Company Overview
Cowley Associates (Bedford) Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 30 December 1997, so this is a well established company. Cowley Associates (Bedford) Limited has been in business for 28 years and 3 months. The accounts status is micro entity and the accounts are next due on Thursday 31 December 2026.
Registered Address

9 Goldington Road, Bedford, MK40 3JY
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Companies House Data
Company NameCOWLEY ASSOCIATES (BEDFORD) LIMITED
Company Number03487175
Registered Office Address9 Goldington Road
 MK40 3JY
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date30/12/1997
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date06/01/2017
Returns Last Made Up Date09/12/2015
Directors & Members
Show Resigned
Barry Cowley - Director
(British, 65 years old, born May 1961)
Appointed 30 December 1997
 Active
Lesley Cowley - Director
(British, 63 years old, born August 1963)
Appointed 03 April 2024
 Active
Secretaries
Show Resigned
Lesley Cowley - Secretary
(British)
Appointed 30 December 1997
 Active
Other Company Directorships
Barry Cowley
CLOUD ACCOUNTING ONLINE LIMITED
CONNOLLY HOLMES AUDIT LLP
COWLEY HOLMES ACCOUNTANTS (BEDFORD) LLP
COWLEY HOLMES ACCOUNTANTS LIMITED
COWLEY HOLMES ASSOCIATES LIMITED
DE RUBI PATRIMONIO FAMILIAR LLP
GREENACRES (BEDFORD) LIMITED
HARROW STREET MANAGEMENT LIMITED
M A HEALY LIMITED
Lesley Cowley
COWLEY HOLMES ACCOUNTANTS (BEDFORD) LLP
DE RUBI PATRIMONIO FAMILIAR LLP
GREENACRES (BEDFORD) LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 170,393 170,393 170,393
Current Assets 3,420 3,420 4,146
Creditors Due Within One Year 3,256 3,256 3,751
Working Cap 164 164 395
Total Assets Less Current Liabilities 170,557 170,557 170,788
Long-term Liabilities 101,627 101,627 101,627
Net Assets 68,930 68,930 69,161
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 68,930 68,930 69,161
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 98.0% 98.0% 97.6%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 2.0% 2.0% 2.4%
Creditors Due Within One Year 1.9% 1.9% 2.1%
Net Current Assets Liabilities 0.1% 0.1% 0.2%
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 39.7% 39.7% 39.6%
Capital Employed - - -
Total Assets Less Current Liabilities 98.1% 98.1% 97.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Liquidity Ratio 1.1 1.1 1.1
Solvency Ratio 1.7 1.7 1.7
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Assets 173,813 173,813 174,539
Debt 104,883 104,883 105,378
Net Assets/Debt 68,930 68,930 69,161

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. 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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. 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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. 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
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Document Filings
Confirmation statement made on 9 December 2025 with no updates
Confirmation statement made on 9 December 2024 with no updates
Registration of charge 034871750002, created on 29 May 2024
Appointment of Mrs Lesley Elaine Cowley as a director on 3 April 2024
Confirmation statement made on 9 December 2023 with no updates
Confirmation statement made on 9 December 2022 with no updates
Change of details for Mrs Lesley Elaine Cowley as a person with significant control on 9 December 2022
Change of details for Mr Barry David Cowley as a person with significant control on 9 December 2022
Confirmation statement made on 9 December 2021 with no updates
Confirmation statement made on 9 December 2020 with updates
Confirmation statement made on 9 December 2019 with no updates
Confirmation statement made on 9 December 2018 with no updates
Confirmation statement made on 9 December 2017 with no updates
Confirmation statement made on 9 December 2016 with updates
Annual return made up to 9 December 2015 with full list of shareholders
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