VIRGIN MONEY PERSONAL FINANCIAL SERVICE LIMITED Credit Check Report

Company Overview

Virgin Money Personal Financial Service Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 27 June 1995, so this is a well established company. Virgin Money Personal Financial Service Limited has been in business for 30 years and 9 months. The accounts status is full and the accounts are next due on Thursday 31 December 2026.

Registered Address

Jubilee House, Gosforth, Newcastle-Upon-Tyne, NE3 4PL

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Companies House Data

Company Name	VIRGIN MONEY PERSONAL FINANCIAL SERVICE LIMITED
Company Number	03072766
Registered Office Address	Jubilee House
	NE3 4PL
Company Category	Private Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	27/06/1995
Accounting Reference Date Day	31
Accounting Reference Date Month	3
Accounts Next Due Date	31/12/2026
Accounts Last Made Up Date	31/03/2025
Accounts Account Category	FULL
Returns Next Due Date	29/08/2016
Returns Last Made Up Date	01/08/2015

Directors & Members

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	Trevor Abbott - Director (British, 76 years old, born May 1950) Appointed 16 September 1996, Resigned 09 December 1997	Resigned
	Clifford Abrahams - Director (British, 59 years old, born February 1967) Appointed 18 March 2022, Resigned 15 December 2024	Resigned
	Philip Anderson - Director (British, 62 years old, born March 1964) Appointed 17 March 2000, Resigned 31 October 2001	Resigned
	Paul Batchelor - Director (Australian, 76 years old, born September 1950) Appointed 05 November 1999, Resigned 21 October 2002	Resigned
	Peter Bates - Director (British, 46 years old, born January 1980) Appointed 11 February 2026	Active
	Peter Bole - Director (British, 57 years old, born October 1969) Appointed 31 January 2017, Resigned 26 February 2019	Resigned
	Steven Bowker - Director (British, 60 years old, born April 1966) Appointed 11 January 2001, Resigned 30 November 2001	Resigned
	Richard Branson - Director (British, 76 years old, born July 1950) Appointed 16 September 1996, Resigned 06 May 2004	Resigned
	Hugh Chater - Director (British, 66 years old, born May 1960) Appointed 08 July 2020, Resigned 08 November 2023	Resigned
	Simon Clegg - Director (British, 69 years old, born May 1957) Appointed 18 November 1998, Resigned 13 October 1999	Resigned
	Robert Clifford - Director (British, 58 years old, born March 1968) Appointed 12 February 2009, Resigned 08 May 2009	Resigned
	Neville Creese - Director (Australian/British, 67 years old, born July 1959) Appointed 23 April 1997, Resigned 21 January 1998	Resigned
	David Duffy - Director (Irish, 65 years old, born September 1961) Appointed 15 October 2018, Resigned 08 July 2020	Resigned
	David Dyer - Director (British, 70 years old, born July 1956) Appointed 16 August 2007, Resigned 22 February 2010	Resigned
	Darrell Evans - Director (British, 57 years old, born May 1969) Appointed 22 June 2015, Resigned 09 December 2015	Resigned
	Richard Fairman - Director (British, 59 years old, born June 1967) Appointed 12 April 2005, Resigned 25 July 2007	Resigned
	Trevor Field - Director (British, 62 years old, born September 1964) Appointed 12 April 2005, Resigned 31 July 2007	Resigned
	Jayne-Anne Gadhia - Director (British, 65 years old, born October 1961) Appointed 30 March 2007, Resigned 12 February 2009	Resigned
	Jayne-Anne Gadhia - Director (British, 65 years old, born October 1961) Appointed 13 July 1995, Resigned 27 July 2001	Resigned
	Jayne-Anne Gadhia - Director (British, 65 years old, born October 1961) Appointed 28 December 2016, Resigned 15 October 2018	Resigned
	William Gorman - Director (Australian, 71 years old, born December 1955) Appointed 12 August 1998, Resigned 21 October 2002	Resigned
	Rowan Gormley - Director (Irish, 64 years old, born June 1962) Appointed 13 July 1995, Resigned 11 February 2000	Resigned
	Mark Hodgkinson - Director (British, 65 years old, born January 1961) Appointed 09 July 2003, Resigned 04 June 2007	Resigned
	Gordon Hull - Director (British, 59 years old, born December 1967) Appointed 06 May 2016, Resigned 24 January 2017	Resigned
	Peter Johnson - Director (British, 72 years old, born May 1954) Appointed 05 November 1999, Resigned 09 September 2000	Resigned
	Peter Johnson - Director (British, 72 years old, born May 1954) Appointed 28 January 1999, Resigned 24 September 1999	Resigned
	Michael King - Director (British, 66 years old, born March 1960) Appointed 23 April 1997, Resigned 25 August 1999	Resigned
	Ian Larkin - Director (Irish, 58 years old, born July 1968) Appointed 18 April 2002, Resigned 01 July 2005	Resigned
	Simon Leeming - Director (British, 61 years old, born April 1965) Appointed 25 September 2001, Resigned 14 September 2007	Resigned

Secretaries

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	Joshua Bayliss - Secretary (British) Appointed 31 August 2006, Resigned 01 March 2007	Resigned
	Jasan Fitzpatrick - Secretary Appointed 16 February 2012, Resigned 23 May 2012	Resigned
	Jayne-Anne Gadhia - Secretary (British) Appointed 13 July 1995, Resigned 23 April 1997	Resigned
	Barry Gerrard - Secretary (British) Appointed 01 March 2007, Resigned 16 February 2012	Resigned
	Peter Gram - Secretary (British) Appointed 17 March 2000, Resigned 31 August 2006	Resigned
	Diana Legge - Secretary (British) Appointed 23 April 1997, Resigned 17 March 2000	Resigned

Other Company Directorships

Peter Bates
AHN1 LIMITED
CGF NO. 9 LIMITED
CLYDESDALE BANK ASSET FINANCE LIMITED
LONGWIDE LIMITED
NATIONWIDE HEALTHCARE TRUSTEE LIMITED
NATIONWIDE HOUSING TRUST LIMITED
NATIONWIDE SYNDICATIONS LIMITED
NLF1 LIMITED
PIPER JAVELIN HOLDING COMPANY LIMITED
PIPER JAVELIN NO 1 LIMITED
STAFFORDSHIRE LEASING LIMITED

Balance Sheet

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Common Size Financial Analysis

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Secured Creditors

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Public Record Information

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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

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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

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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

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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

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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)

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

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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

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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 NE3 4PL

	NORTHERN ROCK LIMITED C/O Interpath Ltd, 10 Fleet Place, London, NE3 4PL
	THE VIRGIN MONEY FOUNDATION JUBILEE HOUSE, GOSFORTH, NEWCASTLE UPON TYNE, NE3 4PL
	VIRGIN MONEY UNIT TRUST MANAGERS LIMITED Jubilee House, Gosforth, Newcastle-Upon-Tyne, NE3 4PL
	VIRGIN MONEY MANAGEMENT SERVICES LIMITED C/O Interpath Ltd, 10 Fleet Place, London, NE3 4PL
	VIRGIN MONEY GIVING LIMITED JUBILEE HOUSE, GOSFORTH, NEWCASTLE-UPON-TYNE, NE3 4PL
	VIRGIN MONEY HOLDINGS (UK) LIMITED JUBILEE HOUSE, GOSFORTH, NEWCASTLE-UPON-TYNE, NE3 4PL
	CHALLENGER (NORWICH) LIMITED Jubilee House, Gosforth, Newcastle-Upon-Tyne, NE3 4PL
	EAGLE PLACE COVERED BONDS LLP JUBILEE HOUSE, GOSFORTH, NEWCASTLE UPON TYNE, NE3 4PL
	VIRGIN MONEY LIMITED JUBILEE HOUSE, GOSFORTH, NEWCASTLE UPON TYNE, NE3 4PL
	VIRGIN MONEY NOMINEES LIMITED Jubilee House, Gosforth, Newcastle-Upon-Tyne, NE3 4PL

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