BHSF GROUP LIMITED
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Cash
—
Latest balance sheet
Net assets
£15m
-10.8% lowest in 3 filed years
Employees
134
-43.5% lowest in 3 filed years
Profit before tax
-£2m
+42% highest in 3 filed years
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 |
|---|---|---|---|---|---|
| Gross written premiums | — | £39,648,000 | £41,496,000 | +4.7% | |
| Net earned premiums | — | £39,509,000 | £41,198,000 | +4.3% | |
| Claims incurred | — | £32,138,000 | £31,605,000 | -1.7% | |
| Investment return | — | £917,000 | £1,066,000 | +16.2% | |
| Profit before tax | -£7,642,000 | -£3,436,000 | -£1,993,000 | +42% | |
| Net profit | -£7,598,000 | -£3,283,000 | -£1,945,000 | +40.8% | |
| Insurance contract liabilities | — | — | — | — | |
| Total assets | £24,718,000 | £22,792,000 | £20,838,000 | -8.6% | |
| Total liabilities | £7,682,000 | £6,393,000 | £6,214,000 | -2.8% | |
| Equity | £17,036,000 | £16,399,000 | £14,624,000 | -10.8% | |
| Average employees | 269 | 237 | 134 | -43.5% |
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 |
|---|---|---|---|---|
| Net margin | -16.3% | -6.2% | — | |
| Gearing (liabilities / total assets) | 31.1% | 28.0% | 29.8% | |
| Current ratio | 1.96x | 2.61x | — |
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.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have a reasonable expectation that the Company and its Group have adequate resources to continue in operational existence for the foreseeable future. The Company and its Group are adequately solvent under regulatory measures and have access to liquid assets far in excess of their liabilities.”
Group structure
- BHSF GROUP LIMITED · parent
- BHSF Limited 100%
- BHSF Management Services Limited 100%
- BHSF Employee Benefits Limited 100%
- BHSF Corporate Healthcare (Holdings) Limited 100%
- BHSF Medical Practice Limited 100%
- Nexus Healthcare Limited 100%
Significant events
- “Sale of BHSF Occupational Health Limited to Optima Health Plc in January 2025.”
- “Launch of a new Health and Wellbeing Plan in 2025.”
- “Start of a new app development project, with launch expected in 2026.”
- “Launch of a new insurance system with initial customer onboarding and migration in 2025.”
- “Moved into a slightly smaller and more contemporary office space at 54 Hagley Road in Birmingham.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 38 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| COATES, Caroline Amanda, Mrs. | Director | 2020-03-10 | Jun 1969 | British |
| FOWLER, Sara | Director | 2018-07-01 | Apr 1959 | British |
| HAYHURST, Stuart | Director | 2024-04-02 | Jan 1974 | British |
| HICKMAN, Darren James | Director | 2024-04-01 | Jun 1963 | British |
| MCKINNA, Alison Heather | Director | 2022-03-01 | May 1967 | British |
| ROSS, Thomas Christopher | Director | 2017-11-13 | Jan 1987 | British |
| SAGGU, Jasvinder Singh, Dr | Director | 2022-06-06 | Jun 1962 | British |
Show 38 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BOUGHTON, Steven Alfred | Secretary | 2003-10-01 | 2008-09-12 |
| NUTTALL, David Kenneth | Secretary | 2003-05-16 | 2003-10-01 |
| TAYLOR, Charlotte Mary | Secretary | 2008-09-15 | 2020-02-14 |
| ASHBOURNE, Philip Victor | Director | 2003-07-02 | 2013-09-30 |
| BEGG, William George | Director | 2015-11-23 | 2017-05-02 |
| BIELBY, Julie | Director | 2003-07-02 | 2008-05-22 |
| BONEHILL, Jill | Director | 2015-11-23 | 2022-06-11 |
| CHAPMAN, Michael Peter | Director | 2003-07-02 | 2009-12-31 |
| COOMBES, Carol Lesley | Director | 2014-10-20 | 2019-08-13 |
| COWDRILL, Gary Terence | Director | 2015-12-11 | 2024-09-30 |
| D'CRUZ, Hilary Grace | Director | 2014-10-08 | 2017-02-28 |
| DALE, Jane Elizabeth | Director | 2016-02-24 | 2017-05-18 |
| EDMONDS, David James | Director | 2013-07-31 | 2015-09-30 |
| GALER, Ian Richard | Director | 2014-09-01 | 2021-09-30 |
| GUERIN, Geoffrey Michael Walter | Director | 2014-02-01 | 2022-02-01 |
| HALL, Brian | Director | 2003-07-02 | 2020-10-05 |
| HALL, Stephen Garrick | Director | 2003-05-16 | 2008-05-22 |
| HARDY, John Christopher | Director | 2014-07-02 | 2020-07-02 |
| HOPE, Adrian | Director | 2017-10-05 | 2020-08-14 |
| KANAS, Robert Paul, Dr | Director | 2003-05-16 | 2015-12-31 |
| MACAULEY, Andrew | Director | 2003-07-02 | 2008-05-22 |
| MACKAY, Neil Donald | Director | 2009-01-14 | 2018-01-14 |
| MALONE, Michael Thomas | Director | 2003-05-16 | 2008-05-22 |
| MASKELL, Peter John | Director | 2003-05-16 | 2017-08-31 |
| MCCREA, Anthony Philip, Dr | Director | 2016-01-13 | 2018-04-01 |
| MILNER, Andrew, Dr | Director | 2013-11-14 | 2020-08-31 |
| MILNER, Andrew, Dr | Director | 2003-07-02 | 2009-04-01 |
| NUTTALL, David Kenneth | Director | 2014-02-01 | 2019-12-20 |
| OXOTBY, David | Director | 2008-04-02 | 2015-07-30 |
| PARKER, Christina | Director | 2003-07-02 | 2008-05-22 |
| READ, David John | Director | 2003-05-16 | 2008-05-22 |
| SALMONS, James | Director | 2003-07-02 | 2008-05-22 |
| SIMS, Michael Paul | Director | 2014-02-01 | 2016-03-21 |
| SPENCE, John Casey | Director | 2003-07-02 | 2014-07-02 |
| STEWART, Heidi | Director | 2021-09-24 | 2024-04-01 |
| TAYLOR, Charlotte Mary | Director | 2014-02-01 | 2018-04-01 |
| WIGGIN, Christopher Charles | Director | 2017-07-17 | 2022-03-27 |
| WRIGHT, Nicholas Anthony | Director | 2005-05-01 | 2014-08-31 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 155 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-07 | AA | accounts | Accounts with accounts type group | |
| 2026-05-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-13 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-08-18 | AA | accounts | Accounts with accounts type group | |
| 2025-05-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-08 | AAMD | accounts | Accounts amended with accounts type group | |
| 2024-10-07 | TM01 | officers | Termination director company with name termination date | |
| 2024-08-16 | AA | accounts | Accounts with accounts type group | |
| 2024-05-24 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-19 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-18 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-16 | TM01 | officers | Termination director company with name termination date | |
| 2023-11-16 | CH01 | officers | Change person director company with change date | |
| 2023-10-06 | AA | accounts | Accounts with accounts type group | |
| 2023-05-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-09-13 | AA | accounts | Accounts with accounts type group | |
| 2022-06-17 | AP01 | officers | Appoint person director company with name date | |
| 2022-06-13 | TM01 | officers | Termination director company with name termination date | |
| 2022-05-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-03-29 | TM01 | officers | Termination director company with name termination date |
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.