BIRNBECK FINANCE LIMITED
🌳Matureactive
01158939 · ltd · incorporated 1974-02-01
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 45.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2024
Net worth
£158.3k
book net assets
Opportunity
69/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle. Reasonable fundamentals — worth a memo before deciding.
Opportunity 69/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
5 live charges · 2 lenders · oldest 45.2y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 45.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 28/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (70/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
16 officers (3 active, 16 linked, 12 with DOB)
85
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
Network not yet resolved
30
Filing history
152 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
69
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £158,298
Key financials
1 year extracted from filed iXBRL accountsCash
£326k
Net Worth
£158k
Current Assets
£385k
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-03-31 |
|---|---|
| Total assets | £158.3k |
| Current assets | £384.6k |
| Cash | £325.9k |
| Debtors | £58.7k |
| Net assets | £158.3k |
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 (56 events)Click to expand
- 2025-09-30📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-09-26➕FOX, Agnieszka Bozena appointedsecretary
- 2025-09-11📄capital-name-of-class-of-sharescapital · SH08
- 2025-09-08📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-09-08📄resolutionresolution · RESOLUTIONS
- 2025-09-08📄memorandum-articlesincorporation · MA
- 2025-08-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-08-29📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-08-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-08-29📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-08-29📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-08-28➖WOTTON, Geraldine Wendy resignedsecretary
- 2025-08-28➖WOTTON, Simon Richard resigneddirector
- 2024-08-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-10-16➕FOX, Benjamin appointeddirector
- 2023-10-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-08-30📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-08-29➕FOX, Benjamin appointeddirector
- 2023-08-29➖FOX, Benjamin resigneddirector
- 2023-08-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-10-06📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-08-05📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-08-21📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2016-02-29➖WOTTON, Geraldine Wendy resigneddirector
- 2016-01-02➕ROSE, Stuart Charles appointeddirector
- 2013-10-31🔓Charge satisfied #5
- 2013-10-31🔓Charge satisfied #4
- 2013-10-31🔓Charge satisfied #3
- 2006-09-06➖PARROTT, Jeremy Richard resigneddirector
- 2005-09-06➖PARROTT, Stephanie resignedsecretary
- 2005-09-06➕WOTTON, Geraldine Wendy appointedsecretary
- 2005-09-06➕WOTTON, Geraldine Wendy appointeddirector
- 2004-10-31➖MENHENITT, Michael John resigneddirector
- 2003-03-01➕MENHENITT, Michael John appointeddirector
- 2001-11-30➖PARROTT, Stephanie resigneddirector
- 2000-08-01➕PARROTT, Stephanie appointeddirector
- 1999-08-06➕WOTTON, Simon Richard appointeddirector
- 1997-10-03➖VIRGIN, Graham Richard resigneddirector
- 1996-03-20🔒Charge registered #5Lender: Midland Bank PLC
- 1995-07-18➖PARROTT, Adrienne resignedsecretary
- 1995-07-18➕PARROTT, Stephanie appointedsecretary
- 1995-07-18➖PARROTT, Adrienne resigneddirector
- 1995-07-18➖PARROTT, David Randolph resigneddirector
- 1995-07-18➕VIRGIN, Graham Richard appointeddirector
- 1995-06-08🔒Charge registered #4Lender: National Westminster Bank PLC
- 1992-01-04➖BRIFFITT, Richard William resigneddirector
Showing most recent 50 of 56 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
41/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 med ·2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: WOTTON, Geraldine Wendy resigned 2025-08-28; WOTTON, Simon Richard resigned 2025-08-28
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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Stuart Charles Rose Individual · British · DOB 03/1979 · age 47 | 50–75% | — | 50-75% shares | 06/04/2016 |
Benjamin Fox Individual · British · DOB 02/1978 · age 48 | — | 25–50% | 25-50% voting | 28/08/2025 |
2 historic (ceased) PSCs
- Geraldine Wendy Wottonceased 28/08/2025· 25-50% voting
- Simon Richard Wottonceased 28/08/2025· 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| COAST FINANCE UK LIMITED→ 00498680 · est 1951 · no financials extracted | — | — | — | — | 74y | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated1974-02-01
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
129 High Street
Worle
Weston Super Mare
Somerset
BS22 6HQ
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-09
Last: 2025-06-25
Officers (3 active · 13 resigned)
FOX, Agnieszka Bozena→
Activesecretary · appointed 2025-09-26
View their other companies + combined net worth →
FOX, Benjamin→
Activedirector · ~48y · appointed 2023-10-16
View their other companies + combined net worth →
ROSE, Stuart Charles→
Activedirector · ~47y · appointed 2016-01-02
View their other companies + combined net worth →
PARROTT, Adrienne→
Resignedsecretary · resigned 1995-07-18
PARROTT, Stephanie→
Resignedsecretary · appointed 1995-07-18 · resigned 2005-09-06
WOTTON, Geraldine Wendy→
Resignedsecretary · appointed 2005-09-06 · resigned 2025-08-28
BRIFFITT, Richard William→
Resigneddirector · ~77y · resigned 1992-01-04
FOX, Benjamin→
Resigneddirector · ~48y · appointed 2023-08-29 · resigned 2023-08-29
MENHENITT, Michael John→
Resigneddirector · ~74y · appointed 2003-03-01 · resigned 2004-10-31
PARROTT, Adrienne→
Resigneddirector · ~87y · resigned 1995-07-18
PARROTT, David Randolph→
Resigneddirector · ~88y · resigned 1995-07-18
PARROTT, Jeremy Richard→
Resigneddirector · ~62y · resigned 2006-09-06
PARROTT, Stephanie→
Resigneddirector · ~60y · appointed 2000-08-01 · resigned 2001-11-30
VIRGIN, Graham Richard→
Resigneddirector · ~77y · appointed 1995-07-18 · resigned 1997-10-03
WOTTON, Geraldine Wendy→
Resigneddirector · ~71y · appointed 2005-09-06 · resigned 2016-02-29
WOTTON, Simon Richard→
Resigneddirector · ~76y · appointed 1999-08-06 · resigned 2025-08-28
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Midland Bank Midland Bank PLC | Fixed and floating charge | 1 property | 20/03/1996 | 31/10/2013 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 08/06/1995 | 31/10/2013 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 29/08/1991 | 31/10/2013 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 28/06/1985 | 03/06/1989 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage registered under order of court dated 08/07/81 | 1 property | 27/04/1981 | 11/10/1991 |
Recent filings (152 total)
appoint-person-secretary-company-with-name-date
officers · AP03
2025-09-30
capital-name-of-class-of-shares
capital · SH08
2025-09-11
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-09-08
resolution
resolution · RESOLUTIONS
2025-09-08
memorandum-articles
incorporation · MA
2025-09-08
termination-director-company-with-name-termination-date
officers · TM01
2025-08-29
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-29
termination-secretary-company-with-name-termination-date
officers · TM02
2025-08-29
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-08-29
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-08-29
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-08-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-08-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-03
appoint-person-director-company-with-name-date
officers · AP01
2023-10-16