Company Overview
Bspoke Commercial Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 28 October 2014, so this is a well established company. Bspoke Commercial Ltd has been in business for 11 years and 5 months. The accounts status is full and the accounts are next due on Tuesday 30 December 2025.
Registered Address

Brookfield Court Selby Road, Garforth, Leeds, LS25 1NB
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Companies House Data
Company NameBSPOKE COMMERCIAL LTD
Company Number09284678
Registered Office AddressBrookfield Court Selby Road
 Garforth
 LS25 1NB
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date28/10/2014
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/03/2026
Accounts Last Made Up Date30/03/2024
Accounts Account CategoryFULL
Returns Next Due Date25/11/2016
Returns Last Made Up Date28/10/2015
Previous Company NameChanged Date
ONE COMMERCIAL LIMITED25 Apr 2023
UK GENERAL (COMMERCIAL) LIMITED29 May 2015
UKG COMMERCIAL LIMITED04 Nov 2014
Directors & Members
Show Resigned
Ryan Gill - Director
(British, 43 years old, born February 1983)
Appointed 12 September 2025
 Active
Nicholas Grazier - Director
(British, 54 years old, born May 1972)
Appointed 27 March 2023
 Active
Craig Hunter - Director
(British, 51 years old, born January 1975)
Appointed 25 January 2024
 Active
James Purvis - Director
(British, 61 years old, born December 1965)
Appointed 20 March 2024
 Active
Secretaries
Show Resigned
Other Company Directorships
Ryan Gill
ARMA KARMA LIMITED
BERLIN BIDCO LIMITED
BSPOKE CENTRAL SERVICES LTD
BSPOKE INSURANCE GROUP LTD
BSPOKE LIFESTYLE LTD
BSPOKE MANAGEMENT SERVICES LTD
BSPOKE UNDERWRITING LTD
BSPOKE UNIFORMED SERVICES LIMITED
CHICAGO BIDCO LIMITED
CHICAGO HOLDCO LIMITED
CHICAGO MIDCO LIMITED
LONGHAWK INSURANCE GROUP LIMITED
MIRAMAR UNDERWRITING LIMITED
ONE COMMERCIAL (CLAIMS) LIMITED
PBS HOLDINGS LIMITED
PMGI LIMITED
PMHC LIMITED
PRIMARY GENERAL INSURANCE LIMITED
PROVEGO LIMITED
RCHL GROUP LIMITED
RCHL OLD LIMITED
RHFS INVESTMENTS LIMITED
TPS (INSURANCE ADMIN SERVICES) LIMITED
UK GENERAL (AIS) LIMITED
UK GENERAL MANAGEMENT SERVICES LTD
YERO HOLDINGS LIMITED
Nicholas Grazier
INSURETV LIMITED
TIN HAT CONSULTING LTD
Craig Hunter
ARMA KARMA LIMITED
BRIGHTBOX NORTH LTD
BSPOKE CENTRAL SERVICES LTD
BSPOKE INSURANCE GROUP LTD
BSPOKE LIFESTYLE LTD
BSPOKE MANAGEMENT SERVICES LTD
BSPOKE UNDERWRITING LTD
BSPOKE UNIFORMED SERVICES LIMITED
CHICAGO HOLDCO LIMITED
MIRAMAR UNDERWRITING LIMITED
ONE COMMERCIAL SPECIALTY LIMITED
PMGI LIMITED
PMHC LIMITED
PROVEGO LIMITED
SUNTRUST LIMITED
James Purvis
BSPOKE INSURANCE GROUP LTD
BSPOKE LIFESTYLE LTD
BSPOKE UNDERWRITING LTD
INSURANCE BROKER CONNECT LTD
INSURANCE BROKER TENDER LTD
JPIC GROUP LTD
JPIC PROPERTIES LIMITED
MIRAMAR UNDERWRITING LIMITED
PMGI LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Mar-2024 31-Mar-2017 31-Mar-2016
Balance Sheet
Fixed Assets 1,787,979 1,787,979 2,062,207
Current Assets 3,017,640 3,017,640 5,446,533
Creditors Due Within One Year 1,540,837 1,540,837 3,804,485
Working Cap 1,476,803 1,476,803 1,642,048
Total Assets Less Current Liabilities 3,264,782 3,264,782 3,704,255
Long-term Liabilities 1,309,390 1,309,390 1,309,391
Net Assets 1,955,392 1,955,392 2,394,864
Share Capital & Reserves
Share Cap 7,381,001 7,381,001 5,645,001
Profit & Loss Reserves -5,425,609 -5,425,609 -3,250,137
Other Reserves 0 0 0
Shareholders Funds 1,955,392 1,955,392 2,394,864
Common Size Financial Analysis Unlock full report
Accounts Date 30-Mar-2024 31-Mar-2017 31-Mar-2016
Tangible Fixed Assets - - -
Fixed Assets 37.2% 37.2% 27.5%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 0.0% 0.0% 0.0%
Cash Bank In Hand 2.5% 2.5% 1.7%
Current Assets 62.8% 62.8% 72.5%
Creditors Due Within One Year 32.1% 32.1% 50.7%
Net Current Assets Liabilities 30.7% 30.7% 21.9%
Creditors Due After One Year 27.2% 27.2% 17.4%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 40.7% 40.7% 31.9%
Called Up Share Capital 153.6% 153.6% 75.2%
Share Capital Allotted Called Up Paid 153.6% 153.6% 75.2%
Profit Loss Account Reserve -112.9% -112.9% -43.3%
Shareholder Funds 40.7% 40.7% 31.9%
Capital Employed - - -
Total Assets Less Current Liabilities 67.9% 67.9% 49.3%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Mar-2024 31-Mar-2017 31-Mar-2016
Liquidity Ratio 2.0 2.0 1.4
Solvency Ratio 1.7 1.7 1.5
Reserves to Assets -1.1 -1.1 -0.4
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 30-Mar-2024 31-Mar-2017 31-Mar-2016
Assets 4,805,619 4,805,619 7,508,740
Debt 2,850,227 2,850,227 5,113,876
Net Assets/Debt 1,955,392 1,955,392 2,394,864

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
Confirmation statement made on 8 March 2026 with no updates
Director's details changed for Mr James Robert Purvis on 1 July 2024
Satisfaction of charge 092846780001 in full
Appointment of Mr Ryan Mark Gill as a director on 12 September 2025
Current accounting period shortened from 30 March 2026 to 31 December 2025
Termination of appointment of Timothy John Smyth as a director on 6 August 2025
Termination of appointment of Penelope Jane Fullerton as a secretary on 6 August 2025
Confirmation statement made on 8 March 2025 with no updates
Termination of appointment of Gillian Anderson as a director on 24 July 2024
Appointment of Mr James Robert Purvis as a director on 20 March 2024
Confirmation statement made on 8 March 2024 with updates
Appointment of Mr Craig Richard Hunter as a director on 25 January 2024
Change of details for Precision Partnership Limited as a person with significant control on 25 April 2023
Certificate of change of name
Appointment of Mr Nicholas Edward Grazier as a director on 27 March 2023
Confirmation statement made on 8 March 2023 with no updates
Resolutions
Memorandum and Articles of Association
Secretary's details changed for Mrs Penelope Jane Fullerton on 24 October 2022
Termination of appointment of Lance Douglas Harvey as a director on 24 October 2022
Termination of appointment of Graham Marshall Coates as a director on 24 October 2022
Registration of charge 092846780001, created on 24 October 2022
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