BHSF EMPLOYEE BENEFITS LIMITED
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Cash
£405k
+22.7% highest in 3 filed years
Net assets
£556k
+103.7% highest in 3 filed years
Employees
44
+2.3% vs 2024
Profit before tax
£283k
-35.2% first positive since 2023
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £2,479,000 | £2,633,000 | £2,565,000 | -2.6% | |
| Operating profit | -£576,000 | £294,000 | £283,000 | -3.7% | |
| Profit before tax | -£576,000 | £437,000 | £283,000 | -35.2% | |
| Net profit | -£576,000 | £438,000 | £283,000 | -35.4% | |
| Cash | £165,000 | £330,000 | £405,000 | +22.7% | |
| Total assets less current liabilities | -£290,000 | £273,000 | £556,000 | +103.7% | |
| Net assets | -£290,000 | £273,000 | £556,000 | +103.7% | |
| Equity | -£290,000 | £273,000 | £556,000 | +103.7% | |
| Average employees | 49 | 43 | 44 | +2.3% | |
| Wages | £1,855,000 | £1,452,000 | £1,424,000 | -1.9% | |
| Directors' remuneration | — | — | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | -23.2% | 11.2% | 11.0% | |
| Net margin | -23.2% | 16.6% | 11.0% | |
| Return on capital employed | — | 107.7% | 50.9% | |
| Gearing (liabilities / total assets) | 111.5% | 91.2% | 84.1% | |
| Current ratio | 0.86x | 1.10x | 1.19x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 1 time since incorporation
- BHSF EMPLOYEE BENEFITS LIMITED 2015-04-01 → present
- BHSF SERVICES LIMITED 1999-12-16 → 2015-04-01
Audit & accounting basis
- Accounting basis
- FRS 102
- Abridged
- Yes — abridged accounts (limited disclosure)
- Auditor
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“At the date of approval of these financial statements, the Directors' cash flow and profit forecasts up to 31 December 2028 give the Directors a reasonable expectation that the Company's financial position will remain stable and that the Company will return modest profits each year. As a result, the Directors assess that the adoption of the going concern assumption is appropriate for these financial statements.”
Significant events
- “The principal risks facing the Company are operational in nature; that is they relate to the risk of failure of processes, systems or people.”
- “The Company faces regulatory conduct risk in respect of the day-to-day actions of its staff in selling regulated insurance business.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 32 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| COATES, Caroline Amanda, Mrs. | Director | 2020-07-03 | Jun 1969 | British |
| FOWLER, Sara | Director | 2020-09-01 | Apr 1959 | British |
| ROSS, Thomas Christopher | Director | 2017-11-13 | Jan 1987 | British |
| SAGGU, Jasvinder Singh, Dr | Director | 2022-06-06 | Jun 1962 | British |
Show 32 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ADAMS, Brian | Secretary | 1999-12-16 | 2001-12-31 |
| BOUGHTON, Steven Alfred | Secretary | 2003-10-01 | 2008-09-12 |
| NUTTALL, David Kenneth | Secretary | 2002-03-06 | 2003-10-01 |
| TAYLOR, Charlotte Mary | Secretary | 2008-09-15 | 2020-02-14 |
| ADAMS, Brian | Director | 1999-12-16 | 2001-12-31 |
| ASHBOURNE, Philip Victor | Director | 2002-04-24 | 2013-09-30 |
| BEGG, William George | Director | 2008-05-01 | 2015-11-23 |
| BONEHILL, Jill | Director | 2018-05-01 | 2022-05-15 |
| BONEHILL, Jill | Director | 2014-05-15 | 2015-11-23 |
| COWDRILL, Gary Terence | Director | 2016-07-19 | 2018-05-01 |
| DALE, Jane Elizabeth | Director | 2016-02-24 | 2017-05-18 |
| EDMONDS, David James | Director | 2009-02-09 | 2013-07-31 |
| GALER, Ian Richard | Director | 2014-09-01 | 2018-05-01 |
| GUERIN, Geoffrey Michael Walter | Director | 2020-10-08 | 2022-02-01 |
| GUERIN, Geoffrey Michael Walter | Director | 2014-02-01 | 2018-05-01 |
| GUNNELL, Christopher Michael | Director | 2013-12-31 | 2016-03-17 |
| HALL, Brian | Director | 2007-03-06 | 2020-10-05 |
| HALL, Stephen Garrick | Director | 2000-01-05 | 2003-07-02 |
| HARDY, John Christopher | Director | 2016-11-16 | 2020-07-02 |
| HOPE, Adrian | Director | 2016-10-11 | 2018-05-01 |
| KANAS, Robert Paul, Dr | Director | 1999-12-16 | 2015-12-31 |
| MACAULEY, Andrew | Director | 2003-07-02 | 2008-05-22 |
| MACKAY, Neil Donald | Director | 2016-11-16 | 2018-01-14 |
| MALONE, Michael Thomas | Director | 2002-07-03 | 2008-05-22 |
| MASKELL, Peter John | Director | 1999-12-16 | 2017-08-31 |
| MILNER, Andrew, Dr | Director | 2016-11-16 | 2020-08-31 |
| NUTTALL, David Kenneth | Director | 2008-08-01 | 2018-05-01 |
| PERRIS, David Arthur, Sir | Director | 1999-12-16 | 2000-05-25 |
| ROWLEY, Shelley | Director | 2022-01-01 | 2023-04-30 |
| SIMS, Michael Paul | Director | 2008-08-01 | 2016-03-21 |
| TAYLOR, Charlotte Mary | Director | 2012-09-03 | 2018-05-01 |
| WRIGHT, Nicholas Anthony | Director | 2005-05-01 | 2014-08-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Bhsf Group Limited | Corporate entity | Voting 75–100% (as firm), Significant influence, Significant influence (as firm) | 2016-04-06 | Active |
Filing timeline
Last 20 of 151 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-07 | AA | accounts | Accounts with accounts type full | |
| 2025-12-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-13 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-08-21 | AA | accounts | Accounts with accounts type full | |
| 2024-12-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-16 | AA | accounts | Accounts with accounts type full | |
| 2024-07-15 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2023-12-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-10-27 | AA | accounts | Accounts with accounts type full | |
| 2023-05-15 | TM01 | officers | Termination director company with name termination date | |
| 2022-12-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-07-26 | AA | accounts | Accounts with accounts type full | |
| 2022-06-17 | AP01 | officers | Appoint person director company with name date | |
| 2022-06-01 | TM01 | officers | Termination director company with name termination date | |
| 2022-02-24 | TM01 | officers | Termination director company with name termination date | |
| 2022-01-14 | AP01 | officers | Appoint person director company with name date | |
| 2021-12-22 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2021-09-01 | AD01 | address | Change registered office address company with date old address new address | |
| 2021-08-05 | AA | accounts | Accounts with accounts type full | |
| 2020-12-21 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.