BHSF LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-07-08 (in 2mo)
Last made up 2025-06-24
Watchouts
None on the register
Cash
—
Latest balance sheet
Net assets
£15M
-19.1% vs 2023
Employees
—
Average over period
Profit before tax
-£4M
+38.8% vs 2023
Name history
Renamed 1 time since incorporation
- BHSF LIMITED 2003-07-01 → present
- BIRMINGHAM HOSPITAL SATURDAY FUND LIMITED(THE) 1891-12-29 → 2003-07-01
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Gross written premiums | £36,822,000 | £39,648,000 | |
| Net earned premiums | £36,621,000 | £39,509,000 | |
| Claims incurred | £31,540,000 | £32,138,000 | |
| Investment return | £1,340,000 | £834,000 | |
| Profit before tax | -£6,317,000 | -£3,869,000 | |
| Net profit | -£6,270,000 | -£3,723,000 | |
| Insurance contract liabilities | £1,889,000 | £1,688,000 | |
| Total assets | £23,456,000 | £20,971,000 | |
| Total liabilities | £5,099,000 | £6,113,000 | |
| Equity | £18,357,000 | £14,858,000 | |
| Average employees | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Gearing (liabilities / total assets) | 21.7% | 29.1% |
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
- Auditor
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future. The Company is adequately solvent under regulatory measures (see note 12C) and has access to liquid assets far in excess of its liabilities. Therefore the Company continues to adopt the going concern basis in preparing its financial statements.”
Group structure
- BHSF LIMITED · parent
- BHSF Management Services Limited 100%
- BHSF Occupational Health Limited 100%
- BHSF Medical Practice Limited 100%
- Nexus Healthcare Limited 100%
Significant events
- “Following the conclusion of the 2024 financial year, on 31 January 2025 the Company sold 100% of its shares in BHSF Occupational Health Limited on a cash-free, debt-free basis for cash consideration of £1.4m. This is not an adjusting event - there have been no adjustments to the financial statements for the year ending 31 December 2024 as a result of the sale.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 54 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 |
| HAYHURST, Stuart | Director | 2023-06-07 | Jan 1974 | British |
| HICKMAN, Darren James | Director | 2024-04-01 | Jun 1963 | British |
| MCKINNA, Alison Heather | Director | 2023-06-07 | May 1967 | British |
| ROSS, Thomas Christopher | Director | 2017-11-13 | Jan 1987 | British |
| SAGGU, Jasvinder Singh, Dr | Director | 2023-06-07 | Jun 1962 | British |
Show 54 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BOUGHTON, Steven Alfred | Secretary | 2003-10-01 | 2008-09-12 |
| MASKELL, Peter John | Secretary | 1999-05-04 | 2002-01-13 |
| NUTTALL, David Kenneth | Secretary | 2001-01-14 | 2003-10-01 |
| PEERS, Peter John | Secretary | — | 1999-05-02 |
| TAYLOR, Charlotte Mary | Secretary | 2008-09-15 | 2020-02-14 |
| ADAMS, Brian | Director | 2000-08-17 | 2001-12-31 |
| ASHBOURNE, Philip Victor | Director | 2000-08-17 | 2013-09-30 |
| BEGG, William George | Director | 2008-05-01 | 2015-11-23 |
| BIELBY, Julie | Director | 2001-12-12 | 2003-07-02 |
| BONEHILL, Jill | Director | 2014-05-15 | 2015-11-23 |
| CHAPMAN, Michael Peter | Director | 2001-10-01 | 2009-12-31 |
| COWDRILL, Gary Terence | Director | 2016-07-19 | 2024-09-30 |
| CUTTING, Denise Lesley | Director | — | 1994-03-09 |
| DALE, Jane Elizabeth | Director | 2016-02-24 | 2017-05-18 |
| EADE, Kenneth William | Director | 1994-03-09 | 1999-09-30 |
| EDMONDS, David James | Director | 2009-02-09 | 2013-07-30 |
| FOSTER, Alan | Director | — | 1998-01-16 |
| FRADD, Elizabeth Harriet, Dame | Director | 1996-05-23 | 1999-03-10 |
| GALER, Ian Richard | Director | 2014-09-01 | 2018-05-01 |
| GRATTIDGE, Frederick James, Councillor | Director | — | 1992-09-16 |
| GUERIN, Geoffrey Michael Walter | Director | 2014-02-01 | 2022-02-01 |
| GUNNELL, Christopher Michael | Director | 2014-02-01 | 2016-03-17 |
| HALL, Brian | Director | 2016-08-25 | 2020-10-05 |
| HALL, Brian | Director | 2001-10-01 | 2020-10-05 |
| HALL, Stephen Garrick | Director | — | 2008-05-22 |
| HARDY, John Christopher | Director | 2016-08-25 | 2020-07-02 |
| HARRISON, Albert | Director | — | 1993-12-08 |
| HICKMAN, Eric Sydney | Director | 1998-06-10 | 2003-06-17 |
| HOPE, Adrian | Director | 2016-10-11 | 2018-05-01 |
| KANAS, Robert Paul, Dr | Director | — | 2015-12-31 |
| MACAULAY, Andrew | Director | 2001-10-01 | 2008-05-22 |
| MACKAY, Neil Donald | Director | 2016-08-25 | 2018-01-14 |
| MALONE, Michael Thomas | Director | 1999-12-08 | 2003-07-02 |
| MASKELL, Peter John | Director | 2000-06-07 | 2017-08-31 |
| MILNER, Andrew, Dr | Director | 2016-08-25 | 2020-08-31 |
| MILNER, Andrew, Dr | Director | 2001-12-12 | 2003-07-02 |
| NUTTALL, David Kenneth | Director | 2008-08-01 | 2018-05-01 |
| O'MALLEY, Peter | Director | 1993-12-08 | 1994-07-05 |
| PAGE, Thomas Geoffrey | Director | 1991-09-11 | 1999-09-30 |
| PARKER, Christina | Director | 2000-03-08 | 2003-07-02 |
| PERRIS, David Arthur, Sir | Director | — | 2000-05-25 |
| PETTIT, Chum | Director | 1994-09-14 | 1998-05-31 |
| PHILLIPS, Alan Ralph | Director | 1999-09-08 | 2000-01-05 |
| READ, David John | Director | 1996-06-12 | 2008-05-22 |
| SALMONS, James | Director | 1999-03-10 | 2008-05-22 |
| SIMS, Michael Paul | Director | 2008-08-01 | 2016-03-21 |
| SPENCE, John Casey | Director | 2000-08-17 | 2009-06-12 |
| SPENCE, John Casey | Director | 1996-05-23 | 1999-04-23 |
| STEWART, Heidi | Director | 2023-06-07 | 2024-04-01 |
| TAYLOR, Charlotte Mary | Director | 2012-09-03 | 2018-05-01 |
| TIZARD, Judith | Director | — | 1993-12-08 |
| WINGROVE, John Stephen | Director | — | 1997-08-05 |
| WRIGHT, Nicholas Anthony | Director | 2005-05-01 | 2014-08-31 |
| ZANIN, Ettore Dante Giuseppe | Director | 1992-05-21 | 1996-01-02 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Bhsf Group Limited | Corporate entity | Voting 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 235 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-10-13 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-08-28 | AA | accounts | Accounts with accounts type full | |
| 2025-07-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-07 | TM01 | officers | Termination director company with name termination date | |
| 2024-08-16 | AA | accounts | Accounts with accounts type full | |
| 2024-06-24 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-24 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 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 full | |
| 2023-07-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-06-29 | AP01 | officers | Appoint person director company with name date | |
| 2023-06-28 | AP01 | officers | Appoint person director company with name date | |
| 2023-06-28 | AP01 | officers | Appoint person director company with name date | |
| 2023-06-28 | AP01 | officers | Appoint person director company with name date | |
| 2022-07-26 | AA | accounts | Accounts with accounts type full | |
| 2022-07-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-02-24 | TM01 | officers | Termination director company with name termination date | |
| 2021-09-01 | AD01 | address | Change registered office address company with date old address new address |
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.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Gross written premiums
+7.7%
£36,822,000 £39,648,000
-
Net earned premiums
+7.9%
£36,621,000 £39,509,000
-
Profit before tax
+38.8%
-£6,317,000 -£3,869,000
-
Equity
-19.1%
£18,357,000 £14,858,000
-
Claims incurred
+1.9%
£31,540,000 £32,138,000
-
Insurance contract liabilities
-10.6%
£1,889,000 £1,688,000
-
Investment return
-37.8%
£1,340,000 £834,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers