BUDGE AND COMPANY LIMITED
🌳Matureactive
01164216 · ltd · incorporated 1974-03-25
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 44.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 77/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 44.1y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 44.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (58/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
14 officers (3 active, 14 linked, 10 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
117 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
60
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (41 events)Click to expand
- 2026-01-03📄accounts-with-accounts-type-smallaccounts · AA
- 2024-10-18📄accounts-with-accounts-type-smallaccounts · AA
- 2023-08-16📄accounts-with-accounts-type-smallaccounts · AA
- 2023-06-21📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2023-06-21📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-01-07➕BUDGE, Iain Andrew appointedsecretary
- 2023-01-06➖BUDGE, Christina resignedsecretary
- 2022-11-29📄accounts-with-accounts-type-smallaccounts · AA
- 2022-09-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-09-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-08-31➖BARNES, Terence Martin resigneddirector
- 2022-08-31➖WATSON, Nicholas William resigneddirector
- 2021-09-01📄accounts-with-accounts-type-smallaccounts · AA
- 2020-08-27📄accounts-with-accounts-type-smallaccounts · AA
- 2019-09-19📄accounts-with-accounts-type-smallaccounts · AA
- 2019-04-10➖BUDGE, Donald Andrew resigneddirector
- 2019-04-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-10-22📄accounts-with-accounts-type-smallaccounts · AA
- 2017-10-09📄accounts-with-accounts-type-smallaccounts · AA
- 2016-10-06📄accounts-with-accounts-type-smallaccounts · AA
- 2016-06-29📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2012-09-03➖WISE, Christopher David resigneddirector
- 2011-03-14➕BUDGE, Graham Roddy appointeddirector
- 2011-03-14➕WISE, Christopher David appointeddirector
- 2008-07-01➖BUCKLE, David Martin resigneddirector
- 2007-12-31➖FOX, Alan Roger resigneddirector
- 2007-03-01➕BUCKLE, David Martin appointeddirector
- 2006-11-17➖ANDERSON, Kevin resigneddirector
- 2005-12-09➕WATSON, Nicholas William appointeddirector
- 2002-10-28➕ANDERSON, Kevin appointeddirector
- 2000-11-16➕BUDGE, Christina appointedsecretary
- 2000-11-16➖BUDGE, Iain Andrew resignedsecretary
- 2000-03-21🔒Charge registered #2Lender: Hsbc Bank PLC
- 1999-05-01➕BUDGE, Iain Andrew appointeddirector
- 1999-05-01➕BUDGE, Iain Andrew appointedsecretary
- 1999-05-01➕BARNES, Terence Martin appointeddirector
- 1999-04-30➖BUDGE, Margot Elizabeth resignedsecretary
- 1999-04-30➖BUDGE, Margot Elizabeth resigneddirector
- 1995-12-04➕FOX, Alan Roger appointeddirector
- 1982-05-10🔒Charge registered #1Lender: Williams & Glyn's Bank PLC
- 1974-03-25🏢Company incorporatedAs BUDGE AND COMPANY LIMITED
Owner dependency
91/100
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "BUDGE" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 52 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Budge (Holdings) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Budge (Holdings) Limited
Corporate parent · holds 75-100% shares
⬇
BUDGE AND COMPANY LIMITED
This company · 01164216
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 |
|---|---|---|---|---|
Budge (Holdings) Limited Corporate entity | 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.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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
Incorporated1974-03-25
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
103-105 Station Parade
Harrogate
North Yorkshire
HG1 1HB
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-06-23
Last: 2025-06-09
Officers (3 active · 11 resigned)
BUDGE, Iain Andrew→
Activesecretary · appointed 2023-01-07
View their other companies + combined net worth →
BUDGE, Graham Roddy→
Activedirector · ~54y · appointed 2011-03-14
View their other companies + combined net worth →
BUDGE, Iain Andrew→
Activedirector · ~56y · appointed 1999-05-01
View their other companies + combined net worth →
BUDGE, Christina→
Resignedsecretary · appointed 2000-11-16 · resigned 2023-01-06
BUDGE, Iain Andrew→
Resignedsecretary · appointed 1999-05-01 · resigned 2000-11-16
BUDGE, Margot Elizabeth→
Resignedsecretary · resigned 1999-04-30
ANDERSON, Kevin→
Resigneddirector · ~67y · appointed 2002-10-28 · resigned 2006-11-17
BARNES, Terence Martin→
Resigneddirector · ~71y · appointed 1999-05-01 · resigned 2022-08-31
BUCKLE, David Martin→
Resigneddirector · ~81y · appointed 2007-03-01 · resigned 2008-07-01
BUDGE, Donald Andrew→
Resigneddirector · ~83y · resigned 2019-04-10
BUDGE, Margot Elizabeth→
Resigneddirector · ~80y · resigned 1999-04-30
FOX, Alan Roger→
Resigneddirector · ~78y · appointed 1995-12-04 · resigned 2007-12-31
WATSON, Nicholas William→
Resigneddirector · ~67y · appointed 2005-12-09 · resigned 2022-08-31
WISE, Christopher David→
Resigneddirector · ~58y · appointed 2011-03-14 · resigned 2012-09-03
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage created by the company formerly known as D. A. budge pension advisory & management services limited | 1 property | 21/03/2000 | — | |
| outstanding | Williams & Glyn's Bank Williams & Glyn's Bank PLC | Debenture | 1 property | 10/05/1982 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (117 total)
accounts-with-accounts-type-small
accounts · AA
2026-01-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-10
accounts-with-accounts-type-small
accounts · AA
2024-10-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-11
accounts-with-accounts-type-small
accounts · AA
2023-08-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-21
appoint-person-secretary-company-with-name-date
officers · AP03
2023-06-21
termination-secretary-company-with-name-termination-date
officers · TM02
2023-06-21
accounts-with-accounts-type-small
accounts · AA
2022-11-29
termination-director-company-with-name-termination-date
officers · TM01
2022-09-13
termination-director-company-with-name-termination-date
officers · TM01
2022-09-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-15
accounts-with-accounts-type-small
accounts · AA
2021-09-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-18
accounts-with-accounts-type-small
accounts · AA
2020-08-27