Company Overview
Provident Financial Management Services Limited is a Dissolved Private Limited Company.
Registered Address

No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
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Companies House Data
Company NamePROVIDENT FINANCIAL MANAGEMENT SERVICES LIMITED
Company Number00328933
Registered Office AddressNo. 1 Godwin Street
 BD1 2SU
Company CategoryPrivate Limited Company
Company StatusDissolved
Country of OriginUnited Kingdom
Incorporation Date18/06/1937
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2023
Accounts Last Made Up Date31/12/2021
Accounts Account CategoryFULL
Returns Next Due Date28/10/2016
Returns Last Made Up Date30/09/2015
Directors & Members
Show Resigned
Gareth Cronin - Director
(Irish, 51 years old, born February 1975)
Appointed 30 November 2023
 Active
Secretaries
Show Resigned
Other Company Directorships
Gareth Cronin
AQUIS CARDS LIMITED
CHEQUE EXCHANGE LIMITED
DUNCTON GROUP LIMITED
LAWSON FISHER LIMITED
MONEYBARN GROUP LIMITED
MONEYBARN LIMITED
MONEYBARN NO.1 LIMITED
N&N SIMPLE FINANCIAL SOLUTIONS LIMITED
PFG CORPORATE SERVICES LIMITED
PROVIDENT FINANCIAL GROUP LIMITED
PROVIDENT FINANCIAL HOLDINGS LIMITED
PROVIDENT FINANCIAL TRUSTEES (PERFORMANCE SHARE PLAN) LIMITED
PROVIDENT PERSONAL CREDIT LIMITED
PROVIDENT YES CAR CREDIT LIMITED
YES CAR CREDIT LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2021 31-Dec-2014 31-Dec-2013
Balance Sheet
Fixed Assets 821,700,000 821,700,000 818,300,000
Current Assets 108,400,000 108,400,000 105,300,000
Creditors Due Within One Year 218,900,000 218,900,000 216,800,000
Working Cap -110,500,000 -110,500,000 -111,500,000
Total Assets Less Current Liabilities 711,200,000 711,200,000 706,800,000
Long-term Liabilities 438,200,000 438,200,000 438,200,000
Net Assets 273,000,000 273,000,000 268,600,000
Share Capital & Reserves
Share Cap 257,800,000 257,800,000 257,800,000
Profit & Loss Reserves 13,500,000 13,500,000 8,100,000
Other Reserves 1,700,000 1,700,000 2,700,000
Shareholders Funds 273,000,000 273,000,000 268,600,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2021 31-Dec-2014 31-Dec-2013
Tangible Fixed Assets - - -
Fixed Assets 88.3% 88.3% 88.6%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 0.0% 0.0% 0.0%
Cash Bank In Hand 0.0% 0.0% 0.0%
Current Assets 11.7% 11.7% 11.4%
Creditors Due Within One Year 23.5% 23.5% 23.5%
Net Current Assets Liabilities -11.9% -11.9% -12.1%
Creditors Due After One Year 47.1% 47.1% 47.4%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 29.4% 29.4% 29.1%
Called Up Share Capital 27.7% 27.7% 27.9%
Share Capital Allotted Called Up Paid 27.7% 27.7% 27.9%
Profit Loss Account Reserve 1.5% 1.5% 0.9%
Shareholder Funds 29.4% 29.4% 29.1%
Capital Employed - - -
Total Assets Less Current Liabilities 76.5% 76.5% 76.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2021 31-Dec-2014 31-Dec-2013
Liquidity Ratio 0.5 0.5 0.5
Solvency Ratio 1.4 1.4 1.4
Reserves to Assets 0.0 0.0 0.0
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 3
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2021 31-Dec-2014 31-Dec-2013
Assets 930,100,000 930,100,000 923,600,000
Debt 657,100,000 657,100,000 655,000,000
Net Assets/Debt 273,000,000 273,000,000 268,600,000
Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
Other Business around BD1 2SU
PROVIDENT LIMITED
1 Bridgewater Place, Water Lane, Leeds, West Yorkshire, BD1 2SU
PROVIDENT CLOTHING & SUPPLY COMPANY LIMITED (THE)
1 Bridgewater Place, Water Lane, Leeds, West Yorkshire, BD1 2SU
PROVIDENT PERSONAL CREDIT (IRELAND) LIMITED
No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
PROVIDENT PERSONAL CREDIT (MIDLANDS) LIMITED
No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
PROVIDENT FINANCIAL GROUP LIMITED
No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
PROVIDENT PERSONAL CREDIT LIMITED
No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
GREENWOOD PERSONAL CREDIT LIMITED
No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
PROVIDENT NO 2 LIMITED
No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
AQUIS CARDS LIMITED
FAIRBURN HOUSE, 5 GODWIN STREET, BRADFORD, BD1 2SU
PROVIDENT FINANCIAL TRUSTEES (PERFORMANCE SHARE PLAN) LIMITED
No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
Document Filings
Final Gazette dissolved following liquidation
Return of final meeting in a Members' voluntary winding up
Resolutions
Memorandum and Articles of Association
Appointment of Mr Gareth Cronin as a director on 30 November 2023
Appointment of Mr Ian Michael Brian Mclaughlin as a director on 30 November 2023
Termination of appointment of Gareth Cronin as a director on 30 November 2023
Termination of appointment of Ian Michael Brian Mclaughlin as a director on 13 December 2023
Termination of appointment of Neill Lewis Mcdonald Moore as a director on 30 November 2023
Termination of appointment of Hamish Stewart Paton as a director on 30 November 2023
Appointment of Mr Gareth Cronin as a director on 28 November 2023
Appointment of Mr Ian Michael Brian Mclaughlin as a director on 28 November 2023
Declaration of solvency
Appointment of a voluntary liquidator
Resolutions
Resolutions
Statement of capital following an allotment of shares on 4 September 2023
Termination of appointment of Neeraj Kapur as a director on 7 August 2023
Termination of appointment of Malcolm John Le May as a director on 1 August 2023
Director's details changed for Mr Neeraj Kapur on 2 March 2023
Confirmation statement made on 30 September 2022 with no updates
Satisfaction of charge 4 in full
Confirmation statement made on 30 September 2021 with updates
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