WESLEYAN FINANCIAL SERVICES LIMITED

COLMORE CIRCUS, BIRMINGHAM, B4 6AR

Previous name: PROFESSIONAL AFFINITY GROUP SERVICES LIMITED (changed on 19-Jan-2005)

Company Number: 01651212
Incorporation date: 14-Jul-1982
Status: Active
Entity type: Private Limited Company

SIC codes:
65110 Life insurance

SUMMARY

This company is 41.8 years old and is currently active. It is controlled by Wesleyan Assurance Society. The company has positive equity (net assets) of GBP 23.3 million which has decreased from the previous year's figure of GBP 24.8 million. The latest reported revenue figure is GBP 52.4 million which is similar to the previous year's figure of GBP 50 million. Retained earnings is negative (GBP -99.7 million), which means the company has aggregate losses since it's inception or it has paid more dividends than it can afford; given the company's age, this is a sign of serious financial problems. The company has 4 active officers (directors or partners) who are or were officers of 12 other companies. The company has no public disputes filed on the Business Disputes Register. There is one court case involving the company that we are aware of.

FINANCIALS (BETA)

Next accounts due: 30-Sep-2024
Accounts Filed: FULL (31-Dec-2022)

P&L Financials:

Year end	Currency	Revenue	Operating profit	Interest Received	Tax	Net Profit GBP
31-Dec-2019	GBP	52,433,000	-16,632,000	90,000		-16,542,000
31-Dec-2018	GBP	50,038,000	-15,137,000	51,000	361,000	-14,725,000
31-Dec-2017	GBP	58,140,000	-5,331,000	15,000	1,352,000	-3,964,000
31-Dec-2016	GBP	58,261,000	-3,790,000	25,000	-3,765,000	-3,668,000
31-Dec-2015	GBP	56,567,000	-3,438,000	32,000	-3,406,000	-3,276,000
31-Dec-2014	GBP	53,714,000	-6,822,000	25,000	-6,797,000	-6,203,000
31-Dec-2013	GBP	49,460,000	-11,015,000	27,000		-10,503,000
31-Dec-2012	GBP	54,648,000	2,918,000	40,000		3,066,000

Balance Sheet Financials:

Year end	Currency	Cash	Current Assets	Current Liabilities	Share Capital	Retained Earnings	Net Assets
31-Dec-2019	GBP	22,633,000		8,719,000	123,000,000	-99,717,000	23,283,000
31-Dec-2018	GBP	22,004,000		8,846,000	108,000,000	-83,175,000	24,825,000
31-Dec-2017	GBP	11,235,000		7,897,000	82,000,000	-68,450,000	13,550,000
31-Dec-2016	GBP	10,959,000		7,715,000	77,000,000	-64,486,000	12,514,000
31-Dec-2015	GBP	16,120,000		5,953,000	77,000,000	-60,818,000	16,182,000
31-Dec-2014	GBP	16,690,000	20,878,000	9,004,000	70,000,000	-60,700,000	9,300,000
31-Dec-2013	GBP	16,112,000	20,033,000	6,397,000	65,000,000	-54,497,000	10,503,000
31-Dec-2012	GBP	16,919,000	20,456,000		55,000,000	-43,994,000	11,006,000

VALUATION EVENTS (BETA)

Year end	Currency	% Equity	Sum raised	Pre-Money Valuation*	Post-Money Valuation*	Enterprise Value**
31-Dec-2019	GBP	12.20%	15,000,000	108,000,000	123,000,000	93,181,500
31-Dec-2018	GBP	24.07%	26,000,000	82,000,000	108,000,000	78,380,500
31-Dec-2017	GBP	6.10%	5,000,000	77,000,000	82,000,000	68,403,000
31-Dec-2015	GBP	9.09%	7,000,000	70,000,000	77,000,000	57,095,000
31-Dec-2014	GBP	7.14%	5,000,000	65,000,000	70,000,000	51,099,000
31-Dec-2013	GBP	15.38%	10,000,000	55,000,000	65,000,000	43,484,500

* Average valuation during the period
** Estimated based on average Cash and Debt levels during period

DISPUTES

No disputes filed on www.disputesregister.org

COMPANY SECRETARY

Status	Name	Appointed on	Resigned on	Occupation	Nationality	All apointments (active/resigned)
Active	Selena Jane PRITCHARD	01 Jul 2018	18 Apr 2024			1 - 0
Resigned	Doug BRIGHT	01 Jan 2014	30 Jun 2018			0 - 1
Resigned	Joseph Alan John RODERICK	01 Dec 2012	01 Jan 2014			0 - 1
Resigned	Selena Jane PRITCHARD	01 Apr 2011	01 Dec 2012			0 - 1
Resigned	Joseph Alan John RODERICK	16 Sep 2002	31 Mar 2011	Chartered Accountant	British	1 - 18
Resigned	Roger Henry DOWSETT	05 Jun 2001	16 Sep 2002			0 - 4
Resigned	Christopher Gerard HUGHES		16 May 2001		British	1 - 3

DIRECTORS

Status	Name	Appointed on	Resigned on	Occupation	Nationality	All appointments (active/resigned)	Dissolved companies (rate)
Active	Rita BAJAJ	06 Feb 2024		Company Director	British	9 - 0	0 (0.0%)
Active	Ian MCCAIG	14 Dec 2023		Company Director	British	1 - 0	0 (0.0%)
Active	Linda Jane WALLACE	29 Jun 2021		Company Director	British	1 - 0	0 (0.0%)
Active	Harpreet Singh, Dr SOOD	29 Jun 2021		General Practitioner (Gp)	British	4 - 3	1 (14.3%)
Resigned	Andrew Frederick John NEDEN	29 Jun 2021	09 Nov 2023	Company Director	British	8 - 8	0 (0.0%)
Resigned	Thomas Richard HARRISON	12 May 2020	29 Sep 2023	Company Director	British	0 - 1	0 (0.0%)
Resigned	Carol Anne BOSTON	27 Sep 2019	30 Mar 2021	Company Director	British	1 - 2	0 (0.0%)
Resigned	Andrew James D'ARCY	15 Jun 2018	27 Sep 2019	Interim Chief Customer Officer	British	0 - 22	6 (27.3%)
Resigned	Alan Mark JONES	01 Aug 2014	07 Apr 2018	Director	British	0 - 3	2 (66.7%)
Resigned	Robert Huelin GREEN	02 Apr 2012	31 Aug 2015	Director	British	0 - 10	2 (20.0%)
Resigned	Andrew James D'ARCY	01 Jan 2011	19 Dec 2014	Director	British	0 - 22	6 (27.3%)
Resigned	Samantha Jane PORTER	01 Jan 2011	31 Jul 2015	Director	British	0 - 8	0 (0.0%)
Resigned	Clive BRIDGE	24 Sep 2010	31 Dec 2010	Director	British	1 - 18	3 (15.8%)
Resigned	Philip Harding GREEN	01 Jan 2010	31 Dec 2010	Businessman	British	1 - 6	3 (42.9%)
Resigned	WESLEYAN ASSURANCE SOCIETY	08 Sep 2009	27 Jan 2010			0 - 1	0 (0.0%)
Resigned	WESLEYAN FINANCIAL SERVICES LIMITED	08 Sep 2009	27 Jan 2010			0 - 1	0 (0.0%)
Resigned	Keith NICHOLSON	08 Sep 2009	31 Dec 2010	Company Director	British	0 - 6	0 (0.0%)
Resigned	Martin Paul HOWARD	05 Sep 2008	31 Dec 2010	Operations Director	British	0 - 8	0 (0.0%)
Resigned	Andrew Spencer DOMAN	01 Jul 2008	31 Jul 2009	Management Consultant	Australian	4 - 25	3 (10.3%)
Resigned	Derek ZISSMAN	09 May 2008	31 Dec 2009	Chartered Accountant	British	3 - 25	8 (28.6%)
Resigned	Stephen Nicholas DEUTSCH	01 Aug 2007	19 Dec 2014	Managing Director	British	0 - 23	4 (17.4%)
Resigned	Bryan Samuel, Dr JACKSON	05 May 2007	31 Dec 2010	Company Director	British	1 - 11	1 (8.3%)
Resigned	Timothy Francis PINDAR	01 May 2005	31 Dec 2010	Actuary	British	0 - 9	0 (0.0%)
Resigned	Michael Gwyn LEWIS	01 May 2005	31 Dec 2010	Investment Director	British	0 - 5	0 (0.0%)
Resigned	John David RUTTER	01 May 2005	31 Dec 2010	Company Director	British	0 - 13	0 (0.0%)
Resigned	Edward Michael WORLEY	01 May 2005	04 May 2007	Company Director	British	4 - 14	2 (11.1%)
Resigned	David Stanley TYRRELL	01 May 2005	07 May 2010	Company Director	British	0 - 4	0 (0.0%)
Resigned	Michael CHRISTOPHERS	01 May 2005	09 May 2008	Company Director	British	0 - 48	10 (20.8%)
Resigned	Ian John LAZENBY	01 Jan 2005	29 Aug 2008	Sales Director	British	0 - 6	0 (0.0%)
Resigned	Matthew John RODHOUSE	01 May 2004	31 Jul 2011	Business Controls Director	British	1 - 8	0 (0.0%)
Resigned	Lowry Druce MACLEAN	15 Sep 2003	07 May 2010	Company Director	British	0 - 27	2 (7.4%)
Resigned	Derek Alan BYFIELD	25 Jul 2003	31 Jan 2006	Operations Director	British	0 - 4	0 (0.0%)
Resigned	Peter Denis MCNAMARA	06 May 2003	23 Jul 2003	Managing Director	British	1 - 35	6 (16.7%)
Resigned	John David RUTTER	06 May 2003	30 Apr 2004	Finance Director	British	0 - 13	0 (0.0%)
Resigned	Craig William ERRINGTON	06 May 2003	31 Jul 2019	Chief Executive	British	0 - 25	3 (12.0%)
Resigned	Frank William BROOKS	16 Sep 2002	30 Apr 2005	Actuary	British	0 - 12	1 (8.3%)
Resigned	Leigh Nattrass WHITTINGHAM	22 Feb 2002	16 Sep 2002	Chartered Accountant	British	0 - 16	1 (6.3%)
Resigned	John Angus Mcvicar, Dr GARNER	22 Oct 2000	16 Sep 2002	General Medical Practitioner	British	0 - 7	0 (0.0%)
Resigned	Samuel Andrew James LOVE	01 Aug 2000	08 Feb 2002	Chartered Accountant	British	0 - 13	5 (38.5%)
Resigned	Phillip Eric GOODINGS	28 Sep 1999	01 Aug 2000	Finance Director	British	0 - 41	9 (22.0%)
Resigned	Ian Robert WILSON	17 Sep 1998	16 Sep 2002	Medical Practitioner	British	1 - 5	0 (0.0%)
Resigned	Ian Gibb, Dr BOGLE	17 Sep 1998	16 Sep 2002	General Medical Practitioner	British	0 - 6	1 (16.7%)
Resigned	Anthony Herbert, Sir GRABHAM	05 Mar 1998	16 Sep 2002	General Surgeon	British	0 - 8	1 (12.5%)
Resigned	Peter Fraser, Dr BENNIE	03 Nov 1997	17 Sep 1998	Psychiatrist	British	0 - 2	0 (0.0%)
Resigned	Ian Andrew FAIR	04 Jun 1997	25 Feb 1999	Insurance Broker	New Zealand	0 - 4	0 (0.0%)
Resigned	William James, Dr APPLEYARD	26 Sep 1996	16 Sep 2002	Consultant Paediatrician	British	0 - 6	0 (0.0%)
Resigned	Leigh Nattrass WHITTINGHAM	14 Aug 1995	30 Apr 1997	Chartered Accountant	British	0 - 16	1 (6.3%)
Resigned	John Peter HASTINGS BASS	23 Feb 1995	08 Feb 2002	Insurance Broker	British	0 - 23	2 (8.7%)
Resigned	Alexander Wiseman, Sir MACARA	13 Oct 1993	17 Sep 1998	Medical Practitioner	British	0 - 7	1 (14.3%)
Resigned	John Christopher WINN		11 Jul 2003	Financial Planning Director	British	0 - 3	0 (0.0%)
Resigned	Michael Anthony WILSON		28 Sep 2000	Medical Practitioner	British	0 - 4	0 (0.0%)
Resigned	Dennis WILLIAMSON		24 Feb 1995	Insurance Broker	British	0 - 5	2 (40.0%)
Resigned	Leigh Nattrass WHITTINGHAM		30 Apr 1997	Chartered Accountant	British	0 - 16	1 (6.3%)
Resigned	John Alistair, Doctor RIDDELL		18 Sep 1997	Medical Practitioner	British	0 - 8	0 (0.0%)
Resigned	Anthony Herbert, Sir GRABHAM		16 Sep 2002	General Surgeon	British	0 - 8	1 (12.5%)
Resigned	Robert Anthony, Doctor KEABLE-ELLIOTT		26 Sep 1996	Medical Practitioner	British	0 - 3	0 (0.0%)
Resigned	Jeremy Patrick, Dr LEE-POTTER		03 Oct 1993	Medical Practitioner	British	0 - 3	0 (0.0%)
Resigned	Martin John WAKELEY		08 Feb 2002	Insurance Broker	British	0 - 9	1 (11.1%)

Number of active directors: 4
Average tenure of active directors: 1.5 years
Average tenure of resigned directors: 2.8 years
Average active director Dissolution Rate: 3.6%

DIRECTOR APPOINTMENTS IN OTHER COMPANIES

Name	Rita BAJAJ	Ian MCCAIG	Linda Jane WALLACE	Harpreet Singh, Dr SOOD
ECCLESIASTICAL INSURANCE OFFICE PUBLIC LIMITED COMPANY (00024869) - Active	✔
DATAPHARM COMMUNICATIONS LIMITED (01317421) - Active				✔
WESLEYAN FINANCIAL SERVICES LIMITED (01651212) - Active	✔	✔	✔	✔
BENEFACT GROUP PLC (01718196) - Active	✔
FIL LIFE INSURANCE LIMITED (03406905) - Active	✔
THREADNEEDLE INVESTMENT SERVICES LIMITED (03701768) - Active	✔
RBX SOLUTIONS LTD (06739343) - Active	✔
C3 COLLABORATING FOR HEALTH (06941278) - Active				✔
INDU PROPERTIES LIMITED (07628177) - Active				✔
RAKSHA ADVISORY LIMITED (11000912) - Active				✔
EDENTREE ASSET MANAGEMENT LIMITED (11923964) - Active	✔
EDENTREE HOLDINGS LIMITED (14496067) - Active	✔
WESLEYAN ASSURANCE SOCIETY (ZC000145) - Active	✔			✔

SHAREHOLDERS (BETA)

Shareholder name	Share class	Shares at confirmation date
Shareholder name	Share class	2020-10-04	2019-10-04	2018-10-04	2017-10-04	2016-10-04
WESLEYAN ASSURANCE SOCIETY	ORDINARY	123,000,000 100%	108,000,000 100%	92,000,000 100%	82,000,000 100%	77,000,000 100%

SHAREHOLDINGS (BETA)

no shareholding data

CONTROLLED COMPANIES / CONTROLLING ENTITIES

>75%:Wesleyan Assurance Society - active

Controlling entities above

WESLEYAN FINANCIAL SERVICES LIMITED

no controlled companies

LATE PAYMENTS REPORT

Start date	End date	Average days to pay	% invoices paid over 60 days	% invoices not paid within agreed terms	Gov.uk report
2023-01-01	2023-12-31	56	21%	39%	78399
2023-01-01	2023-06-30	53	20%	43%	75387
2022-01-01	2022-12-31	43	18%	32%	66074
2022-01-01	2022-06-30	44	18%	33%	59016
2021-01-01	2021-12-31	39	18%	41%	52520
2021-01-01	2021-06-30	26	26%	40%	50254
2019-07-01	2019-12-31	20	5%	5%	25144
2019-01-01	2019-06-30	17	2%	15%	18893
2018-07-01	2018-12-31	33	20%	38%	10352
2018-01-01	2018-06-30	38	20%	38%	4252

COURT CASES

Date	Title	Reference	Subject
2018-10-25	Mr N Singh v Wesleyan Financial Services Ltd and others	[2018] UKET 1303144/2018	Race Discrimination

PATENTS

No Patents found

COMPETITORS

(Based on Sic code: 65110 Life insurance)

Company	Registered Address	Company Number	YE Date	Revenue GBP	Net Profit GBP	Other SIC codes
SCOTTISH WIDOWS LIMITED	25 GRESHAM STREET, LONDON, UNITED KINGDOM, EC2V 7HN	03196171	2017-12-31	18,192,000,000	899,000,000
ROTHESAY LIFE PLC	THE POST BUILDING, 100 MUSEUM STREET, LONDON, UNITED KINGDOM, WC1A 1PB	06127279	2018-12-31	12,195,000,000	97,000,000
SCOTTISH EQUITABLE PLC	AEGON LOCHSIDE CRESCENT, EDINBURGH PARK, EDINBURGH, SCOTLAND, EH12 9SE	SC144517	2017-12-31	9,792,700,000	34,400,000
BAILLIE GIFFORD LIFE LIMITED	ATRIA ONE, 144 MORRISON STREET, EDINBURGH, EH3 8EX	SC182496	2018-03-31	5,139,666,000	1,600,000
PHOENIX LIFE LIMITED	1 WYTHALL GREEN WAY, WYTHALL, BIRMINGHAM, B47 6WG	01016269	2018-12-31	1,304,000,000	481,000,000
CANADA LIFE LIMITED	CANADA LIFE PLACE, POTTERS BAR, HERTFORDSHIRE, EN6 5BA	00973271	2017-12-31	940,100,000	326,100,000
COUNTRYWIDE ASSURED PLC	2ND FLOOR, BUILDING 4 WEST STRAND, WEST STRAND ROAD, PRESTON, LANCASHIRE, ENGLAND, PR1 8UY	02261746	2017-12-31	333,071,000	42,296,000
THREADNEEDLE PENSIONS LIMITED	CANNON PLACE, 78 CANNON STREET, LONDON, EC4N 6AG	00984167	2017-12-31	266,918,000	2,040,000	66300-Fund management activities
MGM ADVANTAGE LIFE LIMITED	CANADA LIFE PLACE, HIGH STREET, POTTERS BAR, ENGLAND, EN6 5BA	08395855	2017-12-31	183,391,000	5,702,000
WESLEYAN FINANCIAL SERVICES LIMITED	COLMORE CIRCUS, BIRMINGHAM, B4 6AR	01651212	2017-12-31	58,140,000	-3,964,000
INTEGRALIFE UK LIMITED	29 CLEMENT'S LANE, LONDON, EC4N 7AE	00798365	2018-09-30	45,279,000	16,177,000
TOKIO MARINE KILN SYNDICATES LIMITED	20 FENCHURCH STREET, LONDON, EC3M 3BY	00729671	2017-12-31	31,146,000	18,548,000	65120-Non-life insurance
UNUM LIMITED	MILTON COURT, DORKING, SURREY, RH4 3LZ	00983768	2017-12-31	12,206,000	1,775,000	65120-Non-life insurance
CAPITA LIFE & PENSIONS SERVICES LIMITED	65 GRESHAM STREET, LONDON, ENGLAND, EC2V 7NQ	04359665	2017-12-31	7,031,500	-1,964,426
LEAGOLD LIMITED	SOLAR HOUSE - PF 915 HIGH ROAD, NORTH FINCHLEY, LONDON, ENGLAND, N12 8QJ	01692041	2017-03-31	1,032,339	0	65120-Non-life insurance 65300-Pension funding
FRANK CORRIGAN & CO. LIMITED	5 SYCAMORE COURT BIRMINGHAM ROAD, ALLESLEY, COVENTRY, ENGLAND, CV5 9BA	02198916	2018-05-31	946,820	0	65300-Pension funding 66290-Other activities auxiliary to insurance and pension funding
MORTGAGE 65 LIMITED	RED ROSE COURT RED ROSE COURT, CLAYTON LE MOORS, ACCRINGTON, ENGLAND, BB5 5JR	06732518	2017-12-31	587,235	0	65120-Non-life insurance 66190-Activities auxiliary to financial intermediation not elsewhere classified 66220-Activities of insurance agents and brokers
STIRLING GENERAL INSURANCE SERVICES LIMITED	ASTON HOUSE, CORNWALL AVENUE, LONDON, ENGLAND, N3 1LF	02546908	2017-09-30	287,063	0	65120-Non-life insurance 65300-Pension funding
HALLMARK GRANGE FINANCIAL LIMITED	CRAVEN HOUSE 32 LEE LANE, HORWICH, BOLTON, BL6 7BY	04598272	2018-04-30	238,949	0
JMP ACTUARIAL LIMITED	9 CHART HOUSE, 6 BURRELLS WHARF SQUARE, LONDON E14, LONDON, E14 3TN	07267506	2018-05-31	202,500	0
NATHAN LIMITED	13 CYPRESS GROVE, DUNFERMLINE, FIFE, KY11 8AF	SC193725	2018-02-28	197,120	0	66290-Other activities auxiliary to insurance and pension funding
EPIC INSURANCE SERVICES LIMITED	150 MINORIES, LONDON, ENGLAND, EC3N 1LS	07014140	2018-12-31	184,261	0	65120-Non-life insurance
JOHN MOSEBY FINANCIAL SERVICES LTD	17 BRUNTS STREET, MANSFIELD, NOTTINGHAMSHIRE, NG18 1AX	04606586	2018-12-31	143,159	0
REDPATH FINANCIAL PLANNING LIMITED	UNIT 562 UNIT 562 WENTA BUSINESS CENTRE, COLNE WAY, WATFORD, ENGLAND, WD24 7ND	04589826	2018-04-30	98,622	0	65120-Non-life insurance 65300-Pension funding
E T M FINANCIAL PLANNING LTD	2 CHURCH COTTAGES THE BURY, LOCKING, WESTON-SUPER-MARE, ENGLAND, BS24 8BZ	07946651	2018-02-28	90,009	0	66290-Other activities auxiliary to insurance and pension funding
NEDTOWN LIMITED	11 CLEVELAND AVENUE, DRAYCOTT, DERBYSHIRE, DE72 3NR	04668300	2019-03-31	81,969	0
ANDREWS COMPLIANCE CONSULTANCY LIMITED	14 JULIANS ROAD, STEVENAGE, HERTFORDSHIRE, SG1 3ES	04015472	2016-09-30	69,928	0
FLEXIBLE FINANCE (MIDLANDS) LIMITED	11 PARK LANE BUSINESS CENTRE, PARK LANE, NOTTINGHAM, ENGLAND, NG6 0DW	08236476	2018-10-31	63,950	0
FRIAR BEST INSURANCE SERVICES LIMITED	MARKET HOUSE, 21 LENTEN STREET, ALTON, HAMPSHIRE, GU34 1HG	04737423	2019-04-30	0	0	65120-Non-life insurance 65201-Life reinsurance 65202-Non-life reinsurance
BEAZLEY GROUP LIMITED	22 BISHOPSGATE, LONDON, UNITED KINGDOM, EC2N 4BQ	04082477	0000-00-00	0	0	65201-Life reinsurance
LEGAL AND GENERAL ASSURANCE SOCIETY LIMITED	ONE COLEMAN STREET, LONDON, EC2R 5AA	00166055	0000-00-00	0	0
LIVERPOOL VICTORIA FINANCIAL SERVICES LIMITED	COUNTY GATES, BOURNEMOUTH, DORSET, BH1 2NF	12383237	0000-00-00	0	0	66290-Other activities auxiliary to insurance and pension funding
NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY LIMITED(THE)	TIDDINGTON ROAD, STRATFORD-UPON-AVON, WARWICKSHIRE, CV37 7BJ	00111982	0000-00-00	0	0	65120-Non-life insurance
PARTNERSHIP LIFE ASSURANCE COMPANY LIMITED	ENTERPRISE HOUSE, BANCROFT ROAD, REIGATE, ENGLAND, RH2 7RP	05465261	0000-00-00	0	0	65300-Pension funding
STANDARD LIFE ASSURANCE LIMITED	STANDARD LIFE HOUSE, 30 LOTHIAN ROAD, EDINBURGH, EH1 2DH	SC286833	0000-00-00	0	0
ZURICH ASSURANCE LTD	UNITY PLACE, 1 CARFAX CLOSE, SWINDON, WILTSHIRE, UNITED KINGDOM, SN1 1AP	02456671	0000-00-00	0	0

LIQUIDATION RISK (BETA)

This company is Active. Statistically, Active companies have a low probability of being liquidated within a year.
Here are our probability predictions:

Basis	Liquidation within 3 months	Liquidation within 6 months	Liquidation within 12 months	Prediction confidence
WESLEYAN FINANCIAL SERVICES LIMITED	0.7%	3.6%	7.1%	Medium
Other companies Active in the same sector	0.6%	2.1%	6.0%	Medium


Age	0.4%	1.4%	2.7%	Medium
Company Type	0.7%	3.7%	7.4%	Medium
Accounts category	0.7%	2.2%	3.8%	Medium
Accounting Month	0.6%	2.4%	5.5%	Medium
Sic code count	0.7%	3.5%	7.0%	Medium