Company Overview
Grafton Banks Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 01 July 2008, so this is a well established company. Grafton Banks Finance Limited has been in business for 17 years and 9 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Sheridan House, 114-116 Western Road, Hove, East Sussex, BN3 1DD
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Companies House Data
Company NameGRAFTON BANKS FINANCE LIMITED
Company Number06635245
Registered Office AddressSheridan House
 114-116 Western Road
 BN3 1DD
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date01/07/2008
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date02/08/2016
Returns Last Made Up Date05/07/2015
Directors & Members
Show Resigned
Emma Bavin - Director
(British, 42 years old, born January 1984)
Appointed 15 March 2021
 Active
Paul Bavin - Director
(British, 41 years old, born September 1985)
Appointed 15 March 2021
 Active
Amy Butler - Director
(British, 53 years old, born November 1973)
Appointed 23 September 2025
 Active
Alexander Gregory - Director
(British, 51 years old, born September 1975)
Appointed 21 January 2010
 Active
Nigel Jeyes - Director
(British, 64 years old, born December 1962)
Appointed 01 July 2008
 Active
Julia Jeyes - Director
(British, 57 years old, born July 1969)
Appointed 01 July 2008
 Active
Secretaries
Show Resigned
Other Company Directorships
Emma Bavin
GBF TRUSTEES LIMITED
Paul Bavin
GBF TRUSTEES LIMITED
Amy Butler
No companies found
Alexander Gregory
No companies found
Nigel Jeyes
GRAFTON BANKS LEGAL RECRUITMENT LIMITED
GRAFTON BANKS LIMITED
Julia Jeyes
GRAFTON BANKS LEGAL RECRUITMENT LIMITED
GRAFTON BANKS LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 4,898 4,898 3,736
Current Assets 450,673 450,673 529,799
Creditors Due Within One Year 158,569 158,569 141,610
Working Cap 292,104 292,104 388,189
Total Assets Less Current Liabilities 297,002 297,002 391,925
Long-term Liabilities 187,411 187,411 226,941
Net Assets 109,591 109,591 164,984
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 109,591 109,591 164,984
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 1.1% 1.1% 0.7%
Stocks Inventory - - -
Debtors 52.1% 52.1% 42.1%
Cash Bank In Hand 46.8% 46.8% 57.2%
Current Assets 98.9% 98.9% 99.3%
Creditors Due Within One Year 34.8% 34.8% 26.5%
Net Current Assets Liabilities 64.1% 64.1% 72.8%
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 24.1% 24.1% 30.9%
Capital Employed - - -
Total Assets Less Current Liabilities 65.2% 65.2% 73.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 2.8 2.8 3.7
Solvency Ratio 1.3 1.3 1.4
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 4
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 455,571 455,571 533,535
Debt 345,980 345,980 368,551
Net Assets/Debt 109,591 109,591 164,984

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 has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   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 has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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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L & C DEVELOPMENTS (HOVE) LIMITED
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NW NEWCO LIMITED
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GRAFTON BANKS LIMITED
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Document Filings
Appointment of Ms Amy Butler as a director on 23 September 2025
Confirmation statement made on 5 July 2025 with no updates
Confirmation statement made on 5 July 2024 with no updates
Confirmation statement made on 5 July 2023 with no updates
Satisfaction of charge 066352450004 in full
Confirmation statement made on 5 July 2022 with updates
Registration of charge 066352450004, created on 3 February 2022
Resolutions
Memorandum and Articles of Association
Cessation of Julia Kate Jeyes as a person with significant control on 22 December 2021
Cessation of Nigel James Jeyes as a person with significant control on 22 December 2021
Notification of Gbf Trustees Limited in Its Capacity as a Trustee of the Grafton Banks Employee Ownership Trust as a person with significant control on 22 December 2021
Notification of Julia Kate Jeyes as a person with significant control on 6 April 2016
Confirmation statement made on 5 July 2021 with no updates
Appointment of Mr Paul Bavin as a director on 15 March 2021
Appointment of Mrs Emma Bavin as a director on 15 March 2021
Confirmation statement made on 5 July 2020 with no updates
Registration of charge 066352450003, created on 5 June 2020
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