BFS WEALTH AND PROTECTION LTD

💤Zombieactive

01217536 · ltd · incorporated 1975-06-26

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 Apr 2025

Net worth

£180.8k

book net assets

Opportunity

74/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Life insurance

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 77/100. Strong seller-intent signal (68/100, director aged 51). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

5 live charges · 4 lenders · oldest 38.9y

15/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Oldest live charge is 38.9 years old — likely at or near maturity.
· 4 lenders named — inter-creditor friction likely.
· Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (75/100)

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

Lenders & charges

5 charges (5/5 with lender, 5/5 with type)

Directors & officers

17 officers (1 active, 17 linked, 16 with DOB)

Ownership & PSC

2 active PSC(s) of 3 total, 3 with control declared

Director network

10 connected companies via shared directors

Filing history

178 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

74/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £180,755

Key financials

1 year extracted from filed iXBRL accounts

Cash

£191k

Net Worth

£181k

Current Assets

£992k

Current Liabilities

—

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-04-30
Total assets	£193.3k
Current assets	£991.8k
Cash	£190.7k
Debtors	£801.0k
Net assets	£180.8k

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

filings

• 4 officers
• 2 persons-with-significant-control

Last 90 days

filings

• 4 officers
• 2 persons-with-significant-control

Last 180 days

filings

• 6 officers
• 4 persons-with-significant-control
• 1 mortgage

Counts from Companies House filing history.

Corporate timeline (58 events)Click to expand

2026-07-06
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-07-06
📄
change-person-director-company
officers · CH01
2026-07-06
📄
change-person-director-company
officers · CH01
2026-07-06
📄
change-person-director-company-with-change-date
officers · CH01
2026-07-06
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-07-06
📄
change-person-director-company-with-change-date
officers · CH01
2026-03-18
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-18
🔓
Charge satisfied #5
2026-02-13
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-13
📄
change-person-director-company-with-change-date
officers · CH01
2026-02-12
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-12
📄
change-person-director-company-with-change-date
officers · CH01
2026-01-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-08
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-16
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-25
📄
change-account-reference-date-company-previous-extended
accounts · AA01
2025-01-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-21
✏️
certificate-change-of-name-company
change-of-name · CERTNM
2024-01-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-20
📄
resolution
resolution · RESOLUTIONS
2023-10-20
📄
resolution
resolution · RESOLUTIONS
2023-08-03
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-08-03
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-07-03
➖
MAWSON, Matthew James resigned
director
2023-05-26
➖
NEWTON, Elaine Terry resigned
secretary
2021-12-31
➖
BAMFORD, Michelle resigned
director
2017-05-09
🔓
Charge satisfied #4
2012-06-18
🔒
Charge registered #5
Lender: Clydesdale Bank PLC
2012-05-02
🔓
Charge satisfied #3
2012-04-20
🔒
Charge registered #4
Lender: Macquarie Bank Limited
2010-06-16
➖
DALLYN, Paul Anthony resigned
director
2009-08-01
➕
BAMFORD, Michelle appointed
director
2008-05-22
➖
BURLEY, Matthew resigned
director
2006-06-10
➕
BURLEY, Steven appointed
director
1998-11-09
➖
BEIGHTON, Alan Geoffrey resigned
director
1998-11-09
➖
BURLEY, Alan resigned
director
1998-11-09
➕
DALLYN, Paul Anthony appointed
director
1998-11-09
➖
NEWTON, Elaine Terry resigned
director
1998-11-09
➖
SMITH, Alan resigned
director
1998-11-09
➖
TURNER, Simon resigned
director
1998-11-09
➖
VERRYT, John Robert resigned
director
1996-12-09
➕
TURNER, Simon appointed
director
1996-10-04
🔓
Charge satisfied #2
1996-10-04
🔓
Charge satisfied #1
1996-07-26
➖
GIBSON, Ian Alexander resigned
director
1996-01-01
➖
BOOTH, Graham resigned
director
1995-12-02
➕
BURLEY, Matthew appointed
director
1995-11-17
🔒
Charge registered #3
Lender: National Westminster Bank PLC
1995-05-01
➖
CRAIG, Kenneth resigned
director
1995-05-01
➕
GIBSON, Ian Alexander appointed
director

Showing most recent 50 of 58 events

Owner dependency

85/100

Critical — business is the founder

The 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.
+Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

75/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 51 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 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple 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
Debra Mawson Individual · British · DOB 05/1966 · age 60	25–50%	25–50%	25-50% shares · 25-50% voting	13/07/2023
Mr Steven Burley Individual · British · DOB 03/1975 · age 51	—	—	sig. influencesignificant influence	29/11/2016

1 historic (ceased) PSC

Mr Matthew James Mawsonceased 13/07/2023· significant influence

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 · S postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
A SHADE GREENER FINANCE F3 LIMITED→ 15678758 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
A SHADE GREENER FINANCE LIMITED→ 10668465 · est 2017 · no financials extracted	—	—	—	—	9y	—	—
ANDY HALL MORTGAGES LTD→ 09479295 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
ASSURED EQUITY FINANCE LTD→ 12618494 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
AUTOCHX LIMITED→ 03802627 · est 1999 · no financials extracted	—	—	—	—	26y	—	—
BARNSLEY MORTGAGES LTD→ 15791578 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
BBB INVESTMENT SERVICES LIMITED→ 15662260 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
BBI FINANCE LIMITED→ 03102002 · est 1995 · no financials extracted	—	—	—	—	30y	—	—
BEX SAVE LIMITED→ 14145243 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
BIG PICTURE FINANCIAL PLANNING LTD→ 13023610 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
BIOGREEN TECHNOLOGY & INVESTMENT UK GROUP LTD→ 16520381 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BIOTECH INNOVATIONS LTD→ 14724327 · est 2023 · no financials extracted	—	—	—	—	3y	—	—

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

Incorporated1975-06-26

Jurisdictionengland-wales

Primary SIC65110 — Life insurance

Registered office

1 Europa View, Sheffield Business Park

Europa Link

Sheffield

South Yorkshire

S9 1XH

England

Filing status

Accounts

Next due: 2027-01-31

Last made up to: 2025-04-30

Confirmation statement

Next due: 2026-08-17

Last: 2025-08-03

Officers (1 active · 16 resigned)

BURLEY, Steven→

director · ~51y · appointed 2006-06-10

View their other companies + combined net worth →

Active

NEWTON, Elaine Terry→

secretary · resigned 2023-05-26

Resigned

BAMFORD, Michelle→

director · ~55y · appointed 2009-08-01 · resigned 2021-12-31

Resigned

BEIGHTON, Alan Geoffrey→

director · ~75y · resigned 1998-11-09

Resigned

BOOTH, Graham→

director · ~77y · resigned 1996-01-01

Resigned

BURLEY, Alan→

director · ~84y · resigned 1998-11-09

Resigned

BURLEY, Matthew→

director · ~57y · appointed 1995-12-02 · resigned 2008-05-22

Resigned

CRAIG, Kenneth→

director · ~102y · resigned 1995-05-01

Resigned

DALLYN, Paul Anthony→

director · ~68y · appointed 1998-11-09 · resigned 2010-06-16

Resigned

GIBSON, Ian Alexander→

director · ~63y · appointed 1995-05-01 · resigned 1996-07-26

Resigned

MAWSON, Matthew James→

director · ~58y · appointed 1995-05-01 · resigned 2023-07-03

Resigned

MAXFIELD, Tony→

director · ~73y · appointed 1992-10-16 · resigned 1993-09-01

Resigned

MIDDLETON, Derek→

director · ~100y · resigned 1993-03-19

Resigned

NEWTON, Elaine Terry→

director · ~70y · resigned 1998-11-09

Resigned

SMITH, Alan→

director · ~78y · appointed 1995-05-01 · resigned 1998-11-09

Resigned

TURNER, Simon→

director · ~55y · appointed 1996-12-09 · resigned 1998-11-09

Resigned

VERRYT, John Robert→

director · ~80y · resigned 1998-11-09

Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:5 of 5 shown

		Type	Properties
satisfied	Virgin Money Clydesdale Bank PLC	Debenture	1 property	18/06/2012	18/03/2026
satisfied	Macquarie Bank Macquarie Bank Limited	Debenture	1 property	20/04/2012	09/05/2017
satisfied	National Westminster Bank National Westminster Bank PLC	Legal mortgage	1 property	17/11/1995	02/05/2012
satisfied	Lloyds Banking Group The Royal Bank of Scotland PLC	Legal charge	1 property	01/09/1987	04/10/1996
satisfied	Lloyds Banking Group The Royal Bank of Scotland PLC	Legal charge	1 property	01/09/1987	04/10/1996

Recent filings (178 total)

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2026-07-06

change-person-director-company

officers · CH01

2026-07-06

change-person-director-company

officers · CH01

2026-07-06

change-person-director-company-with-change-date

officers · CH01

2026-07-06

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2026-07-06

change-person-director-company-with-change-date

officers · CH01

2026-07-06

mortgage-satisfy-charge-full

mortgage · MR04

2026-03-18

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2026-02-13

change-person-director-company-with-change-date

officers · CH01

2026-02-13

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2026-02-12

change-person-director-company-with-change-date

officers · CH01

2026-02-12

accounts-with-accounts-type-total-exemption-full

accounts · AA

2026-01-26

confirmation-statement-with-updates

confirmation-statement · CS01

2025-08-11

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2025-08-08

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2025-07-16