Company Overview
Bishop & Co Mortgage Services Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 05 June 2013, so this is a well established company. Bishop & Co Mortgage Services Ltd has been in business for 12 years and 10 months. The accounts status is total exemption full and the accounts are next due on Saturday 28 February 2026.
Registered Address

20 Market Street, Clay Cross, Chesterfield, Derbyshire, S45 9JE
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Companies House Data
Company NameBISHOP & CO MORTGAGE SERVICES LTD
Company Number08557683
Registered Office Address20 Market Street
 Clay Cross
 S45 9JE
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date05/06/2013
Accounting Reference Date Day31
Accounting Reference Date Month5
Accounts Next Due Date28/02/2027
Accounts Last Made Up Date31/05/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date10/02/2017
Returns Last Made Up Date13/01/2016
Directors & Members
Show Resigned
Stacey Davies-Bowler - Director
(British, 54 years old, born March 1972)
Appointed 12 March 2021
 Active
Julie Davies-Bowler - Director
(British, 50 years old, born March 1976)
Appointed 12 March 2021
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Stacey Davies-Bowler
JOULES HOMES LIMITED
JOULES OPTIONS LIMITED
VILLAGE ESTATES (CHESTERFIELD) LIMITED
Julie Davies-Bowler
No companies found
Balance Sheet Unlock full report
Accounts Date 31-May-2025 31-May-2022 31-May-2021
Balance Sheet
Fixed Assets 62,274 62,274 68,763
Current Assets 108,224 108,224 93,659
Creditors Due Within One Year 14,551 14,551 8,822
Working Cap 93,673 93,673 84,837
Total Assets Less Current Liabilities 155,947 155,947 153,600
Long-term Liabilities 305 305 472
Net Assets 155,642 155,642 153,128
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 155,642 155,642 153,128
Common Size Financial Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2022 31-May-2021
Tangible Fixed Assets - - -
Fixed Assets 36.5% 36.5% 42.3%
Stocks Inventory - - -
Debtors 49.8% 49.8% 52.3%
Cash Bank In Hand 13.6% 13.6% 5.4%
Current Assets 63.5% 63.5% 57.7%
Creditors Due Within One Year 8.5% 8.5% 5.4%
Net Current Assets Liabilities 54.9% 54.9% 52.2%
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 91.3% 91.3% 94.3%
Capital Employed - - -
Total Assets Less Current Liabilities 91.5% 91.5% 94.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2022 31-May-2021
Liquidity Ratio 7.4 7.4 10.6
Solvency Ratio 11.5 11.5 17.5
Reserves to Assets - - -
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-May-2025 31-May-2022 31-May-2021
Assets 170,498 170,498 162,422
Debt 14,856 14,856 9,294
Net Assets/Debt 155,642 155,642 153,128

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. 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. 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. 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 13 January 2026 with no updates
Confirmation statement made on 13 January 2025 with no updates
Confirmation statement made on 13 January 2024 with no updates
Confirmation statement made on 13 January 2023 with updates
Change of details for Mr Stacey John Davies-Bowler as a person with significant control on 12 March 2021
Confirmation statement made on 13 January 2022 with no updates
Appointment of Mrs Julie Susan Davies-Bowler as a director on 12 March 2021
Termination of appointment of Mandy Jane Orton as a director on 12 March 2021
Termination of appointment of Paul Bean as a director on 12 March 2021
Notification of Julie Susan Davies-Bowler as a person with significant control on 12 March 2021
Appointment of Mr Stacey John Davies-Bowler as a director on 12 March 2021
Cessation of Mandy Jane Orton as a person with significant control on 12 March 2021
Cessation of Paul Bean as a person with significant control on 12 March 2021
Notification of Stacey John Davies-Bowler as a person with significant control on 12 March 2021
Confirmation statement made on 13 January 2021 with no updates
Confirmation statement made on 13 January 2020 with no updates
Confirmation statement made on 13 January 2019 with no updates
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