Company Overview
Western Provident Association Limited is listed at the official companies registry as Active Private Limited By Guarantee Without Share Capital. The company was incorporated on Thursday 01 December 1949, so this is a well established company. Western Provident Association Limited has been in business for 76 years and 4 months. The accounts status is group and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Rivergate House, Blackbrook Park, Taunton, Somerset, TA1 2PE
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Companies House Data
Company NameWESTERN PROVIDENT ASSOCIATION LIMITED
Company Number00475557
Registered Office AddressRivergate House
 Blackbrook Park
 TA1 2PE
Company CategoryPrivate Limited By Guarantee Without Share Capital
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date01/12/1949
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryGROUP
Returns Next Due Date05/08/2016
Returns Last Made Up Date08/07/2015
Directors & Members
Show Resigned
Andrew Chapman - Director
(British, 68 years old, born June 1958)
Appointed 20 April 2022
 Active
Donna Eavis - Director
(British, 57 years old, born November 1969)
Appointed 01 January 2025
 Active
Craig Gentle - Director
(British, 58 years old, born May 1968)
Appointed 09 May 2024
 Active
Jasper Gill - Director
(British, 53 years old, born December 1973)
Appointed 22 February 2019
 Active
Nathan Irwin - Director
(British, 47 years old, born April 1979)
Appointed 11 April 2013
 Active
Rosalind Johnson - Director
(British, 75 years old, born March 1951)
Appointed 18 June 2020
 Active
Robert Lee - Director
(British, 69 years old, born June 1957)
Appointed 05 October 2009
 Active
Secretaries
Show Resigned
Kimberley Bell - Secretary
Appointed 29 March 2023
 Active
Other Company Directorships
Andrew Chapman
EXETER CASH PLAN HOLDINGS LIMITED
EXETER FRIENDLY MEMBERS CLUB LIMITED
GO PRIVATE LIMITED
PIONEER ADVANTAGE LIMITED
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Donna Eavis
GREENSHUTTERS NURSERIES LTD
WPA HEALTHCARE PRACTICE PLC
WPA INVESTMENTS LIMITED
WPA PENSION TRUSTEES LIMITED
WPA PROTOCOL PLC
Craig Gentle
No companies found
Jasper Gill
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Nathan Irwin
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Robert Lee
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AXA FUND MANAGERS LIMITED
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FRIENDS LIFE ASSURANCE SOCIETY LIMITED
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Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Balance Sheet
Fixed Assets 9,189,000 9,189,000 10,281,000
Current Assets 241,805,000 241,805,000 232,475,000
Creditors Due Within One Year 67,577,000 67,577,000 70,222,000
Working Cap 174,228,000 174,228,000 162,253,000
Total Assets Less Current Liabilities 183,417,000 183,417,000 172,534,000
Long-term Liabilities 377,000 377,000 0
Net Assets 183,040,000 183,040,000 172,534,000
Share Capital & Reserves
Share Cap 0 0 0
Profit & Loss Reserves 183,040,000 183,040,000 172,534,000
Other Reserves 0 0 0
Shareholders Funds 183,040,000 183,040,000 172,534,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Tangible Fixed Assets - - -
Fixed Assets 3.7% 3.7% 4.2%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 13.1% 13.1% 13.0%
Cash Bank In Hand 2.5% 2.5% 1.9%
Current Assets 96.3% 96.3% 95.8%
Creditors Due Within One Year 26.9% 26.9% 28.9%
Net Current Assets Liabilities 69.4% 69.4% 66.8%
Creditors Due After One Year 0.2% 0.2% 0.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 72.9% 72.9% 71.1%
Called Up Share Capital 0.0% 0.0% 0.0%
Share Capital Allotted Called Up Paid 0.0% 0.0% 0.0%
Profit Loss Account Reserve 72.9% 72.9% 71.1%
Shareholder Funds 72.9% 72.9% 71.1%
Capital Employed - - -
Total Assets Less Current Liabilities 73.1% 73.1% 71.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Liquidity Ratio 3.6 3.6 3.3
Solvency Ratio 3.7 3.7 3.5
Reserves to Assets 0.7 0.7 0.7
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Assets 250,994,000 250,994,000 242,756,000
Debt 67,954,000 67,954,000 70,222,000
Net Assets/Debt 183,040,000 183,040,000 172,534,000

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

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 TA1 2PE
WPA PENSION TRUSTEES LIMITED
RIVERGATE HOUSE, BLACKBROOK PARK, TAUNTON, SOMERSET, TA1 2PE
SELF-PAY LIMITED
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WPA HEALTHCARE PRACTICE PLC
RIVERGATE HOUSE, BLACKBROOK PARK, TAUNTON, SOMERSET, TA1 2PE
WPA INSURANCE SERVICES LIMITED
RIVERGATE HOUSE, BLACKBROOK PARK AVENUE, TAUNTON, SOMERSET, TA1 2PE
WPA INVESTMENTS (DEVELOPMENT) LIMITED
RIVERGATE HOUSE, BLACKBROOK PARK AVENUE, TAUNTON SOMERSET, TA1 2PE
WPA INVESTMENTS LIMITED
RIVERGATE HOUSE, BLACKBROOK PARK, TAUNTON,SOMERSET, TA1 2PE
WPA PROTOCOL PLC
RIVERGATE HOUSE, BLACKBROOK PARK, TAUNTON, SOMERSET, TA1 2PE
STOPLOSS INSURANCE SERVICES LIMITED
RIVERGATE HOUSE, BLACKBROOK PARK, TAUNTON, SOMERSET, TA1 2PE
XS HEALTH LTD
RIVERGATE HOUSE, BLACKBROOK PARK AVE, TAUNTON, SOMERSET, TA1 2PE
WPA HEALTH TRUSTEE LIMITED
RIVERGATE HOUSE, BLACKBROOK PARK, TAUNTON, SOMERSET, TA1 2PE
Document Filings
Confirmation statement made on 8 July 2025 with no updates
Termination of appointment of Evelyn Rowland Esmond Baring as a director on 23 January 2025
Appointment of Mrs Sharon Shier as a director on 1 January 2025
Appointment of Mrs Donna Mary Eavis as a director on 1 January 2025
Termination of appointment of Brian Ewens Michael Goodman as a director on 31 December 2024
Termination of appointment of Rodney Adrian Bramston as a director on 31 December 2024
Confirmation statement made on 8 July 2024 with no updates
Appointment of Mr Craig Gordon Gentle as a director on 9 May 2024
Appointment of Mr Robert Edward Watkin as a director on 9 May 2024
Termination of appointment of Arthur John Pugh as a director on 9 May 2024
Termination of appointment of Henry James Kenyon as a director on 1 January 2024
Confirmation statement made on 8 July 2023 with no updates
Appointment of Mrs Camilla Jane Buttery Pierrepont as a director on 27 June 2023
Appointment of Mr James Charles Searle as a director on 11 May 2023
Appointment of Mrs Kimberley Jayne Bell as a secretary on 29 March 2023
Termination of appointment of John Frederick Chester as a director on 29 March 2023
Termination of appointment of Nicola Anne Royle as a secretary on 22 March 2023
Termination of appointment of Andrew Nathan Haworth as a director on 16 December 2022
Director's details changed for The Rt Hon the Earl of Cromer Evelyn Rowland Esmond Baring Cromer on 10 December 2021
Director's details changed for Mr Peter Robert Charles Venables on 6 July 2022
Director's details changed for Mr Nathan Luke Irwin on 2 March 2018
Director's details changed for Mr Andrew Nathan Haworth on 19 May 2017
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