Company Overview
The Bedford And District Citizens Advice Bureau is listed at the official companies registry as Active Private Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption. The company was incorporated on Tuesday 27 July 2004, so this is a well established company. The Bedford And District Citizens Advice Bureau has been in business for 21 years and 8 months. The accounts status is total exemption full and the accounts are next due on Tuesday 31 March 2026.
Registered Address

8 Harpur Centre, Bedford, MK40 1TP
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Companies House Data
Company NameTHE BEDFORD AND DISTRICT CITIZENS ADVICE BUREAU
Company Number05190146
Registered Office Address8 Harpur Centre
 MK40 1TP
Company CategoryPrivate Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date27/07/2004
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date22/08/2016
Returns Last Made Up Date25/07/2015
Directors & Members
Show Resigned
Elizabeth Borland - Director
(British, 64 years old, born December 1962)
Appointed 03 November 2022
 Active
Iain Clark - Director
(British, 58 years old, born January 1968)
Appointed 15 February 2024
 Active
David Hodgson - Director
(British, 67 years old, born October 1959)
Appointed 15 February 2024
 Active
Thomas Inskip - Director
(British, 68 years old, born April 1958)
Appointed 25 April 2016
 Active
Jane Mordue - Director
(British, 73 years old, born June 1953)
Appointed 27 January 2022
 Active
Secretaries
Francesca Marritt - Secretary
Appointed 16 January 2023
 Active
Other Company Directorships
Elizabeth Borland
No companies found
Iain Clark
BFS MEMBER SERVICES LIMITED
DIRECT LIFE AND PENSION SERVICES LIMITED
DIRECT LIFE LIMITED
DIRECT LIFE QUOTE HOLDINGS LIMITED
LIFEQUOTE LIMITED
David Hodgson
HEART ACADEMIES TRUST
KEANE & GRAY LTD
SOUTH EAST MIDLANDS LOCAL ENTERPRISE PARTNERSHIP LIMITED
Thomas Inskip
NORTH BEDFORDSHIRE HOSPICE CARE LIMITED
Jane Mordue
CITIZENS ADVICE BUCKINGHAMSHIRE (NO.2) LTD
CITIZENS ADVICE BUCKINGHAMSHIRE LTD
ROTARY BEDS, BUCKS AND HERTS LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2018 31-Mar-2017
Balance Sheet
Fixed Assets 4,240 4,240 7,808
Current Assets 238,524 238,524 243,089
Creditors Due Within One Year 69,159 69,159 81,071
Working Cap 169,365 169,365 162,018
Total Assets Less Current Liabilities 173,605 173,605 169,826
Long-term Liabilities 0 0 0
Net Assets 173,605 173,605 169,826
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 173,605 173,605 169,826
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2018 31-Mar-2017
Tangible Fixed Assets - - -
Fixed Assets 1.7% 1.7% 3.1%
Stocks Inventory - - -
Debtors 5.9% 5.9% 0.3%
Cash Bank In Hand 15.0% 15.0% 22.3%
Current Assets 98.3% 98.3% 96.9%
Creditors Due Within One Year 28.5% 28.5% 32.3%
Net Current Assets Liabilities 69.8% 69.8% 64.6%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 71.5% 71.5% 67.7%
Capital Employed - - -
Total Assets Less Current Liabilities 71.5% 71.5% 67.7%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2018 31-Mar-2017
Liquidity Ratio 3.4 3.4 3.0
Solvency Ratio 3.5 3.5 3.1
Reserves to Assets - - -
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-Mar-2025 31-Mar-2018 31-Mar-2017
Assets 242,764 242,764 250,897
Debt 69,159 69,159 81,071
Net Assets/Debt 173,605 173,605 169,826

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. 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. 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. 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 MK40 1TP
No other companies found in the same location
Document Filings
Resolutions
Memorandum and Articles of Association
Confirmation statement made on 23 July 2025 with no updates
Memorandum and Articles of Association
Director's details changed for Mr David Hodgeson on 6 November 2024
Director's details changed for Mr Iain Clarke on 6 November 2024
Confirmation statement made on 23 July 2024 with no updates
Appointment of Mr David Hodgeson as a director on 15 February 2024
Appointment of Mr Iain Clarke as a director on 15 February 2024
Termination of appointment of Duncan Albert Lance Gear as a director on 3 March 2024
Confirmation statement made on 23 July 2023 with no updates
Appointment of Mrs Francesca Marritt as a secretary on 16 January 2023
Appointment of Mr Duncan Albert Lance Gear as a director on 1 November 2021
Appointment of Mrs Elizabeth Borland as a director on 3 November 2022
Termination of appointment of Corinna Biermann Wheatley as a director on 12 December 2022
Confirmation statement made on 23 July 2022 with no updates
Appointment of Mrs Jane Margaret Mordue as a director on 27 January 2022
Registered office address changed from 8 8 Harpur Centre Bedford MK40 1TP England to 8 Harpur Centre Bedford MK40 1TP on 8 June 2022
Registered office address changed from 8 the Harpur Centre 8 Harpur Centre Bedford MK40 1TP England to 8 8 Harpur Centre Bedford MK40 1TP on 8 June 2022
Registered office address changed from 7a St Pauls Square Bedford Bedfordshire MK40 1SQ to 8 the Harpur Centre 8 Harpur Centre Bedford MK40 1TP on 8 June 2022
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