BHIB LIMITED
🌳Matureactive
00829660 · ltd · incorporated 1964-12-02
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 71/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 65). Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
11 live charges · 5 lenders · oldest 15.7y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 15.7 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: medium (61/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
11 charges (11/11 with lender, 11/11 with type)
90
Directors & officers
23 officers (6 active, 23 linked, 18 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
21 connected companies via shared directors
90
Filing history
189 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
59
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
2
filings
- • 1 confirmation-statement
- • 1 mortgage
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (74 events)Click to expand
- 2026-05-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-05🔒Charge registered #11Lender: Ares Management Limited
- 2025-07-21📄accounts-with-accounts-type-fullaccounts · AA
- 2024-10-31📄legacycapital · SH20
- 2024-10-31⚠️legacyinsolvency · CAP-SS
- 2024-10-31📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2024-10-31📄resolutionresolution · RESOLUTIONS
- 2024-09-30📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-17➖LICKENS, Howard Pierre resigneddirector
- 2024-05-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-14🔒Charge registered #10Lender: Ares Management Limited
- 2024-04-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-20📄accounts-with-accounts-type-fullaccounts · AA
- 2024-03-19🔒Charge registered #9Lender: Ares Management Limited
- 2023-07-25📄accounts-with-accounts-type-fullaccounts · AA
- 2023-03-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-07🔒Charge registered #8Lender: Ares Management Limited
- 2023-02-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-02-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-02-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-02-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-02-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-02-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-02-08🔓Charge satisfied #7
- 2023-02-08🔓Charge satisfied #6
- 2023-02-08🔓Charge satisfied #5
- 2023-02-08🔓Charge satisfied #4
- 2023-02-08🔓Charge satisfied #3
- 2023-02-08🔓Charge satisfied #2
- 2022-11-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-10-31➖O'DONNELL, Gary resigneddirector
- 2022-10-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-10-06➕WILLIAMS, Philip John appointeddirector
- 2022-07-25📄accounts-with-accounts-type-fullaccounts · AA
- 2022-05-06🔒Charge registered #7Lender: Glas Trust Corporation Limited as Security Trustee for the Secured Parties
- 2022-03-16➖MISTRY, Ashwinkumar Govindbhai resigneddirector
- 2021-06-08➕EDGELEY, Michael David Simon appointeddirector
- 2021-03-02🔒Charge registered #6Lender: Eci Ventures Nominees Limited as Security Trustee
- 2021-02-26🔒Charge registered #5Lender: Glas Trust Corporation Limited as Security Trustee for the Secured Parties
- 2020-10-09🔓Charge satisfied #1
- 2020-09-23➕MONEY, Timothy John appointeddirector
- 2020-09-23➕LICKENS, Howard Pierre appointeddirector
- 2020-09-23➖MCCALLUM, David Sidney resigneddirector
- 2020-09-23➕O'DONNELL, Gary appointeddirector
- 2020-09-23🔒Charge registered #4Lender: Eci Ventures Nominees Limited (As Security Trustee)
- 2020-09-23🔒Charge registered #3Lender: Eci Ventures Nominees Limited (As Security Trustee)
- 2020-09-23🔒Charge registered #2Lender: Glas Trust Corporation Limited as Security Trustee for the Secured Parties
- 2019-09-01➖BAMKIN, Mark Anthony resigneddirector
- 2015-09-24➕PATEL, Jitendra appointeddirector
- 2014-10-01➕PATEL, Jitendra appointedsecretary
Showing most recent 50 of 74 events
Owner dependency
55/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
73/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- secondary12+ year tenure: Director in role 13 years.
- secondaryStable-but-static management: Company is 62 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 high · 1 med ·1 insolvency-related filing on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2024-10-31: legacy
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Brokerbility Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Brokerbility Holdings Limited
Corporate parent · holds 75-100% shares
⬇
BHIB LIMITED
This company · 00829660
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Brokerbility Holdings Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Financial services · LE postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BAKER STREET CONSULTANCY LIMITED→ 06255580 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| BARRIC INVESTMENTS LTD→ 16089286 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BARTON FINANCIAL LIMITED→ 09661314 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| BB 2024 LIMITED→ 15896888 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BC FINANCIAL LTD→ 16035191 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BE MORTGAGED LTD→ 15750654 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BETA WEALTH MANAGEMENT LIMITED→ 10926250 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| BIG BEAR TRADES LTD→ 17033124 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BLACKTHORN MORTGAGES LIMITED→ 13309885 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| BLAKE BEARDSLEY LIMITED→ 15895228 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BLANCO WEALTH MANAGEMENT LIMITED→ 10947050 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| BLN LOAN SYNDICATES LIMITED→ 07341131 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →🔒Advanced scoring suite
Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Statusactive
Typeltd
Incorporated1964-12-02
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
Agm House 3 Barton Close
Grove Park
Leicester
LE19 1SJ
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2027-06-20
Last: 2026-06-06
Officers (6 active · 17 resigned)
Active
EDGELEY, Michael David Simon→
Activedirector · ~60y · appointed 2021-06-08
View their other companies + combined net worth →
MONEY, Timothy John→
Activedirector · ~59y · appointed 2020-09-23
View their other companies + combined net worth →
PATEL, Jitendra→
Activedirector · ~61y · appointed 2015-09-24
View their other companies + combined net worth →
STUTZ, Ian James Donaldson→
Activedirector · ~65y · appointed 2013-06-01
View their other companies + combined net worth →
WILLIAMS, Philip John→
Activedirector · ~43y · appointed 2022-10-06
View their other companies + combined net worth →
CLARK, Melvyn William→
Resignedsecretary · appointed 2011-06-01 · resigned 2014-10-01
HOWELL, Sarah Jane→
Resignedsecretary · appointed 2009-12-01 · resigned 2011-06-01
LYLE, William Mcleod→
Resignedsecretary · appointed 2002-11-30 · resigned 2009-11-30
OCONNOR, Terence→
Resignedsecretary · resigned 2002-11-30
BAMKIN, Mark Anthony→
Resigneddirector · ~68y · appointed 2011-05-31 · resigned 2019-09-01
BROWNRIDGE, John Robert→
Resigneddirector · ~77y · resigned 2000-12-15
CUTLER, Kevin James→
Resigneddirector · ~68y · appointed 2000-02-01 · resigned 2013-06-01
DIX, Barry John→
Resigneddirector · ~86y · resigned 2004-06-30
HUNTER, John Cameron→
Resigneddirector · ~67y · appointed 2000-12-01 · resigned 2011-06-01
LICKENS, Howard Pierre→
Resigneddirector · ~70y · appointed 2020-09-23 · resigned 2024-09-17
LYLE, William Mcleod→
Resigneddirector · ~81y · resigned 2010-10-05
MCCALLUM, David Sidney→
Resigneddirector · ~73y · appointed 2011-10-01 · resigned 2020-09-23
MISTRY, Ashwinkumar Govindbhai→
Resigneddirector · ~67y · appointed 2013-06-01 · resigned 2022-03-16
O'DONNELL, Gary→
Resigneddirector · ~60y · appointed 2020-09-23 · resigned 2022-10-31
Click a director name to see their full track record across all companies.
Mortgages & charges
11
Total charges
4
Outstanding
1
Active lenders
Status:Lender:11 of 11 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Ares Management Ares Management Limited | A registered charge | 1 property | 05/05/2026 | — | |
| outstanding | Ares Management Ares Management Limited | A registered charge | — | 14/05/2024 | — | |
| outstanding | Ares Management Ares Management Limited | A registered charge | 1 property | 19/03/2024 | — | |
| outstanding | Ares Management Ares Management Limited | A registered charge | — | 07/03/2023 | — | |
| satisfied | Glas Trust Corporation as Security Trustee for the Secured Parties Glas Trust Corporation Limited as Security Trustee for the Secured Parties | A registered charge | 1 property | 06/05/2022 | 08/02/2023 | |
| satisfied | Eci Ventures Nominees as Security Trustee Eci Ventures Nominees Limited as Security Trustee | A registered charge | — | 02/03/2021 | 08/02/2023 | |
| satisfied | Glas Trust Corporation as Security Trustee for the Secured Parties Glas Trust Corporation Limited as Security Trustee for the Secured Parties | A registered charge | 1 property | 26/02/2021 | 08/02/2023 | |
| satisfied | Eci Ventures Nominees (As Security Trustee) Eci Ventures Nominees Limited (As Security Trustee) | A registered charge | — | 23/09/2020 | 08/02/2023 | |
| satisfied | Eci Ventures Nominees (As Security Trustee) Eci Ventures Nominees Limited (As Security Trustee) | A registered charge | — | 23/09/2020 | 08/02/2023 | |
| satisfied | Glas Trust Corporation as Security Trustee for the Secured Parties Glas Trust Corporation Limited as Security Trustee for the Secured Parties | A registered charge | 1 property | 23/09/2020 | 08/02/2023 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 05/10/2010 | 09/10/2020 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (189 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-07
accounts-with-accounts-type-full
accounts · AA
2025-07-21
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-16
legacy
capital · SH20
2024-10-31
legacy
insolvency · CAP-SS
2024-10-31
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2024-10-31
resolution
resolution · RESOLUTIONS
2024-10-31
termination-director-company-with-name-termination-date
officers · TM01
2024-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-02
accounts-with-accounts-type-full
accounts · AA
2024-03-20
accounts-with-accounts-type-full
accounts · AA
2023-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-07