Company Overview
Bibby Financial Services (Europe) Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 31 March 2015, so this is a well established company. Bibby Financial Services (Europe) Limited has been in business for 11 years. The accounts status is group and the accounts are next due on Wednesday 30 September 2026.
Registered Address

3Rd Floor Walker House, Exchange Flags, Liverpool, L2 3YL
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Companies House Data
Company NameBIBBY FINANCIAL SERVICES (EUROPE) LIMITED
Company Number09519213
Registered Office Address3rd Floor Walker House
 Exchange Flags
 L2 3YL
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date31/03/2015
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryGROUP
Returns Next Due Date01/06/2017
Returns Last Made Up Date04/05/2016
Directors & Members
Show Resigned
Theovinder Chatha - Director
(British, 46 years old, born December 1980)
Appointed 23 September 2019
 Active
Tomasz Kukulski - Director
(Polish, 57 years old, born July 1969)
Appointed 31 January 2026
 Active
Ian Ramsden - Director
(British, 56 years old, born April 1970)
Appointed 31 October 2023
 Active
Axel Scholz - Director
(German, 58 years old, born November 1968)
Appointed 01 January 2021
 Active
Bibby Bros. & Co. (Management) Limited - Secretary
Appointed 31 March 2015
 Active
Secretaries
Bibby Bros. & Co. (Management) Limited - Secretary
Appointed 31 March 2015
 Active
Other Company Directorships
Theovinder Chatha
BFS MARINE FINANCE (HOLDINGS) LIMITED
BFS MARINE FINANCE (UK) LIMITED
BIBBY ASSET FINANCE LIMITED
BIBBY COMMERCIAL FINANCE LIMITED
BIBBY DEBT FINANCE LIMITED
BIBBY FACTORS BRISTOL LIMITED
BIBBY FACTORS INTERNATIONAL LIMITED
BIBBY FACTORS LEICESTER LIMITED
BIBBY FACTORS LIMITED
BIBBY FACTORS NORTHEAST LIMITED
BIBBY FACTORS NORTHWEST LIMITED
BIBBY FACTORS SCOTLAND LIMITED
BIBBY FACTORS SLOUGH LIMITED
BIBBY FACTORS SUSSEX LIMITED
BIBBY FACTORS WESSEX LIMITED
BIBBY FACTORS YORKSHIRE LIMITED
BIBBY FINANCE 1 LIMITED
BIBBY FINANCE 2 LIMITED
BIBBY FINANCIAL SERVICES (FX) LIMITED
BIBBY FINANCIAL SERVICES (UK) LIMITED
BIBBY FINANCIAL SERVICES LIMITED
BIBBY FOREIGN EXCHANGE (SOLUTIONS) LIMITED
BIBBY FOREIGN EXCHANGE LIMITED
BIBBY FS (HOLDINGS) LIMITED
BIBBY INVOICE DISCOUNTING LIMITED
BIBBY INVOICE FINANCE UK LIMITED
BIBBY LEASING LIMITED
BIBBY MANAGEMENT SERVICES LIMITED
BIBBY REVOLVING FINANCE LIMITED
BIBBY TRADE FACTORS LIMITED
BIBBY TRADE SERVICES LIMITED
BIBBY TRANSACTIONAL FINANCE LIMITED
COVERLY LIMITED
GLOBAL MANAGEMENT SERVICES LIMITED
Tomasz Kukulski
No companies found
Ian Ramsden
BFS CORPORATE FINANCIAL SOLUTIONS LIMITED
BIBBY ACF LIMITED
BIBBY ASSET FINANCE LIMITED
BIBBY COMMERCIAL FINANCE LIMITED
BIBBY CORPORATE FINANCIAL SOLUTIONS LIMITED
BIBBY DEBT FINANCE LIMITED
BIBBY FACTORS BEDFORD LIMITED
BIBBY FACTORS BOREHAMWOOD LIMITED
BIBBY FACTORS BRISTOL LIMITED
BIBBY FACTORS INTERNATIONAL LIMITED
BIBBY FACTORS LEICESTER LIMITED
BIBBY FACTORS LIMITED
BIBBY FACTORS NORTHEAST LIMITED
BIBBY FACTORS NORTHWEST LIMITED
BIBBY FACTORS SCOTLAND LIMITED
BIBBY FACTORS SLOUGH LIMITED
BIBBY FACTORS SUSSEX LIMITED
BIBBY FACTORS WESSEX LIMITED
BIBBY FACTORS YORKSHIRE LIMITED
BIBBY FINANCIAL SERVICES (UK) LIMITED
BIBBY FINANCIAL SERVICES LIMITED
BIBBY FS (HOLDINGS) LIMITED
BIBBY INVOICE DISCOUNTING LIMITED
BIBBY INVOICE FINANCE UK LIMITED
BIBBY LEASING LIMITED
BIBBY MANAGEMENT SERVICES LIMITED
BIBBY REVOLVING FINANCE LIMITED
BIBBY TRADE FACTORS LIMITED
BIBBY TRADE SERVICES LIMITED
BIBBY TRANSACTIONAL FINANCE LIMITED
CASHFLOW UK LIMITED
COVERLY LIMITED
FACTORING UK GROUP LIMITED
GLOBAL MANAGEMENT SERVICES LIMITED
Axel Scholz
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Balance Sheet
Fixed Assets 348,857 348,857 108,669
Current Assets 50,182,278 50,182,278 18,844,713
Creditors Due Within One Year 19,014,744 19,014,744 15,750,287
Working Cap 31,167,534 31,167,534 3,094,426
Total Assets Less Current Liabilities 31,516,391 31,516,391 3,203,095
Long-term Liabilities 29,183,978 29,183,978 1,199,082
Net Assets 2,332,413 2,332,413 2,004,013
Share Capital & Reserves
Share Cap 1 1 0
Profit & Loss Reserves 2,332,412 2,332,412 2,004,013
Other Reserves 0 0 0
Shareholders Funds 2,332,413 2,332,413 2,004,013
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Tangible Fixed Assets - - -
Fixed Assets 0.7% 0.7% 0.6%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 94.0% 94.0% 75.3%
Cash Bank In Hand 5.3% 5.3% 23.7%
Current Assets 99.3% 99.3% 99.4%
Creditors Due Within One Year 37.6% 37.6% 83.1%
Net Current Assets Liabilities 61.7% 61.7% 16.3%
Creditors Due After One Year 57.8% 57.8% 6.3%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 4.6% 4.6% 10.6%
Called Up Share Capital 0.0% 0.0% 0.0%
Share Capital Allotted Called Up Paid 0.0% 0.0% 0.0%
Profit Loss Account Reserve 4.6% 4.6% 10.6%
Shareholder Funds 4.6% 4.6% 10.6%
Capital Employed - - -
Total Assets Less Current Liabilities 62.4% 62.4% 16.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Liquidity Ratio 2.6 2.6 1.2
Solvency Ratio 1.0 1.0 1.1
Reserves to Assets 0.0 0.0 0.1
Secured Creditors Unlock full report
Mortgages Charges 11
Mortgages Outstanding 11
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Assets 50,531,135 50,531,135 18,953,382
Debt 48,198,722 48,198,722 16,949,369
Net Assets/Debt 2,332,413 2,332,413 2,004,013

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 as inferred by the balance sheet the amount of net assets represents a relatively small 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 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 as inferred by the balance sheet the amount of net assets represents a relatively small 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 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 as inferred by the balance sheet the amount of net assets represents a relatively small 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 Tomasz Kazmierz Kukulski as a director on 31 January 2026
Confirmation statement made on 8 May 2025 with no updates
Confirmation statement made on 8 May 2024 with no updates
Termination of appointment of Philip Anthony Tobin as a director on 31 October 2023
Appointment of Mr Ian Stuart Ramsden as a director on 31 October 2023
Confirmation statement made on 8 May 2023 with updates
Statement of capital on 29 March 2023
Statement by Directors
Solvency Statement dated 27/03/23
Resolutions
Registration of charge 095192130011, created on 30 May 2022
Confirmation statement made on 8 May 2022 with no updates
Director's details changed for Mr Axel Scholz on 28 November 2021
Second filing for the appointment of Theovinder Singh Chatha as a director
Confirmation statement made on 8 May 2021 with no updates
Registration of charge 095192130008, created on 1 April 2021
Registration of charge 095192130009, created on 1 April 2021
Registration of charge 095192130010, created on 29 March 2021
Termination of appointment of Paul Stack as a director on 6 April 2021
Appointment of Mr Axel Scholz as a director on 1 January 2021
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