Company Overview
Business Financial Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 08 June 2004, so this is a well established company. Business Financial Services Limited has been in business for 21 years and 10 months. The accounts status is micro entity and the accounts are next due on Thursday 31 December 2026.
Registered Address

63 Loveridge Road, London, NW6 2DR
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Companies House Data
Company NameBUSINESS FINANCIAL SERVICES LIMITED
Company Number05148538
Registered Office Address63 Loveridge Road
 NW6 2DR
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date08/06/2004
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 Date04/07/2017
Returns Last Made Up Date06/06/2016
Previous Company NameChanged Date
LUNCHTIME OFFICE CATERING CO LIMITED13 Jan 2020
Directors & Members
Show Resigned
Petre Karadjov - Director
(Bulgarian, 52 years old, born August 1974)
Appointed 08 June 2004
 Active
Secretaries
Show Resigned
Other Company Directorships
Petre Karadjov
CAPATI LIMITED
NANOPROTECT LTD
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets -106 -106 -141
Current Assets 152,244 152,244 57
Creditors Due Within One Year 76,122 76,122 -76,066
Working Cap 76,122 76,122 76,123
Total Assets Less Current Liabilities 76,016 76,016 75,982
Long-term Liabilities 0 0 152,132
Net Assets 76,016 76,016 75,982
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 76,016 76,016 75,982
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets -0.1% -0.1% 167.9%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 100.1% 100.1% -67.9%
Creditors Due Within One Year 50.0% 50.0% 90554.8%
Net Current Assets Liabilities 50.0% 50.0% -90622.6%
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 50.0% 50.0% -90454.8%
Capital Employed - - -
Total Assets Less Current Liabilities 50.0% 50.0% -90454.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Liquidity Ratio 2.0 2.0 0.0
Solvency Ratio 2.0 2.0 0.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Assets 152,138 152,138 -84
Debt 76,122 76,122 76,066
Net Assets/Debt 76,016 76,016 75,982

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. 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 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. 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 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. 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 5 June 2025 with no updates
Compulsory strike-off action has been discontinued
Confirmation statement made on 5 June 2024 with no updates
First Gazette notice for compulsory strike-off
Confirmation statement made on 5 June 2023 with no updates
Director's details changed for Mr Petre Stoyanov Karadjov on 25 July 2022
Change of details for Mr Petre Karadjov as a person with significant control on 25 July 2022
Confirmation statement made on 5 June 2022 with no updates
Confirmation statement made on 5 June 2021 with no updates
Change of details for Mr Petre Karadjov as a person with significant control on 17 June 2021
Director's details changed for Mr Petre Stoyanov Karadjov on 17 June 2021
Registered office address changed from 699 Greenford Road Greenford Middlesex UB6 8QL to 63 Loveridge Road London NW6 2DR on 17 June 2021
Confirmation statement made on 5 June 2020 with updates
Change of details for Mr Petre Karadzhov as a person with significant control on 9 June 2020
Resolutions
Confirmation statement made on 5 June 2019 with no updates
Termination of appointment of Maria Lubenova Karadzhova as a secretary on 27 May 2019
Amended total exemption full accounts made up to 31 March 2018
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