Company Overview
Butterworth Spengler Commercial Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 27 February 2004, so this is a well established company. Butterworth Spengler Commercial Limited has been in business for 22 years and 1 month. The accounts status is full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Elmwood House Ghyll Royd, Guiseley, Leeds, LS20 9LT
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Companies House Data
Company NameBUTTERWORTH SPENGLER COMMERCIAL LIMITED
Company Number05058649
Registered Office AddressElmwood House Ghyll Royd
 Guiseley
 LS20 9LT
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date27/02/2004
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryFULL
Returns Next Due Date27/03/2017
Returns Last Made Up Date27/02/2016
Directors & Members
Show Resigned
Matthew Erasmus - Director
(British, 53 years old, born June 1973)
Appointed 23 December 2025
 Active
Joanne McAlpine - Director
(British, 52 years old, born August 1974)
Appointed 17 February 2026
 Active
Alan Percival - Director
(British, 60 years old, born March 1966)
Appointed 26 March 2026
 Active
Matthew Stuttard - Director
(British, 39 years old, born July 1987)
Appointed 21 January 2026
 Active
Kathren Wright - Director
(British, 54 years old, born February 1972)
Appointed 26 May 2022
 Active
Secretaries
Show Resigned
Other Company Directorships
Matthew Erasmus
ABBOTT ASSOCIATES LIMITED
ANTELL INSURANCE ASSOCIATES LIMITED
BIBL HOLDINGS (2015) LIMITED
CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED
JNC SAFETY SERVICES LIMITED
MADOC AND RHODES (LEA VILLAGE) LIMITED
NM HOLDINGS (2015) LIMITED
SAFETY UK (SW) LIMITED
TOWNENDS INSURANCE BROKERS LIMITED
Joanne McAlpine
BUTTERWORTH SPENGLER GROUP LIMITED
Alan Percival
BERKELEY INSURANCE GROUP UK LIMITED
Matthew Stuttard
GROSVENOR CHESTER LIMITED
J.M. GLENDINNING (INSURANCE BROKERS) NORTH WEST LIMITED
JMG INSURANCE BROKERS LIMITED
Kathren Wright
ABBOTT ASSOCIATES LIMITED
ACTIVE LIFESTYLE PROTECTION LTD
ANTELL INSURANCE ASSOCIATES LIMITED
BIBL HOLDINGS (2015) LIMITED
BOSTON INSURANCE BROKERS LIMITED
BSIB LTD
BUTTERWORTH SPENGLER HOLDINGS LIMITED
CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED
CONFIDENTIAL SOLUTIONS GROUP LTD
CONFIDENTIAL SOLUTIONS LIMITED
CYCLESURE HOLDINGS LTD
DIVERGENT GROUP LTD
ELLIS BATES HOLDINGS LTD.
EXECUTIVE INSURANCE SERVICES LTD
GLOWSURE HOLDINGS LIMITED
GLOWSURE LIMITED
GREFT HOLDINGS LIMITED
HAYTON INSURANCE BROKERS LIMITED
JAMES BROWN & SONS (SOMERSET) LIMITED
JEANNE FAIRBROTHER ASSOCIATES LIMITED
LANGTON LONDON INSURANCE BROKERS LTD
LEADENHALL INSURANCE BROKERS LIMITED
MADOC AND RHODES (LEA VILLAGE) LIMITED
NASH WARREN INSURANCE SERVICES LIMITED
NM HOLDINGS (2015) LIMITED
PARASOL INSURE LTD
PORTSOKEN LTD
R. TODD INSURANCE SERVICES LIMITED
RISK SUPPORT SERVICES LTD
S ALLSOP LIMITED
SURREY INDEPENDENT ADVISERS LIMITED
THE INSURANCE MANAGER LIMITED
THE RISK FACTOR LIMITED
TOWNENDS INSURANCE BROKERS LIMITED
XS ASSURE LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Dec-2020 31-Dec-2019
Balance Sheet
Fixed Assets 87,880 87,880 101,302
Current Assets 3,662,576 3,662,576 3,549,586
Creditors Due Within One Year 3,429,857 3,429,857 2,933,941
Working Cap 232,719 232,719 615,645
Total Assets Less Current Liabilities 320,599 320,599 716,947
Long-term Liabilities 15,275 15,275 13,387
Net Assets 305,324 305,324 703,560
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 305,324 305,324 703,560
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Dec-2020 31-Dec-2019
Tangible Fixed Assets - - -
Fixed Assets 2.3% 2.3% 2.8%
Stocks Inventory - - -
Debtors 60.9% 60.9% 72.4%
Cash Bank In Hand 36.8% 36.8% 24.8%
Current Assets 97.7% 97.7% 97.2%
Creditors Due Within One Year 91.5% 91.5% 80.4%
Net Current Assets Liabilities 6.2% 6.2% 16.9%
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 8.1% 8.1% 19.3%
Capital Employed - - -
Total Assets Less Current Liabilities 8.5% 8.5% 19.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Dec-2020 31-Dec-2019
Liquidity Ratio 1.1 1.1 1.2
Solvency Ratio 1.1 1.1 1.2
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Dec-2020 31-Dec-2019
Assets 3,750,456 3,750,456 3,650,888
Debt 3,445,132 3,445,132 2,947,328
Net Assets/Debt 305,324 305,324 703,560

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. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over 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. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over 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. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over 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
Appointment of Mr Alan James Percival as a director on 26 March 2026
Confirmation statement made on 27 February 2026 with updates
Termination of appointment of Richard John Bell as a director on 17 February 2026
Termination of appointment of Mark Leslie Robinson as a director on 17 February 2026
Appointment of Ms Joanne Mcalpine as a director on 17 February 2026
Termination of appointment of James Jaycock as a director on 17 February 2026
Appointment of Mr Matthew Stuttard as a director on 21 January 2026
Termination of appointment of Jeffrey Robert Banks as a director on 31 December 2025
Termination of appointment of John Carl Lacey as a director on 31 December 2025
Appointment of Mr Matthew Robert Erasmus as a director on 23 December 2025
Satisfaction of charge 050586490003 in full
Registration of charge 050586490004, created on 21 November 2025
Termination of appointment of Neville Robert Mills as a director on 31 October 2025
Statement of capital following an allotment of shares on 21 October 2025
Confirmation statement made on 27 February 2025 with no updates
Confirmation statement made on 27 February 2024 with no updates
Director's details changed for Mr Jeffrey Robert Banks on 11 July 2023
Confirmation statement made on 27 February 2023 with updates
Appointment of Mr Neville Robert Mills as a director on 1 January 2023
Statement of capital following an allotment of shares on 1 November 2022
Appointment of Mr Richard John Bell as a director on 26 May 2022
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