B. J. PHILLIPS LIMITED

🌳Matureactive

01573575 · ltd · incorporated 1981-07-10

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 42.4y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

—

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Other retail sale in non-specialised stores

Sector: Wholesale & retail

Investor take

Pursue

Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 82/100 (exceptional), bankability 80/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 42.4y

65/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 42.4 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

9 officers (7 active, 9 linked, 8 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

2 connected companies via shared directors

Filing history

101 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31	2024-03-31
Average employees	700	700

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days

filings

Last 90 days

filings

• 1 confirmation-statement
• 1 officers

Last 180 days

filings

• 1 confirmation-statement
• 1 officers

Counts from Companies House filing history.

Corporate timeline (27 events)Click to expand

2026-04-20
📄
change-person-director-company-with-change-date
officers · CH01
2025-12-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-13
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-07-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-07-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-09-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-01
➕
PHILLIPS, Elizabeth appointed
director
2022-04-09
📄
capital-name-of-class-of-shares
capital · SH08
2021-09-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-04-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-12-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-03-31
➕
PHILLIPS, Barry John appointed
director
2020-03-31
➕
PHILLIPS, Marion appointed
director
2020-03-31
➖
PHILLIPS, Barry John resigned
director
2020-03-31
➖
PHILLIPS, Marion resigned
director
2019-12-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-06-10
📄
change-person-director-company-with-change-date
officers · CH01
2019-05-20
📄
change-person-director-company-with-change-date
officers · CH01
2019-05-20
📄
change-person-director-company-with-change-date
officers · CH01
2013-08-13
➕
PHILLIPS, Jonathan appointed
director
2002-01-07
➕
PHILLIPS, Mark appointed
director
1993-04-01
➕
PHILLIPS, Darren Mark appointed
director
1984-03-05
🔒
Charge registered #1
Lender: Midland Bank PLC
1981-07-10
🏢
Company incorporated
As B. J. PHILLIPS LIMITED

Owner dependency

88/100

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

-6 active directors: Broader management team in place — suggests transferable governance.
+Founder name in company name: Company name contains director surname "PHILLIPS" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 33 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 77 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

50/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primaryFamily succession underway: Not a takeover target — PHILLIPS, Elizabeth (same surname) appointed 2022-06-01. Pattern consistent with intra-family handover.
primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
primary20+ year tenure: Director in role 33 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 45 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

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr Barry John Phillips Individual · British · DOB 05/1949 · age 77	25–50%	—	25-50% shares	15/11/2016

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

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.

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Company details

Statusactive

Typeltd

Incorporated1981-07-10

Jurisdictionengland-wales

Primary SIC47190 — Other retail sale in non-specialised stores

Registered office

57a The Broadway

Leigh-On-Sea

Essex

SS9 1PE

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-02-26

Last: 2026-02-12