FRIENDS LIFE WL LIMITED Credit Check Report

Company Overview

Friends Life Wl Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 20 October 1995, so this is a well established company. Friends Life Wl Limited has been in business for 30 years and 5 months. The accounts status is dormant and the accounts are next due on Wednesday 30 September 2026.

Registered Address

Aviva, Wellington Row, York, YO90 1WR

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Companies House Data

Company Name	FRIENDS LIFE WL LIMITED
Company Number	03116645
Registered Office Address	Aviva
	Wellington Row
	YO90 1WR
Company Category	Private Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	20/10/1995
Accounting Reference Date Day	31
Accounting Reference Date Month	12
Accounts Next Due Date	30/09/2026
Accounts Last Made Up Date	31/12/2024
Accounts Account Category	DORMANT
Returns Next Due Date	29/06/2017
Returns Last Made Up Date	01/06/2016

Previous Company Name	Changed Date
WINTERTHUR LIFE UK LIMITED	25 May 2012

Directors & Members

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	Jacqueline Bamford - Director (British, 71 years old, born June 1955) Appointed 20 October 1995, Resigned 21 March 1996	Resigned
	Sandra Basaran - Director (British, 65 years old, born April 1961) Appointed 04 September 2003, Resigned 30 April 2007	Resigned
	James Black - Director (British, 62 years old, born July 1964) Appointed 08 February 2013, Resigned 27 September 2013	Resigned
	Kevin Bounds - Director (British, 73 years old, born February 1953) Appointed 22 March 2005, Resigned 20 September 2005	Resigned
	Evelyn Bourke - Director (Irish,British, 61 years old, born January 1965) Appointed 30 November 2011, Resigned 21 September 2012	Resigned
	Ian Brimecome - Director (British, 73 years old, born April 1953) Appointed 04 March 2003, Resigned 22 December 2006	Resigned
	Debra Broek - Director (American, 65 years old, born November 1961) Appointed 21 March 2002, Resigned 22 December 2006	Resigned
	David Brown - Director (British, 63 years old, born October 1963) Appointed 16 March 2006, Resigned 31 March 2007	Resigned
	Stewart Calder - Director (British, 57 years old, born November 1969) Appointed 19 September 2012, Resigned 21 August 2015	Resigned
	Lee Callaghan - Director (British, 62 years old, born August 1964) Appointed 09 September 2025	Active
	Neil Cantle - Director (British, 54 years old, born May 1972) Appointed 21 March 2002, Resigned 31 March 2005	Resigned
	Winston Carter - Director (Australian, 87 years old, born December 1939) Appointed 02 January 1997, Resigned 12 June 2000	Resigned
	David Cheeseman - Director (British, 58 years old, born October 1968) Appointed 23 July 2008, Resigned 30 November 2011	Resigned
	Damian Condon - Director (Irish, 83 years old, born February 1943) Appointed 21 March 1996, Resigned 23 February 1998	Resigned
	Christopher Coyle - Director (British, 82 years old, born April 1944) Appointed 06 April 1998, Resigned 31 August 1999	Resigned
	Francois De Meneval - Director (French, 63 years old, born April 1963) Appointed 22 December 2006, Resigned 28 June 2011	Resigned
	Havilland De Sausmarez - Director (British, 68 years old, born December 1958) Appointed 23 February 1998, Resigned 11 April 2000	Resigned
	Jean Drouffe - Director (French, 51 years old, born February 1975) Appointed 17 September 2010, Resigned 30 November 2011	Resigned
	Christopher Edwards - Director (British/Australian, 71 years old, born February 1955) Appointed 21 March 1996, Resigned 27 February 1998	Resigned
	Christopher Edwards - Director (British/Australian, 71 years old, born February 1955) Appointed 16 December 1998, Resigned 10 December 1999	Resigned
	Nicolas Elphick - Director (British, 66 years old, born October 1960) Appointed 23 June 2004, Resigned 31 March 2007	Resigned
	Paul Evans - Director (British, 61 years old, born March 1965) Appointed 22 December 2006, Resigned 30 November 2011	Resigned
	Emily Field - Director (British, 42 years old, born February 1984) Appointed 21 July 2021, Resigned 01 November 2022	Resigned
	John Finan - Director (Irish, 88 years old, born May 1938) Appointed 12 June 2000, Resigned 21 August 2001	Resigned
	Robert Garnsworthy - Director (Australian, 77 years old, born February 1949) Appointed 21 March 1996, Resigned 12 June 2000	Resigned
	Amy Garvin - Director (British, 49 years old, born May 1977) Appointed 31 August 2017, Resigned 15 June 2021	Resigned
	Robert Grimmond - Director (British, 78 years old, born August 1948) Appointed 20 October 1995, Resigned 21 March 1996	Resigned
	Linda Hall - Director (British, 70 years old, born May 1956) Appointed 31 August 2017, Resigned 21 July 2021	Resigned
	James Hare - Director (British, 71 years old, born March 1955) Appointed 21 March 2002, Resigned 31 March 2007	Resigned
	Christopher Harvey - Director (British, 80 years old, born June 1946) Appointed 21 March 1996, Resigned 12 June 2000	Resigned
	William Hood - Director (British, 91 years old, born December 1935) Appointed 12 June 2000, Resigned 22 December 2006	Resigned

Secretaries

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	Jacqueline Bamford - Secretary (British) Appointed 20 October 1995, Resigned 28 February 2001	Resigned
	Sandra Basaran - Secretary (British) Appointed 04 September 2003, Resigned 30 April 2007	Resigned
	Neil Cantle - Secretary (British) Appointed 28 February 2001, Resigned 13 March 2001	Resigned
	Neil Cantle - Secretary (British) Appointed 28 August 2002, Resigned 04 September 2003	Resigned

Other Company Directorships

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 YO90 1WR

	CGNU LIFE ASSURANCE LIMITED AVIVA, WELLINGTON ROW, YORK, NORTH YORKSHIRE, YO90 1WR
	UNDERSHAFT (NULLA) LIMITED AVIVA, WELLINGTON ROW, YORK, NORTH YORKSHIRE, YO90 1WR
	THE NORWICH UNION LIFE INSURANCE COMPANY LIMITED 1020 Eskdale Road, Winnersh, Wokingham, YO90 1WR
	THE LANCASHIRE AND YORKSHIRE REVERSIONARY INTEREST COMPANY LIMITED AVIVA, WELLINGTON ROW, YORK, NORTH YORKSHIRE, YO90 1WR
	AVIVA CLIENT NOMINEES UK LIMITED AVIVA, WELLINGTON ROW, YORK, NORTH YORKSHIRE, YO90 1WR
	AVIVA LIFE & PENSIONS UK LIMITED AVIVA, WELLINGTON ROW, YORK, NORTH YORKSHIRE, YO90 1WR
	AVIVA ANNUITY UK LIMITED 30 Finsbury Square, London, YO90 1WR
	AVIVA LIFE SERVICES UK LIMITED AVIVA, WELLINGTON ROW, YORK, NORTH YORKSHIRE, YO90 1WR
	AVIVA LIFE HOLDINGS UK LIMITED AVIVA, WELLINGTON ROW, YORK, NORTH YORKSHIRE, YO90 1WR
	AVIVA (PEAK NO.2) UK LIMITED AVIVA, WELLINGTON ROW, YORK, NORTH YORKSHIRE, YO90 1WR

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