Company Overview
Bay Financial Management Limited is a Dissolved Private Limited Company.
Registered Address

Afh House Buntsford Drive, Stoke Heath, Bromsgrove, B60 4JE
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Companies House Data
Company NameBAY FINANCIAL MANAGEMENT LIMITED
Company Number05810028
Registered Office AddressAfh House Buntsford Drive
 Stoke Heath
 B60 4JE
Company CategoryPrivate Limited Company
Company StatusDissolved
Country of OriginUnited Kingdom
Incorporation Date09/05/2006
Accounting Reference Date Day31
Accounting Reference Date Month10
Accounts Next Due Date31/07/2020
Accounts Last Made Up Date31/10/2019
Accounts Account CategoryDORMANT
Returns Next Due Date29/05/2017
Returns Last Made Up Date01/05/2016
Directors & Members
Show Resigned
Alan Hudson - Director
(British, 68 years old, born July 1958)
Appointed 20 February 2017
 Active
Paul Wright - Director
(British, 69 years old, born January 1957)
Appointed 20 February 2017
 Active
Secretaries
Show Resigned
Other Company Directorships
Alan Hudson
A E GARMENT INDEPENDENT FINANCIAL SERVICES LIMITED
AFH HOME & PROTECT LIMITED
AFH SELECT LIMITED
ASHTON HOUSE IFA LTD
BAY ASSOCIATES LIMITED
BROADLEAF FINANCIAL SERVICES LIMITED
CLARENDON FINANCIAL SOLUTIONS LIMITED
CORE FINANCIAL HOLDINGS LTD
CORE FINANCIAL SERVICES LTD
CORVILLE FINANCIAL SERVICES LIMITED
CTL THREE LIMITED
CWP FINANCIAL SERVICES LIMITED
DAVISONS FINANCIAL MANAGEMENT LIMITED
DUCHY WEALTH MANAGEMENT LIMITED
FSB INDEPENDENT FINANCIAL SERVICES LIMITED
HARRISON WHITE FS LIMITED
HAYBURN ROCK GROUP LIMITED
HTH (GROUP) LIMITED
IFA PROFESSIONAL PLANNING LTD.
IMECHE LIMITED
K.L. PLESTER FINANCIAL SERVICES HOLDINGS LIMITED
KIRK ELLA INVESTMENTS LTD
LFS & PARTNERS LIMITED
MARK HUGHES & ASSOCIATES LIMITED
MULBERRY INDEPENDENT FINANCIAL ADVISERS LIMITED
PARKER SAGE INDEPENDENT FINANCIAL ADVISERS LTD
PREMIER WEALTH MANAGEMENT HARROGATE LIMITED
PRIVATE CLIENT WEALTH MANAGEMENT (YORKSHIRE) LIMITED
QUEST FINANCIAL MANAGEMENT LIMITED
ROXBOROUGH CONSULTANCY LTD.
THE INSURANCE PARTNERSHIP FINANCIAL SERVICES LIMITED
THOMAS HEALD LIMITED
THOMAS HEALD SOLUTIONS LIMITED
WINDSOR WEALTH MANAGEMENT LTD
Paul Wright
3S MONEY CLUB LIMITED
A E GARMENT INDEPENDENT FINANCIAL SERVICES LIMITED
AFH HOME & PROTECT LIMITED
AFH PARTNERS LIMITED
AFH SPV1 LTD
AFH SPV2 LTD
AFH TRUST & ESTATE PLANNING LIMITED
ASHTON HOUSE IFA LTD
BAY ASSOCIATES LIMITED
CARE INTERACTIVE SOFTWARE LIMITED
CLARENDON FINANCIAL SOLUTIONS LIMITED
CWP FINANCIAL SERVICES LIMITED
DAVISONS FINANCIAL MANAGEMENT LIMITED
DUCHY WEALTH MANAGEMENT LIMITED
HARRISON WHITE FS LIMITED
INSIGHT INTERNATIONAL LIMITED
INSIGHT LOGISTICS LIMITED
K.L. PLESTER FINANCIAL SERVICES HOLDINGS LIMITED
KIRK ELLA INVESTMENTS LTD
LSI CONSULTING LIMITED
MARK HUGHES & ASSOCIATES LIMITED
PARKER SAGE INDEPENDENT FINANCIAL ADVISERS LTD
PREMIER WEALTH MANAGEMENT HARROGATE LIMITED
PRIVATE CLIENT WEALTH MANAGEMENT (YORKSHIRE) LIMITED
QUEST FINANCIAL MANAGEMENT LIMITED
ROXBOROUGH CONSULTANCY LTD.
SHOO 535 LIMITED
STRAND HOUSE WEALTH MANAGEMENT LIMITED
WORKPLACE (PAYROLL AND PERSONNEL) LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Oct-2019 31-May-2016 31-May-2015
Balance Sheet
Fixed Assets 154,878 154,878 154,878
Current Assets 317 317 317
Creditors Due Within One Year 108,780 108,780 108,780
Working Cap -108,463 -108,463 -108,463
Total Assets Less Current Liabilities 46,415 46,415 46,415
Long-term Liabilities 0 0 0
Net Assets 46,415 46,415 46,415
Share Capital & Reserves
Share Cap 3,345 3,345 3,345
Profit & Loss Reserves 39,726 39,726 39,726
Other Reserves 3,344 3,344 3,344
Shareholders Funds 46,415 46,415 46,415
Common Size Financial Analysis Unlock full report
Accounts Date 31-Oct-2019 31-May-2016 31-May-2015
Tangible Fixed Assets - - -
Fixed Assets 99.8% 99.8% 99.8%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand 0.2% 0.2% 0.2%
Current Assets 0.2% 0.2% 0.2%
Creditors Due Within One Year 70.1% 70.1% 70.1%
Net Current Assets Liabilities -69.9% -69.9% -69.9%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 29.9% 29.9% 29.9%
Called Up Share Capital 2.2% 2.2% 2.2%
Share Capital Allotted Called Up Paid 0.3% 0.3% 0.3%
Profit Loss Account Reserve 25.6% 25.6% 25.6%
Shareholder Funds 29.9% 29.9% 29.9%
Capital Employed - - -
Total Assets Less Current Liabilities 29.9% 29.9% 29.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Oct-2019 31-May-2016 31-May-2015
Liquidity Ratio 0.0 0.0 0.0
Solvency Ratio 1.4 1.4 1.4
Reserves to Assets 0.3 0.3 0.3
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Oct-2019 31-May-2016 31-May-2015
Assets 155,195 155,195 155,195
Debt 108,780 108,780 108,780
Net Assets/Debt 46,415 46,415 46,415
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 B60 4JE
ORIGIN FINANCIAL LIMITED
Afh House Buntsford Drive, Stoke Heath, Bromsgrove, Worcestershire, B60 4JE
EUNISURE FINANCIAL LIMITED
Afh House Buntsford Drive, Stoke Heath, Bromsgrove, B60 4JE
SOFTWORKS COMPUTING (UK) LIMITED
18 YORK ROAD, MAIDENHEAD, BERKSHIRE, B60 4JE
AFH LEGAL LIMITED
AFH HOUSE BUNTSFORD DRIVE, STOKE HEATH, BROMSGROVE, B60 4JE
K.L. PLESTER FINANCIAL SERVICES HOLDINGS LIMITED
Afh House Buntsford Drive, Stoke Heath, Bromsgrove, Worcestershire, B60 4JE
AFH PARTNERS LIMITED
Afh House Buntsford Drive, Stoke Heath, Bromsgrove, Worcestershire, B60 4JE
AFH PROTECTION GROUP LIMITED
Afh House Buntsford Drive, Stoke Heath, Bromsgrove, Worcestershire, B60 4JE
AFH ACQUISITIONS LIMITED
AFH HOUSE BUNTSFORD DRIVE, STOKE HEATH, BROMSGROVE, WORCESTERSHIRE, B60 4JE
DUCHY WEALTH MANAGEMENT LIMITED
Afh House Buntsford Drive, Stoke Heath, Bromsgrove, B60 4JE
AFH FINANCIAL GROUP LIMITED
AFH HOUSE BUNTSFORD DRIVE, STOKE HEATH, BROMSGROVE, WORCESTERSHIRE, B60 4JE
Document Filings
Final Gazette dissolved via voluntary strike-off
First Gazette notice for voluntary strike-off
Application to strike the company off the register
Confirmation statement made on 30 April 2020 with no updates
Confirmation statement made on 30 April 2019 with no updates
Confirmation statement made on 1 May 2018 with no updates
Previous accounting period shortened from 20 February 2018 to 31 October 2017
Previous accounting period shortened from 31 October 2017 to 20 February 2017
Current accounting period extended from 31 May 2017 to 31 October 2017
Confirmation statement made on 1 May 2017 with updates
Termination of appointment of Simon Charles Durant as a director on 20 February 2017
Termination of appointment of Seamus Paul Coleman as a director on 20 February 2017
Termination of appointment of Valerie Jane Durant as a secretary on 20 February 2017
Termination of appointment of Veronica Ann Coleman as a secretary on 20 February 2017
Appointment of Mr Alan Hudson as a director on 20 February 2017
Appointment of Mr Paul Keith Wright as a director on 20 February 2017
Registered office address changed from 62 High Street Honiton Devon EX14 1PQ to Afh House Buntsford Drive Stoke Heath Bromsgrove B60 4JE on 22 February 2017
Annual return made up to 1 May 2016 with full list of shareholders
Secretary's details changed for Mrs Veronica Ann Coleman on 29 April 2015
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