BGL DIRECT LIFE LIMITED
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Cash
£0
-100% lowest in 3 filed years
Net assets
£204k
+4.1% vs 2024
Employees
—
Average over period
Profit before tax
£8k
-94.8% first positive since 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Accounts not prepared on a going-concern basis
As the Company has ceased trading, the Directors have prepared the financial statements on a basis other than going concern.
-
Going-concern uncertainty disclosed
Net assets
3-year trend · vs Unclassified 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 | £13,417,000 | £3,167,000 | £0 | -100% | |
| Operating profit | -£2,524,000 | £68,000 | £0 | -100% | |
| Profit before tax | -£2,399,000 | £153,000 | £8,000 | -94.8% | |
| Net profit | -£2,570,000 | -£27,000 | £8,000 | +129.6% | |
| Cash | £3,559,000 | £1,016,000 | £0 | -100% | |
| Total assets less current liabilities | — | £196,000 | £204,000 | +4.1% | |
| Net assets | £223,000 | £196,000 | £204,000 | +4.1% | |
| Equity | £223,000 | £196,000 | £204,000 | +4.1% | |
| Average employees | 78 | 83 | — | — | |
| Wages | £4,717,000 | £2,321,000 | — | — | |
| Directors' remuneration | £0 | £0 | £0 | — | |
| Directors' pension contributions | £0 | £0 | — | — | |
| Highest paid director | £0 | £0 | — | — |
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 | -18.8% | 2.1% | — | |
| Net margin | -19.2% | -0.9% | — | |
| Return on capital employed | — | 34.7% | 0.0% | |
| Gearing (liabilities / total assets) | 99.3% | 98.7% | 0.0% | |
| Current ratio | 1.03x | 1.01x | — | |
| Interest cover | — | 34.00x | 0.00x |
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 101
- Reporting scope
- Standalone (parent only)
- Audit opinion
- Unaudited (audit-exempt)
- Going concern
- Not a going concern (break-up basis)
“As the Company has ceased trading, the Directors have prepared the financial statements on a basis other than going concern.”
Significant events
- “In September 2023 the Company ceased the intermediation of new external business...”
- “The Directors transferred the trade to OneFamily Advice Limited (OFA) during 2024.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 32 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GREEN, Josie | Secretary | 2023-11-01 | — | — |
| HERZ, Philippa Jane | Director | 2023-04-05 | Aug 1968 | British |
| ISLAM, Jamshaid | Director | 2023-05-22 | Feb 1975 | British |
Show 32 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ALLFORD, Simon | Secretary | 2022-11-30 | 2023-10-31 |
| BROWN, Julian Charles | Secretary | 2018-02-14 | 2021-09-30 |
| HOBLEY, Elizabeth Anne | Secretary | 2021-10-01 | 2022-04-29 |
| PAYNE, Christopher James | Secretary | 2022-04-29 | 2022-11-30 |
| SIMMS, Ronald Fitzgerald | Secretary | 2015-09-23 | 2016-10-20 |
| WATERS, Paul | Secretary | 2016-10-20 | 2018-02-14 |
| WRIGHT, Neville Eric | Secretary | 2013-02-11 | 2015-09-23 |
| BAILIE, Mark Mccracken | Director | 2020-09-01 | 2021-07-01 |
| CHUNG, Katherine Hae-Eun | Director | 2021-07-01 | 2022-04-29 |
| COLLINGS, Christopher Thomas | Director | 2022-04-29 | 2022-11-30 |
| DESPAS, Gilles | Director | 2017-12-01 | 2018-10-31 |
| DONALDSON, Matthew Oliver | Director | 2022-04-29 | 2022-11-30 |
| DONALDSON, Matthew Oliver | Director | 2013-07-01 | 2019-10-14 |
| ENGLAND, Michael James Peter | Director | 2022-04-29 | 2022-11-30 |
| FINCH, Duncan Alistair, Mr | Director | 2017-12-01 | 2022-04-29 |
| HIND, Melanie Elizabeth | Director | 2023-04-03 | 2023-12-29 |
| HOSKINS, Richard | Director | 2021-07-01 | 2022-04-29 |
| JACKSON, Patricia Doreen | Director | 2021-07-01 | 2022-01-31 |
| KEATING, Seamus Declan | Director | 2017-12-01 | 2021-12-01 |
| LEECH, Ian Robert | Director | 2021-07-01 | 2022-04-29 |
| LEECH, Ian Robert | Director | 2011-10-14 | 2013-06-30 |
| LENMAN, Alasdair Bruce | Director | 2013-07-01 | 2015-12-31 |
| LINDSAY, Graham John | Director | 2023-05-22 | 2023-12-29 |
| NYAHASHA, Shingirai Thaddeus | Director | 2023-04-03 | 2023-11-30 |
| PLATT, Dominic James | Director | 2016-10-26 | 2022-04-29 |
| REGAN, Michael Robert | Director | 2022-04-29 | 2022-06-14 |
| REGAN, Michael Robert | Director | 2019-10-14 | 2021-07-01 |
| ROSE, Alistair | Director | 2022-11-30 | 2024-05-31 |
| SHAKED, Golan | Director | 2019-07-19 | 2022-04-29 |
| SPENCER, Kevin Ronald | Director | 2022-06-18 | 2022-11-30 |
| THOMPSON, Peter | Director | 2017-12-01 | 2022-11-30 |
| WINSLOW, Peter Anthony | Director | 2011-10-14 | 2013-06-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Family Assurance Friendly Society Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2022-12-01 | Active |
| Bisl Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-06-30 | Ceased 2022-11-30 |
Filing timeline
Last 20 of 126 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-10-16 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-25 | AA | accounts | Accounts with accounts type full | |
| 2026-07-04 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-14 | GUARANTEE2 | other | Legacy | |
| 2025-10-14 | PARENT_ACC | accounts | Legacy | |
| 2025-10-14 | AGREEMENT2 | other | Legacy | |
| 2025-09-22 | AA | accounts | Accounts with accounts type full | |
| 2025-07-11 | CH01 | officers | Change person director company with change date | |
| 2025-07-11 | CH01 | officers | Change person director company with change date | |
| 2025-07-11 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-10-16 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2024-10-16 | SH20 | capital | Legacy | |
| 2024-10-16 | CAP-SS | insolvency | Legacy | |
| 2024-10-16 | RESOLUTIONS | resolution | Resolution | |
| 2024-09-24 | AA | accounts | Accounts with accounts type full | |
| 2024-07-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-03 | TM01 | officers | Termination director company with name termination date | |
| 2024-01-10 | TM01 | officers | Termination director company with name termination date | |
| 2024-01-10 | TM01 | officers | Termination director company with name termination date | |
| 2024-01-05 | AA | accounts | Accounts with accounts type full | |
| 2023-12-06 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- Capital events
- 2
- 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.