Company Overview
Bank And Clients Plc is listed at the official companies registry as in Liquidation Public Limited Company. The company was incorporated on Thursday 28 May 1970, so this is a well established company. Bank And Clients Plc has been in business for 55 years and 10 months. The accounts status is full and the accounts are next due on Thursday 30 June 2022.
Registered Address

Ship Canal House 5Th Floor, 98 King Street, Manchester, M2 4WU
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Companies House Data
Company NameBANK AND CLIENTS PLC
Company Number00980698
Registered Office AddressShip Canal House 5th Floor
 98 King Street
 M2 4WU
Company CategoryPublic Limited Company
Company StatusLiquidation
Country of OriginUnited Kingdom
Incorporation Date28/05/1970
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/06/2022
Accounts Last Made Up Date31/12/2020
Accounts Account CategoryFULL
Returns Next Due Date29/08/2016
Returns Last Made Up Date01/08/2015
Previous Company NameChanged Date
CHURCH HOUSE TRUST LIMITED01 Dec 2014
VIRGIN BANK LIMITED31 Jan 2012
VIRGIN BANK PLC28 Jan 2010
CHURCH HOUSE TRUST PLC28 Jan 2010
Directors & Members
Show Resigned
Secretaries
Show Resigned
Balance Sheet Unlock full report
Accounts Date 31-Dec-2020 31-Dec-2011 31-Dec-2010
Balance Sheet
Fixed Assets 344,000 344,000 362,000
Current Assets 136,022,000 136,022,000 133,661,000
Creditors Due Within One Year 111,406,000 111,406,000 123,043,000
Working Cap 24,616,000 24,616,000 10,618,000
Total Assets Less Current Liabilities 24,960,000 24,960,000 10,980,000
Long-term Liabilities 0 0 0
Net Assets 24,960,000 24,960,000 10,980,000
Share Capital & Reserves
Share Cap 22,040,000 22,040,000 7,040,000
Profit & Loss Reserves -279,000 -279,000 602,000
Other Reserves 3,199,000 3,199,000 3,338,000
Shareholders Funds 24,960,000 24,960,000 10,980,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2020 31-Dec-2011 31-Dec-2010
Tangible Fixed Assets - - -
Fixed Assets 0.3% 0.3% 0.3%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 50.3% 50.3% 0.7%
Cash Bank In Hand 46.0% 46.0% 0.0%
Current Assets 99.7% 99.7% 99.7%
Creditors Due Within One Year 81.7% 81.7% 91.8%
Net Current Assets Liabilities 18.1% 18.1% 7.9%
Creditors Due After One Year 0.0% 0.0% 0.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 18.3% 18.3% 8.2%
Called Up Share Capital 16.2% 16.2% 5.3%
Share Capital Allotted Called Up Paid 16.2% 16.2% 5.3%
Profit Loss Account Reserve -0.2% -0.2% 0.4%
Shareholder Funds 18.3% 18.3% 8.2%
Capital Employed - - -
Total Assets Less Current Liabilities 18.3% 18.3% 8.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2020 31-Dec-2011 31-Dec-2010
Liquidity Ratio 1.2 1.2 1.1
Solvency Ratio 1.2 1.2 1.1
Reserves to Assets 0.0 0.0 0.0
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2020 31-Dec-2011 31-Dec-2010
Assets 136,366,000 136,366,000 134,023,000
Debt 111,406,000 111,406,000 123,043,000
Net Assets/Debt 24,960,000 24,960,000 10,980,000

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet indicates the net assets of a good sized company. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet. Information provided by Companies House shows Liquidation.

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet indicates the net assets of a good sized company. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet. Information provided by Companies House shows Liquidation.  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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet indicates the net assets of a good sized company. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet. Information provided by Companies House shows Liquidation.

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
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Document Filings
Final Gazette dissolved following liquidation
Return of final meeting in a Members' voluntary winding up
Confirmation statement made on 3 June 2024 with updates
Termination of appointment of Georgina Mary Kingsbury as a secretary on 18 March 2024
Termination of appointment of Nicole Coll as a director on 18 March 2024
Termination of appointment of Roger William Barlow as a director on 18 March 2024
Termination of appointment of Thomas Dunlop Galloway De Roy De Blicquy Galbraith Strathclyde as a director on 18 March 2024
Termination of appointment of Georgina Mary Kingsbury as a director on 18 March 2024
Termination of appointment of Anthony John Ward as a director on 18 March 2024
Liquidators' statement of receipts and payments to 20 December 2023
Liquidators' statement of receipts and payments to 20 December 2022
Declaration of solvency
Resolutions
Appointment of a voluntary liquidator
Registered office address changed from 30 King Street London EC2V 8EH to Ship Canal House 5th Floor 98 King Street Manchester M2 4WU on 16 November 2021
Confirmation statement made on 1 August 2021 with no updates
Cessation of Edouard Bridel as a person with significant control on 30 January 2021
Director's details changed for Mrs Georgina Mary Kingbsury on 24 February 2021
Secretary's details changed for Mrs Georgina Mary Kingbsury on 24 February 2021
Appointment of Mrs Georgina Mary Kingbsury as a director on 24 February 2021
Termination of appointment of Claire Marie Michel Bridel as a director on 2 February 2021
Termination of appointment of William Francis Charnley as a director on 31 December 2020
Termination of appointment of Karen Elizabeth Mccormick as a director on 31 December 2020
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