Company Overview
Covenham Financial Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 03 April 1986, so this is a well established company. Covenham Financial Services Limited has been in business for 40 years. The accounts status is micro entity and the accounts are next due on Wednesday 31 March 2027.
Registered Address

The Equinox, 2-4 Cow Lane, Cow Lane, Bushey, Herts, WD23 3EL
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Companies House Data
Company NameCOVENHAM FINANCIAL SERVICES LIMITED
Company Number02006259
Registered Office AddressThe Equinox, 2-4 Cow Lane
 Cow Lane
 WD23 3EL
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date03/04/1986
Accounting Reference Date Day30
Accounting Reference Date Month6
Accounts Next Due Date31/03/2027
Accounts Last Made Up Date30/06/2025
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date28/12/2016
Returns Last Made Up Date30/11/2015
Directors & Members
Show Resigned
Shailain Shah - Director
(British, 67 years old, born February 1959)
Raaxeet Shah - Director
(British, 66 years old, born September 1960)
Secretaries
Show Resigned
Other Company Directorships
Shailain Shah
BARDOST INVESTMENTS LLP
CHARIOTURN CAPITAL LLP
GADIMAN LIMITED
HARRISON HOUSE INVESTMENTS LTD
LIBRA INSURANCE SERVICES LIMITED
NI EDTECH 2 LLP
Raaxeet Shah
BARDOST INVESTMENTS LLP
GADIMAN LIMITED
HARRISON HOUSE INVESTMENTS LTD
KICK FOODS LIMITED
LASHGLOW LIMITED
LIBRA INSURANCE SERVICES LIMITED
OSHWAL ASSOCIATION OF THE UNITED KINGDOM LIMITED
SENSE INTERNATIONAL
THE EQUINOX PARTNERSHIP LLP
Balance Sheet Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2023 30-Jun-2022
Balance Sheet
Fixed Assets 365,985 365,985 375,945
Current Assets 382,172 382,172 371,742
Creditors Due Within One Year 7,635 7,635 8,537
Working Cap 374,537 374,537 363,205
Total Assets Less Current Liabilities 740,522 740,522 739,150
Long-term Liabilities 13,974 13,974 11,433
Net Assets 726,548 726,548 727,717
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 726,548 726,548 727,717
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2023 30-Jun-2022
Tangible Fixed Assets - - -
Fixed Assets 48.9% 48.9% 50.3%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 51.1% 51.1% 49.7%
Creditors Due Within One Year 1.0% 1.0% 1.1%
Net Current Assets Liabilities 50.1% 50.1% 48.6%
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 97.1% 97.1% 97.3%
Capital Employed - - -
Total Assets Less Current Liabilities 99.0% 99.0% 98.9%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2023 30-Jun-2022
Liquidity Ratio 50.1 50.1 43.5
Solvency Ratio 34.6 34.6 37.4
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 4
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 4
Assets and Debt Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2023 30-Jun-2022
Assets 748,157 748,157 747,687
Debt 21,609 21,609 19,970
Net Assets/Debt 726,548 726,548 727,717

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.

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 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.

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 WD23 3EL
GADIMAN LIMITED
THE EQUINOX, 2-4 COW LANE, COW LANE, BUSHEY, HERTS, WD23 3EL
BLADE MEWS MANAGEMENT COMPANY LIMITED
115 DEODAR ROAD, LONDON, WD23 3EL
THE WHITE HOUSE PUTNEY (FREEHOLD) LIMITED
113 DEODAR ROAD, LONDON, WD23 3EL
MARQUETRY MARKETING SERVICES LIMITED
WINGS PENN ROAD, KNOTTY GREEN, BEACONSFIELD, WD23 3EL
HARRISON HOUSE INVESTMENTS LTD
THE EQUINOX, 2-4 COW LANE, COW LANE, BUSHEY, HERTS, WD23 3EL
THE EQUINOX PARTNERSHIP LLP
The Equinox 2-4 Cow Lane, Bushey, Hertfordshire, WD23 3EL
Document Filings
Confirmation statement made on 30 November 2025 with updates
Confirmation statement made on 30 November 2024 with updates
Confirmation statement made on 30 November 2023 with updates
Confirmation statement made on 30 November 2022 with updates
Confirmation statement made on 30 November 2021 with updates
Confirmation statement made on 30 November 2020 with no updates
Confirmation statement made on 30 November 2019 with no updates
Confirmation statement made on 30 November 2018 with no updates
Confirmation statement made on 30 November 2017 with updates
Registered office address changed from Harrison House 140-142 High Street Bushey Hertfordshire WD23 3DH to The Equinox, 2-4 Cow Lane Cow Lane Bushey Herts WD23 3EL on 13 June 2017
Statement of capital following an allotment of shares on 15 March 2017
Resolutions
Satisfaction of charge 1 in full
Satisfaction of charge 2 in full
Satisfaction of charge 4 in full
Satisfaction of charge 3 in full
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