 - Active - Accounts Filed)
  AFFINITY INSURANCE SOLUTIONS LIMITED (12486813 - Active - Accounts Filed)
  MARKERSTUDY DIRECT LIMITED (03228539 - Active - Accounts Filed)
  MARKERSTUDY HOLDINGS (UK) LIMITED (08659850 - Company not trading)
Previous Directorships
  BGL DIRECT LIFE LIMITED (07810405 - Active - Accounts Filed)
  MARKERSTUDY INSURANCE SERVICES LIMITED (02135730 - Active - Accounts Filed)
  GO GET IT LIMITED (05237592 - Company is dissolved)
  SUPERCOVER INSURANCE LTD (03058631 - Company is dissolved)
  ULTIMATE INSURANCE SOLUTIONS LTD (03299891 - Company is dissolved)
  OLD ML LIMITED (03969511 - Company is dissolved)
  ZENITH INSURANCE MANAGEMENT UK LIMITED (05309111 - Company is dissolved)
  INJURY QED LIMITED (06025278 - Non trading)
  BDML CONNECT LIMITED (02785540 - Non trading)
 
Name Mr Michael James Peter England
Address Fusion House Katharine Way, Bretton, Peterborough, PE3 8BG
Date of Appointment (appointed 29 Apr 2022)
Other Directorships
  ATLAS TOPCO 1 LIMITED (13638689 - Active)
  ATLAS MIDCO 1 LIMITED (13642101 - Active)
  ATLAS BIDCO 1 LIMITED (13645130 - Active)
  BISL LIMITED (03231094 - Active - Accounts Filed)
  MARKERSTUDY INSURANCE SERVICES LIMITED (02135730 - Active - Accounts Filed)
  MARKERSTUDY GROUP HOLDINGS LIMITED (13073792 - Active - Accounts Filed)
  LUMON RISK MANAGEMENT LTD (06333730 - Active - Accounts Filed)
  MY MONEY OPTIONS LIMITED (11855792 - Active - Accounts Filed)
  POLLEN STREET CAPITAL PARTNERS LIMITED (12543099 - Active - Accounts Filed)
  ACM ULR LIMITED (03832599 - Active - Accounts Filed)
  PSC CREDIT HOLDINGS LLP (OC388668 - Active - Accounts Filed)
  PSC INVESTMENTS (Q) GP LIMITED (13743984 - Active - Newly Incorporated)
  SATURN GP LIMITED (13800764 - Active - Newly Incorporated)
  SATURN HOLDINGS LIMITED (13802733 - Active - Newly Incorporated)
  APPLE TREES HOLDINGS LIMITED (11134441 - Dormant Company)
Previous Directorships
  FREEDOM ACQUISITIONS LIMITED (09110691 - Active - Accounts Filed)
  MARKERSTUDY GROUP LIMITED (13074067 - Active - Accounts Filed)
  MARKERSTUDY PROPERTY HOLDINGS LIMITED (13377901 - Active - Accounts Filed)
  BGL DIRECT LIFE LIMITED (07810405 - Active - Accounts Filed)
 
Company Secretary
Name Mr Christopher James Payne
Address Fusion House Katharine Way, Bretton, Peterborough, PE3 8BG
Date of Appointment 29 Apr 2022
 

Share Capital

Shares ORDINARY
Shareholder BISL LIMITED
Issued Number 5,000,000
Date Latest Accounts 30 Jun 2021
Auditor / Accountant ERNST & YOUNG LLP
Bankers LLOYDS TSB BANK PLC

Financial Data – Statutory Accounts

Profit and Loss
Accounts Date30 Jun 202130 Jun 202030 Jun 201930 Jun 201830 Jun 2017
ConsolidatedNoNoNoNoNo
CurrencyGBPGBPGBPGBPGBP
Turnover62,124,00076,517,00074,694,00073,432,00059,986,000
Exports0.00.0--0.0
Depreciation0.00.00.00.00.0
Audit Fees0.00.029,00029,00026,000
Wages and Salaries0.00.00.00.00.0
Directors Remuneration0.00.00.00.00.0
Operating Profit15,057,00018,238,00015,280,00014,945,00013,484,000
Interest Expense11,320,00013,989,00015,044,00010,966,0004,900,000
Profit Before Tax7,053,0009,312,0005,174,0006,993,0008,648,000
Taxation-1,340,000-1,769,000-983,000-1,329,000-1,708,000
Profit After Tax5,713,0007,543,0004,191,0005,664,0006,940,000
Dividends0.010,000,0000.00.00.0
Retained Profit5,713,000-2,457,0004,191,0005,664,0006,940,000
Balance Sheet
Tangible Assets0.00.00.00.00.0
Intangible Assets0.00.00.00.00.0
Total Fixed Assets0.00.00.00.00.0
Stock0.00.00.00.00.0
Trade Debtors338,637,000382,455,000393,991,000393,003,000372,889,000
Other Debtors63,514,000162,103,000177,247,000110,758,00099,969,000
Cash0.00.00.00.00.0
Misc Current Assets0.00.00.00.00.0
Total Current Assets402,151,000544,558,000571,334,000503,761,000472,858,000
Total Assets402,151,000544,558,000571,334,000503,761,000472,858,000
Trade Creditors0.00.00.00.00.0
Bank Borrowings Current0.00.00.00.00.0
Other Short Term Finance342,869,000487,695,000510,915,000445,964,000423,068,000
Misc Current Liabilities29,998,00033,292,00034,391,00035,960,00033,617,000
Total Current Liabilities372,867,000520,987,000545,306,000481,924,000456,685,000
Other Long Term Finance0.00.00.00.00.0
Total Long Term Liabilities0.00.00.00.00.0
Total Liabilities372,867,000520,987,000545,306,000481,924,000456,685,000
Net Assets29,284,00023,571,00026,028,00021,837,00016,173,000
Issued Share Capital5,000,0005,000,0005,000,0005,000,0005,000,000
Revaluation Reserve0.00.00.00.00.0
Revenue Reserves24,284,00018,571,00021,028,00016,837,00011,173,000
Other Reserves0.00.00.00.00.0
Total Shareholders Equity29,284,00023,571,00026,028,00021,837,00016,173,000
Financial Summary
Year20212020201920182017
CurrencyGBPGBPGBPGBPGBP
Income Statement
Net Cash Flow Before Financing0.00.00.00.00.0
Balance
Contingent Liabilities11111
Bank Overdraft and L T L0.00.00.00.00.0
Working Capital29,284,00023,571,00026,028,00021,837,00016,173,000
Capital Employed29,284,00023,571,00026,028,00021,837,00016,173,000
Net Worth29,284,00023,571,00026,028,00021,837,00016,173,000
Financial Ratios
Pre Tax Profit Margin11.312.26.99.514.4
Return on Capital Employed24.139.519.93253.5
Return on Total Assets Employed1.81.70.91.41.8
Return on Net Assets Employed24.139.519.93253.5
Sales Or Net Working Capital2.13.22.93.43.7
Debtor Days1,984.21,819.41,9201,948.12,262.7
Current Ratio1.11.11.11.11
Liquidity Ratio Or Acid Test1.11111
Current Debt Ratio12.722.120.922.128.2
Gearing0.00.00.00.00.0
Equity In Percentage7.34.34.64.33.4
Total Debt Ratio12.722.120.922.128.2


  Report created on 07 Aug 2023 at 09:49