Company Overview
Fpc Financial Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 24 February 1987, so this is a well established company. Fpc Financial Services Limited has been in business for 39 years and 1 month. The accounts status is total exemption full and the accounts are next due on Saturday 28 February 2026.
Registered Address

88 Greendale Road, Port Sunlight, Wirral, Merseyside, CH62 4XD
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Companies House Data
Company NameFPC FINANCIAL SERVICES LIMITED
Company Number02102893
Registered Office Address88 Greendale Road
 Port Sunlight
 CH62 4XD
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date24/02/1987
Accounting Reference Date Day31
Accounting Reference Date Month5
Accounts Next Due Date28/02/2026
Accounts Last Made Up Date31/05/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date07/11/2016
Returns Last Made Up Date10/10/2015
Directors & Members
Show Resigned
David Bowler - Director
(British, 72 years old, born January 1954)
Secretaries
Show Resigned
Barbara Bowler - Secretary
(British)
Appointed 31 May 2001
 Active
Other Company Directorships
David Bowler
BARNSTON TOWERS RTM COMPANY LTD
BISHOPSGATE SECURITIES LIMITED
HEADWOOD PHOENIX LIMITED
ORIEL LODGE RESIDENTS ASSOCIATION LIMITED
PLUM LOW CO LIMITED
RECON ASSET MANAGEMENT CO. LTD
RIVERVISTA LIMITED
Balance Sheet Unlock full report
Accounts Date 31-May-2024 31-May-2023 31-May-2022
Balance Sheet
Fixed Assets 1,526,770 1,526,770 1,320,566
Current Assets 2,254,807 2,254,807 2,180,281
Creditors Due Within One Year 455,953 455,953 408,985
Working Cap 1,798,854 1,798,854 1,771,296
Total Assets Less Current Liabilities 3,325,624 3,325,624 3,091,862
Long-term Liabilities 63,597 63,597 93,000
Net Assets 3,262,027 3,262,027 2,998,862
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 3,262,027 3,262,027 2,998,862
Common Size Financial Analysis Unlock full report
Accounts Date 31-May-2024 31-May-2023 31-May-2022
Tangible Fixed Assets - - -
Fixed Assets 40.4% 40.4% 37.7%
Stocks Inventory - - -
Debtors 55.3% 55.3% 51.8%
Cash Bank In Hand 4.3% 4.3% 10.4%
Current Assets 59.6% 59.6% 62.3%
Creditors Due Within One Year 12.1% 12.1% 11.7%
Net Current Assets Liabilities 47.6% 47.6% 50.6%
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 86.3% 86.3% 85.7%
Capital Employed - - -
Total Assets Less Current Liabilities 87.9% 87.9% 88.3%
Financial Ratio Analysis Unlock full report
Accounts Date 31-May-2024 31-May-2023 31-May-2022
Liquidity Ratio 4.9 4.9 5.3
Solvency Ratio 7.3 7.3 7.0
Reserves to Assets - - -
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 31-May-2024 31-May-2023 31-May-2022
Assets 3,781,577 3,781,577 3,500,847
Debt 519,550 519,550 501,985
Net Assets/Debt 3,262,027 3,262,027 2,998,862

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 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 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 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 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 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
Other Business around CH62 4XD
RIVERVISTA (UK) LIMITED
88 Greendale Road, Port Sunlight, Wirral, Merseyside, CH62 4XD
PLUM LOW CO LIMITED
Basement 60-62 Market Street, Birkenhead, Merseyside, CH62 4XD
IAN HOSIE TYRES LIMITED
87 GREENDALE ROAD, WIRRAL, CH62 4XD
MILLBANK TRADING LIMITED
88 Greendale Road, Port Sunlight, Wirral, CH62 4XD
RIVERVISTA LIMITED
Fpc Financial Services, 88 Greendale Road, Port Sunlight, Wirral, CH62 4XD
Document Filings
Termination of appointment of Christopher Mark Bowler as a director on 22 October 2025
Termination of appointment of Matthew David Bowler as a director on 22 October 2025
Confirmation statement made on 21 August 2025 with updates
Purchase of own shares.
Cancellation of shares. Statement of capital on 8 August 2025
Appointment of Mr Christopher Mark Bowler as a director on 1 September 2024
Appointment of Mr Matthew David Bowler as a director on 1 September 2024
Confirmation statement made on 31 August 2024 with no updates
Confirmation statement made on 31 August 2023 with no updates
Satisfaction of charge 2 in full
Satisfaction of charge 021028930004 in full
Satisfaction of charge 3 in full
Confirmation statement made on 31 August 2022 with no updates
Registered office address changed from Military House 24 Castle Street Chester CH1 2DS England to 88 Greendale Road Port Sunlight Wirral Merseyside CH62 4XD on 20 September 2022
Registered office address changed from 88 Greendale Road Port Sunlight Wirral Merseyside CH62 4XD to 88 Greendale Road Port Sunlight Wirral Merseyside CH62 4XD on 20 September 2022
Resolutions
Statement of capital on 1 April 2021
Confirmation statement made on
Statement of capital following an allotment of shares on 21 May 2021
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