HBOS FINANCIAL SERVICES LIMITED Credit Check Report

Company Overview

Hbos Financial Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 17 February 1997, so this is a well established company. Hbos Financial Services Limited has been in business for 29 years and 1 month. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.

Registered Address

33 Old Broad Street, London, EC2N 1HZ

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Companies House Data

Company Name	HBOS FINANCIAL SERVICES LIMITED
Company Number	03322151
Registered Office Address	33 Old Broad Street
	London
	EC2N 1HZ
Company Category	Private Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	17/02/1997
Accounting Reference Date Day	31
Accounting Reference Date Month	12
Accounts Next Due Date	30/09/2026
Accounts Last Made Up Date	31/12/2024
Accounts Account Category	FULL
Returns Next Due Date	29/05/2017
Returns Last Made Up Date	01/05/2016

Directors & Members

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	Keith Abercromby - Director (British, 62 years old, born March 1964) Appointed 18 January 2002, Resigned 17 October 2005	Resigned
	Malcolm Argent - Director (British, 91 years old, born August 1935) Appointed 16 December 1997, Resigned 17 December 2001	Resigned
	William Beadle - Director (British, 77 years old, born May 1949) Appointed 17 October 2005, Resigned 17 August 2006	Resigned
	Jacques Bezuidenhout - Director (British, 51 years old, born January 1975) Appointed 28 November 2024	Active
	James Black - Director (British, 62 years old, born July 1964) Appointed 27 January 2014, Resigned 29 June 2016	Resigned
	Jeffrey Blackburn - Director (British, 85 years old, born December 1941) Appointed 17 February 1997, Resigned 16 December 1997	Resigned
	David Boyle - Director (British, 84 years old, born April 1942) Appointed 12 February 2001, Resigned 30 September 2003	Resigned
	Norval Bryson - Director (British, 77 years old, born January 1949) Appointed 27 April 2010, Resigned 25 January 2012	Resigned
	Gillian Camm - Director (British, 67 years old, born December 1959) Appointed 20 January 1998, Resigned 31 May 2001	Resigned
	Michael Christophers - Director (British, 84 years old, born June 1942) Appointed 06 October 2005, Resigned 25 January 2012	Resigned
	James Clatworthy - Director (British, 59 years old, born June 1967) Appointed 24 January 2012, Resigned 29 February 2016	Resigned
	Steven Colsell - Director (British, 62 years old, born July 1964) Appointed 17 August 2006, Resigned 23 March 2009	Resigned
	Sophie Comer - Director (British, 40 years old, born May 1986) Appointed 31 December 2022, Resigned 28 November 2024	Resigned
	James Crosby - Director (British, 70 years old, born March 1956) Appointed 17 February 1997, Resigned 17 December 2001	Resigned
	Joanne Dawson - Director (British, 64 years old, born May 1962) Appointed 01 March 2006, Resigned 23 March 2009	Resigned
	Robert Devey - Director (British, 58 years old, born November 1968) Appointed 10 October 2006, Resigned 23 March 2009	Resigned
	Robert Devey - Director (British, 58 years old, born November 1968) Appointed 17 October 2005, Resigned 01 June 2006	Resigned
	Brian Duffin - Director (British, 71 years old, born January 1955) Appointed 24 January 2008, Resigned 18 January 2010	Resigned
	John Edwards - Director (British, 71 years old, born June 1955) Appointed 20 January 1998, Resigned 31 March 2006	Resigned
	Duncan Ferguson - Director (British, 84 years old, born May 1942) Appointed 26 June 2003, Resigned 31 December 2007	Resigned
	Douglas Ferrans - Director (British, 72 years old, born October 1954) Appointed 18 January 2002, Resigned 30 September 2003	Resigned
	Victoria Flenk - Director (British, 42 years old, born September 1984) Appointed 04 August 2021, Resigned 30 November 2022	Resigned
	Patrick Gale - Director (British, 66 years old, born March 1960) Appointed 24 January 2008, Resigned 31 December 2009	Resigned
	Ross Gardiner - Director (British, 51 years old, born February 1975) Appointed 30 November 2022, Resigned 28 November 2024	Resigned
	Jeremy Goford - Director (British, 81 years old, born June 1945) Appointed 27 April 2010, Resigned 25 January 2012	Resigned
	John Hiew - Director (British, 62 years old, born June 1964) Appointed 01 October 2003, Resigned 28 September 2005	Resigned
	Phil Hodkinson - Director (British, 68 years old, born April 1958) Appointed 17 December 2001, Resigned 28 July 2005	Resigned
	John Hoskyns - Director (British, 99 years old, born August 1927) Appointed 16 December 1997, Resigned 23 April 1998	Resigned
	Brian Ivory - Director (British, 77 years old, born April 1949) Appointed 18 January 2002, Resigned 30 September 2003	Resigned
	Archibald Kane - Director (British, 74 years old, born June 1952) Appointed 29 January 2009, Resigned 19 May 2011	Resigned

Secretaries

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	Howard Briggs - Secretary (British) Appointed 17 February 1997, Resigned 17 December 1997	Resigned
	David Clarke - Secretary Appointed 08 June 2015, Resigned 11 September 2018	Resigned
	Susan Fogarty - Secretary (British) Appointed 17 December 1997, Resigned 04 August 2000	Resigned
	Christina Hankin - Secretary Appointed 11 September 2018, Resigned 31 December 2019	Resigned
	Catriona Herd - Secretary (British) Appointed 25 March 2010, Resigned 21 June 2012	Resigned

Other Company Directorships

Balance Sheet

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Common Size Financial Analysis

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Secured Creditors

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Public Record Information

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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

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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

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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

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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

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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)

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

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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

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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 EC2N 1HZ

	GENERAL REVERSIONARY AND INVESTMENT COMPANY(THE) 33 OLD BROAD STREET, LONDON, EC2N 1HZ
	CLERICAL MEDICAL (OFFICES) LP 33 OLD BROAD STREET, LONDON, EC2N 1HZ
	CLERICAL MEDICAL (INDUSTRIAL) LP 33 OLD BROAD STREET, LONDON, EC2N 1HZ
	CLERICAL MEDICAL (RETAIL) LP 33 OLD BROAD STREET, LONDON, EC2N 1HZ
	THE BEDFONT LAKES BUSINESS PARK (NO.1) LIMITED PARTNERSHIP PARTNERSHIP LIMITED, 33 OLD BROAD STREET, LONDON, EC2N 1HZ
	THE BEDFONT LAKES BUSINESS PARK (NO.2) LIMITED PARTNERSHIP PARTNERSHIP LIMITED, 33 OLD BROAD STREET, LONDON, EC2N 1HZ
	CLERICAL MEDICAL MANAGED FUNDS LIMITED 1 More London Place, London, EC2N 1HZ
	CLERICAL MEDICAL FORESTRY LIMITED Ernst & Young Llp, 1 More London Place, London, EC2N 1HZ
	OYSTERCATCHER RESIDENTIAL LIMITED 1 More London Place, London, EC2N 1HZ
	ST ANDREW'S LIFE ASSURANCE PLC 33 OLD BROAD STREET, LONDON, EC2N 1HZ

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