B.J. FENNELL LIMITED
💤Zombieactive
01071272 · ltd · incorporated 1972-09-12
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£171.0k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Non-life reinsurance
Sector: Financial & insurance
Investor take
PursueActive trading company with a 62-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (65/100, director aged 62). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
6 live charges · 6 lenders · oldest 47.0y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 47.0 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
4 officers (1 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
100 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £171,049
Net assets shrinking
Down £1,473 YoY
Cash YoY
+6362%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£354k
↑ 6362% YoY
Net Worth
£171k
~ YoY
Current Assets
£519k
↑ 245% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £200.8k | £206.8k |
| Current assets | £519.2k | £150.3k |
| Cash | £354.1k | £5.5k |
| Debtors | £165.1k | £144.9k |
| Net assets | £171.0k | £172.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.
Available from the Pro tier upwards.
See pricing →Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
- 2025-08-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-05📄gazette-filings-brought-up-to-dategazette · DISS40
- 2022-05-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-26📄gazette-notice-compulsorygazette · GAZ1
- 2021-05-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-05-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-05-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-05-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-05-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-05-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-05-05🔓Charge satisfied #5
- 2017-05-05🔓Charge satisfied #4
- 2017-05-05🔓Charge satisfied #3
- 2017-05-05🔓Charge satisfied #2
- 2017-05-05🔓Charge satisfied #1
- 2009-11-30➖FENNELL, Elsie Caroline resignedsecretary
- 2009-11-30➖FENNELL, Brian John Naydin resigneddirector
- 2009-11-30➖FENNELL, Elsie Caroline resigneddirector
- 1993-07-27🔒Charge registered #6Lender: National Westminster Bank PLC.
- 1989-11-22🔒Charge registered #5Lender: Northern Rock Building Society
- 1988-05-23🔒Charge registered #4Lender: Nationwide Anglia Building Society
- 1985-06-21🔒Charge registered #3Lender: Nationwide Building Society.
- 1980-10-06🔒Charge registered #2Lender: Barclays Bank PLC
- 1979-05-24🔒Charge registered #1Lender: Nationwide Building Society
- 1972-09-12🏢Company incorporatedAs B.J. FENNELL LIMITED
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
65/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondaryStable-but-static management: Company is 54 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Roy Steven Marshall Individual · British · DOB 09/1964 · age 62 | 75–100% | — | 75-100% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| ALEGRA STRATEGIC LIMITED→ 12386188 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ALTIUS IFA LIMITED→ 16310462 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AMDINE LTD→ 08820148 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ANYWAY VENTURES LIMITED→ 16318119 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ARDENT IFA LIMITED→ 06014584 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| ASKHAM BRYAN INVESTMENTS LIMITED→ 14042592 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AUTUS LIFETIME PLANNING LIMITED→ 08813223 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| AVIVA ERFA 15 UK LIMITED→ 06518135 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| AVIVA INVESTMENT SOLUTIONS UK LIMITED→ 06389025 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| AVIVA TRUSTEES UK LIMITED→ 09304239 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| AXIS LEISURE LIMITED→ 08492450 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| B10 MED PROPERTIES LIMITED→ 03237171 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated1972-09-12
Jurisdictionengland-wales
Primary SIC65202 — Non-life reinsurance
Registered office
85 Market Street
Pocklington
York
YO42 2AE
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-11-08
Last: 2025-10-25
Officers (1 active · 3 resigned)
Active
FENNELL, Elsie Caroline→
Resignedsecretary · resigned 2009-11-30
FENNELL, Brian John Naydin→
Resigneddirector · ~88y · resigned 2009-11-30
FENNELL, Elsie Caroline→
Resigneddirector · ~89y · resigned 2009-11-30
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
1
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank . National Westminster Bank PLC. | Mortgage debenture. | 1 property | 27/07/1993 | — | |
| satisfied | Northern Rock Building Society | Mortgage deed | 1 property | 22/11/1989 | 05/05/2017 | |
| satisfied | Nationwide Anglia Building Society | Legal charge | 1 property | 23/05/1988 | 05/05/2017 | |
| satisfied | Nationwide Nationwide Building Society. | Legal charge | 1 property | 21/06/1985 | 05/05/2017 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 06/10/1980 | 05/05/2017 | |
| satisfied | Nationwide Nationwide Building Society | Legal charge | 1 property | 24/05/1979 | 05/05/2017 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (100 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-08
gazette-filings-brought-up-to-date
gazette · DISS40
2022-05-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-04
gazette-notice-compulsory
gazette · GAZ1
2022-04-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-02-28