Company Overview
Benifex Financial Solutions Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 10 May 2007, so this is a well established company. Benifex Financial Solutions Ltd has been in business for 18 years and 10 months. The accounts status is full and the accounts are next due on Saturday 31 January 2026.
Registered Address

Mountbatten House, Grosvenor Square, Southampton, Hampshire, SO15 2JU
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Companies House Data
Company NameBENIFEX FINANCIAL SOLUTIONS LTD
Company Number06242658
Registered Office AddressMountbatten House
 Grosvenor Square
 SO15 2JU
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date10/05/2007
Accounting Reference Date Day30
Accounting Reference Date Month4
Accounts Next Due Date31/01/2026
Accounts Last Made Up Date30/04/2024
Accounts Account CategoryFULL
Returns Next Due Date07/06/2017
Returns Last Made Up Date10/05/2016
Previous Company NameChanged Date
BENEFEX FINANCIAL SOLUTIONS LTD13 Feb 2025
Directors & Members
Show Resigned
Neville Cotton - Director
(British, 50 years old, born December 1976)
Appointed 01 October 2025
 Active
Stephen Hackett - Director
(British, 65 years old, born March 1961)
Appointed 28 April 2023
 Active
John Petter - Director
(British, 56 years old, born May 1970)
Appointed 14 September 2018
 Active
Secretaries
Show Resigned
Chris Fox - Secretary
Appointed 16 August 2021
 Active
Other Company Directorships
Neville Cotton
CONDUCT 360 LIMITED
Stephen Hackett
No companies found
John Petter
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Balance Sheet Unlock full report
Accounts Date 30-Apr-2024 31-Dec-2015 31-Dec-2014
Balance Sheet
Fixed Assets 0 0 0
Current Assets 420,388 420,388 450,167
Creditors Due Within One Year 150,645 150,645 135,366
Working Cap 269,743 269,743 314,801
Total Assets Less Current Liabilities 269,743 269,743 314,801
Long-term Liabilities 77,991 77,991 94,788
Net Assets 191,752 191,752 220,013
Share Capital & Reserves
Share Cap 116,000 116,000 116,000
Profit & Loss Reserves 75,752 75,752 104,013
Other Reserves 0 0 0
Shareholders Funds 191,752 191,752 220,013
Common Size Financial Analysis Unlock full report
Accounts Date 30-Apr-2024 31-Dec-2015 31-Dec-2014
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 13.0% 13.0% 12.0%
Cash Bank In Hand 6.1% 6.1% 27.1%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 35.8% 35.8% 30.1%
Net Current Assets Liabilities 64.2% 64.2% 69.9%
Creditors Due After One Year 18.6% 18.6% 21.1%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 45.6% 45.6% 48.9%
Called Up Share Capital 27.6% 27.6% 25.8%
Share Capital Allotted Called Up Paid 27.6% 27.6% 25.8%
Profit Loss Account Reserve 18.0% 18.0% 23.1%
Shareholder Funds 45.6% 45.6% 48.9%
Capital Employed - - -
Total Assets Less Current Liabilities 64.2% 64.2% 69.9%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Apr-2024 31-Dec-2015 31-Dec-2014
Liquidity Ratio 2.8 2.8 3.3
Solvency Ratio 1.8 1.8 2.0
Reserves to Assets 0.2 0.2 0.2
Secured Creditors Unlock full report
Mortgages Charges 5
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 4
Assets and Debt Analysis Unlock full report
Accounts Date 30-Apr-2024 31-Dec-2015 31-Dec-2014
Assets 420,388 420,388 450,167
Debt 228,636 228,636 230,154
Net Assets/Debt 191,752 191,752 220,013

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 has some deficiency. 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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 has some deficiency. 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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   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 has some deficiency. 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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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
Termination of appointment of Alan Royston Kinch as a director on 1 December 2025
Appointment of Mr Neville James Cotton as a director on 1 October 2025
Termination of appointment of Matthew Richard Macri-Waller as a director on 5 September 2025
Confirmation statement made on 10 May 2025 with updates
Change of details for Benefex Limited as a person with significant control on 13 February 2025
Register(s) moved to registered office address Mountbatten House Grosvenor Square Southampton Hampshire SO15 2JU
Certificate of change of name
Registration of charge 062426580005, created on 9 December 2024
Satisfaction of charge 062426580004 in full
Satisfaction of charge 062426580003 in full
Confirmation statement made on 10 May 2024 with no updates
Registration of charge 062426580004, created on 5 April 2024
Confirmation statement made on 10 May 2023 with no updates
Appointment of Mr Stephen Moreton Hackett as a director on 28 April 2023
Confirmation statement made on 10 May 2022 with no updates
Register inspection address has been changed from Lowry Mill Lees Street Swinton Manchester M27 6DB England to Mountbatten House Grosvenor Square Southampton SO15 2JU
Registration of charge 062426580003, created on 23 December 2021
Appointment of Mr Chris Fox as a secretary on 16 August 2021
Termination of appointment of Helen Copestick as a secretary on 16 August 2021
Director's details changed for Mr Alan Royston Kinch on 13 November 2020
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