BOWMORE FINANCIAL PLANNING LIMITED

🌳Matureactive

01633500 · ltd · incorporated 1982-05-06

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.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jun 2025

Net worth

—

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (63/100, director aged 70). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

6 live charges · 5 lenders · oldest 40.3y

25/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 40.3 years old — likely at or near maturity.
· 5 lenders named — inter-creditor friction likely.
· Legal-friction score 35/100 — workable, but lender will want more DD.
· Not currently profitable — coverage conversation is a harder sell.

Data confidence

Overall: high (84/100)

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

6 charges (6/6 with lender, 6/6 with type)

Directors & officers

10 officers (6 active, 10 linked, 9 with DOB)

Ownership & PSC

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

Director network

20 connected companies via shared directors

Filing history

172 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

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

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.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Loss-making

Loss before tax £181,464

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	2025-06-30	2024-06-30
Profit before tax	£-181.5k	—
Average employees	27	2300

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

🔒Filing-note intelligence

2 signals 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

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (39 events)Click to expand

2025-12-23
📄
accounts-with-accounts-type-small
accounts · AA
2025-01-31
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-01-31
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-01-30
➕
DANIELS, Jonathan Mark Brewis appointed
director
2025-01-30
➕
GANPATSINGH, Roger Ian appointed
director
2024-10-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-10
📄
change-person-director-company-with-change-date
officers · CH01
2024-09-10
📄
change-person-secretary-company-with-change-date
officers · CH03
2023-10-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-30
📍
change-sail-address-company-with-old-address-new-address
address · AD02
2020-11-12
📍
move-registers-to-sail-company-with-new-address
address · AD03
2020-11-12
📍
change-sail-address-company-with-new-address
address · AD02
2020-11-11
📄
change-account-reference-date-company-current-extended
accounts · AA01
2020-10-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-09-30
➖
YATES, Christian James Kurt resigned
director
2020-08-27
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-08-25
🔒
Charge registered #6
Lender: Barclays Security Trustee Limited
2020-06-09
📄
resolution
resolution · RESOLUTIONS
2020-05-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-02-01
➕
O'NEILL, Alison Maria appointed
director
2015-12-04
➖
CRITCHLOW, Sharon resigned
director
2015-09-21
➕
MILLEN, Gillian Pamela appointed
director
2015-02-01
➕
YATES, Christian James Kurt appointed
director
2014-11-12
➖
SCOBIE, Mark Stephen resigned
director
2013-03-23
🔓
Charge satisfied #5
2004-04-26
➖
SCOBIE, Paul Curtis resigned
director
2002-07-15
➕
CRITCHLOW, Sharon appointed
director
1998-12-04
🔓
Charge satisfied #4
1997-09-01
➕
SCOBIE, Paul Curtis appointed
director
1996-11-16
🔓
Charge satisfied #3
1993-12-02
🔒
Charge registered #5
Lender: Royscot Trust PLC
1993-08-12
🔒
Charge registered #4
Lender: Lloyds Bank PLC
1990-10-02
🔓
Charge satisfied #2
1990-10-01
🔒
Charge registered #3
Lender: Marine and General Mutual Life Assurance Society
1989-06-23
🔒
Charge registered #2
Lender: Lloyds Bank PLC
1986-03-14
🔒
Charge registered #1
Lender: Midland Bank PLC
1982-05-06
🏢
Company incorporated
As BOWMORE FINANCIAL PLANNING LIMITED

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 70 — succession pressure is live.

Succession & seller-readiness

65/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
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

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr Mark Wayne Incledon Individual · British · DOB 09/1956 · age 70	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.

See pricing →

Similar companies

Active · Financial services · BS postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BATH AND WEST FINANCE 8 LIMITED→ 13986266 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
BERRYWELL NUTRITION LIMITED→ 14447570 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
BEST MORTGAGE ADVISER LTD→ 11347700 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
BIRNBECK FINANCE LIMITED→ 01158939 · est 1974 · no financials extracted	—	—	—	—	52y	—	—
BLACKSTABLE LIMITED→ 07472738 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
BNS SERVICES LIMITED→ 06097668 · est 2007 · no financials extracted	—	—	—	—	19y	—	—
BRIDGEWICK LIMITED→ 03313719 · est 1997 · no financials extracted	—	—	—	—	29y	—	—
BRISTOL ROSE COMMERCIAL LIMITED→ 16457552 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BRUNEL INDEPENDENT FINANCIAL PLANNERS LIMITED→ 09046783 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
BRUNEL PI BROKERS LTD→ 15237559 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
BRUSON ASSETS LTD→ 16975453 · est 2026 · no financials extracted	—	—	—	—	—	—	—
BRYLEY INVESTMENTS LTD→ 16286320 · est 2025 · no financials extracted	—	—	—	—	1y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

8 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

Incorporated1982-05-06

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Suite 5 Farleigh House Farleigh

Court Old Weston Road

Flax Bourton

Bristol

BS48 1UR

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2027-04-30

Last: 2026-04-16