Company Overview
Bath And West Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 17 June 2011, so this is a well established company. Bath And West Finance Limited has been in business for 14 years and 9 months. The accounts status is total exemption full and the accounts are next due on Tuesday 31 March 2026.
Registered Address

Bury Manor Offices Woodcroft Lane, Wick, Bristol, BS30 5SH
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Companies House Data
Company NameBATH AND WEST FINANCE LIMITED
Company Number07673439
Registered Office AddressBury Manor Offices Woodcroft Lane
 Wick
 BS30 5SH
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date17/06/2011
Accounting Reference Date Day30
Accounting Reference Date Month6
Accounts Next Due Date31/03/2026
Accounts Last Made Up Date30/06/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date15/07/2017
Returns Last Made Up Date17/06/2016
Directors & Members
Show Resigned
Matthew Anderson - Director
(British, 62 years old, born November 1964)
Appointed 01 April 2025
 Active
John Bigwood - Director
(British, 59 years old, born February 1967)
Appointed 01 April 2025
 Active
Damien Druce - Director
(British, 47 years old, born January 1979)
Appointed 01 April 2025
 Active
Mike Ellwood - Director
(British, 65 years old, born April 1961)
Appointed 01 April 2023
 Active
Bridget Juckes - Director
(British, 66 years old, born April 1960)
Appointed 02 September 2024
 Active
Robert Owen - Director
(British, 69 years old, born March 1957)
Appointed 01 April 2022
 Active
Martyn Smith - Director
(British, 65 years old, born September 1961)
Appointed 17 June 2011
 Active
David Tropp - Director
(British, 54 years old, born August 1972)
Appointed 01 April 2025
 Active
Secretaries
Show Resigned
Other Company Directorships
Matthew Anderson
ASHWICK BUSINESS SOLUTIONS LIMITED
BATH AND WEST FINANCE 1 LIMITED
BATH AND WEST FINANCE 2 LIMITED
BATH AND WEST FINANCE 3 LIMITED
BATH AND WEST FINANCE 4 LIMITED
BATH AND WEST FINANCE 5 LIMITED
BATH AND WEST FINANCE 6 LIMITED
John Bigwood
BATH AND WEST FINANCE 1 LIMITED
BATH AND WEST FINANCE 3 LIMITED
BATH AND WEST FINANCE 4 LIMITED
BATH AND WEST FINANCE 5 LIMITED
BATH AND WEST FINANCE 6 LIMITED
BATH AND WEST FINANCE BRIDGING LIMITED
BATH AND WEST FINANCE PROPERTY LIMITED
BATH AND WEST TECHNOLOGIES LIMITED
BLACK AND WHITE FINANCE LIMITED
MY SLATE LIMITED
Damien Druce
BATH AND WEST FINANCE 1 LIMITED
BATH AND WEST FINANCE 2 LIMITED
BATH AND WEST FINANCE 3 LIMITED
BATH AND WEST FINANCE 4 LIMITED
BATH AND WEST FINANCE 5 LIMITED
BATH AND WEST FINANCE BRIDGING LIMITED
BATH AND WEST FINANCE PROPERTY LIMITED
BATH AND WEST TECHNOLOGIES LIMITED
BLACK AND WHITE FINANCE LIMITED
MY SLATE LIMITED
Mike Ellwood
No companies found
Bridget Juckes
No companies found
Robert Owen
AL RAYAN BANK PLC
CENTRAL HOMELOANS FUNDING NUMBER ONE LIMITED
CENTRAL HOMELOANS LIMITED
CENTRAL TRUST LIMITED
CENTRAL TRUST SYNDICATE NUMBER ONE LIMITED
CHAMBERS HARRIS HOLDINGS (UK) LIMITED
CHAMBERS HARRIS LIMITED
FINANCE & LEASING ASSOCIATION
FINANCE INDUSTRY STANDARDS ASSOCIATION
INSIGNIA FINANCE LIMITED
KENSINGTON MORTGAGE GROUP LIMITED
LANGERSAL NO.2 LIMITED
MATLOCK LONDON
MERCANTILE TRUST LIMITED
NORLAND CAPITAL LIMITED
WHITE LABEL LENDING LIMITED
Martyn Smith
36/37 ROYAL YORK CRESCENT MANAGEMENT LIMITED
ACORN AGRICULTURAL FINANCE LIMITED
ANGUSTIFOLIA ESTATE LIMITED
APEX CLAIMS MANAGEMENT LIMITED
BATH AND WEST FINANCE 1 LIMITED
BATH AND WEST FINANCE 2 LIMITED
BATH AND WEST FINANCE 3 LIMITED
BATH AND WEST FINANCE 4 LIMITED
BATH AND WEST FINANCE 5 LIMITED
BATH AND WEST FINANCE 6 LIMITED
BATH AND WEST FINANCE PROPERTY LIMITED
BATH AND WEST TECHNOLOGIES LIMITED
BLACK AND WHITE FINANCE LIMITED
BLUE SKY PROPERTY SOLUTIONS LIMITED
BRIDGETECH LIMITED
BRISTOL & WEST ACCEPTANCES LIMITED
BRISTOL & WEST INVESTMENTS PLC
BRISTOL AND WEST FINANCE LTD
MANAGED FLEET SERVICES LIMITED
MY SLATE LIMITED
OLD CHAPEL WESLEY HOUSE NO. 2 LIMITED
UK ACORN FINANCE LIMITED
David Tropp
No companies found
Balance Sheet Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Balance Sheet
Fixed Assets 442,362 442,362 59,354
Current Assets 15,632,805 15,632,805 5,526,783
Creditors Due Within One Year 15,822,378 15,822,378 4,949,575
Working Cap -189,573 -189,573 577,208
Total Assets Less Current Liabilities 252,789 252,789 636,562
Long-term Liabilities 11,225 11,225 11,277
Net Assets 241,564 241,564 625,285
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 241,564 241,564 625,285
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Tangible Fixed Assets - - -
Fixed Assets 2.8% 2.8% 1.1%
Stocks Inventory - - -
Debtors 97.0% 97.0% 94.5%
Cash Bank In Hand 0.3% 0.3% 4.4%
Current Assets 97.2% 97.2% 98.9%
Creditors Due Within One Year 98.4% 98.4% 88.6%
Net Current Assets Liabilities -1.2% -1.2% 10.3%
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 1.5% 1.5% 11.2%
Capital Employed - - -
Total Assets Less Current Liabilities 1.6% 1.6% 11.4%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Liquidity Ratio 1.0 1.0 1.1
Solvency Ratio 1.0 1.0 1.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 334
Mortgages Outstanding 158
Mortgages Part Satisfied 0
Mortgages Satisfied 176
Assets and Debt Analysis Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Assets 16,075,167 16,075,167 5,586,137
Debt 15,833,603 15,833,603 4,960,852
Net Assets/Debt 241,564 241,564 625,285

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.

As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves has some deficiency. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over 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.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves has some deficiency. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over 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.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves has some deficiency. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over 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
Registered office address changed from Bury Manor Offices Woodcroft Lane Wick Bristol BS30 5SH England to Second Floor York House 1300 Parkway North Bristol Stoke Gifford BS34 8YU on 1 April 2026
Registration of charge 076734390337, created on 25 February 2026
Registration of charge 076734390336, created on 1 February 2026
Registration of charge 076734390335, created on 29 January 2026
Registration of charge 076734390334, created on 10 November 2025
Confirmation statement made on 17 June 2025 with updates
Registration of charge 076734390333, created on 9 June 2025
Registration of charge 076734390331, created on 1 May 2025
Registration of charge 076734390332, created on 1 May 2025
Registration of charge 076734390330, created on 28 April 2025
Registration of charge 076734390329, created on 24 April 2025
Registration of charge 076734390328, created on 15 April 2025
Registration of charge 076734390326, created on 14 April 2025
Registration of charge 076734390327, created on 14 April 2025
Appointment of Mr John Peter Bigwood as a director on 1 April 2025
Appointment of Mr Matthew James Robert Anderson as a director on 1 April 2025
Director's details changed for Mr Martyn Scott Smith on 1 April 2025
Director's details changed for Bridget Juckes on 1 April 2025
Director's details changed for Mr Damien Rodney Lee Druce on 1 April 2025
Director's details changed for Mr Martyn Scott Smith on 1 April 2025
Appointment of Mr David Lee Tropp as a director on 1 April 2025
Appointment of Mr Damien Rodney Lee Druce as a director on 1 April 2025
Termination of appointment of Scott Lawrence Braybrook as a director on 31 March 2025
Registration of charge 076734390325, created on 31 March 2025
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