BUSINESS & ENTERPRISE FINANCE LTD.
🌳Matureactive
01792109 · private-limited-guarant-nsc · incorporated 1984-02-15
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
—
not disclosed
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 75/100 (strong), bankability 57/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
46 live charges · 9 lenders · oldest 15.2y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 15.2 years old — likely at or near maturity.
- · 9 lenders named — inter-creditor friction likely.
- · Legal-friction score 45/100 (high).
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
46 charges (46/46 with lender, 46/46 with type)
90
Directors & officers
41 officers (8 active, 41 linked, 36 with DOB)
88
Ownership & PSC
0 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
320 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 2 mortgage
Last 180 days
2
filings
- • 2 mortgage
Counts from Companies House filing history.
Corporate timeline (176 events)Click to expand
- 2026-04-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-10🔒Charge registered #47Lender: Lloyds Bank PLC
- 2026-04-10🔒Charge registered #46Lender: Community Investment Facility 2 Limited
- 2025-07-18📄accounts-with-accounts-type-smallaccounts · AA
- 2024-11-08📄accounts-with-accounts-type-smallaccounts · AA
- 2024-03-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-26🔒Charge registered #45Lender: Community Investment Facility 2 Limited
- 2024-02-26🔒Charge registered #44Lender: Lloyds Bank PLC
- 2023-10-11📄accounts-with-accounts-type-smallaccounts · AA
- 2023-07-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-07-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-07-01➕HEMBROW, Penelope Jane Bradley appointeddirector
- 2023-07-01➕HURRELL, Katie Rosanne appointeddirector
- 2023-04-28➖LYNCH, Malcolm John resigneddirector
- 2023-04-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-02-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-02-08➕BEARDSLEY, Alexandra appointeddirector
- 2023-02-08➖UNDERWOOD, Lee Ramon resigneddirector
- 2023-02-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-02-02➖BEARDSLEY, Alexandra resigneddirector
- 2023-02-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-11-10➖NICHOLSON, Stephen John resigneddirector
- 2022-11-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-09-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-09-12➕JACKSON, Simon Mark, Mr. appointeddirector
- 2022-08-11📄accounts-with-accounts-type-smallaccounts · AA
- 2022-06-20📄notification-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC08
- 2022-06-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-06-17➕MASON, James Matthew appointeddirector
- 2022-06-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-06-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-06-06➕BEARDMORE, Laurence John appointeddirector
- 2022-04-29➖NEEDHAM, Sandra resigneddirector
- 2022-02-07➖BEAUMONT, Nicola resigneddirector
- 2021-12-13➕HAMILTON, Timothy Grant appointeddirector
- 2021-12-13➕BEARDSLEY, Alexandra appointeddirector
- 2021-10-11➖REBECCHI, Kim Louise resigneddirector
- 2021-05-18🔓Charge satisfied #1
- 2020-04-09🔒Charge registered #43Lender: Unity Trust Bank PLC
- 2020-02-18🔓Charge satisfied #41
- 2019-12-09➖CATON, Andrew Mark resigneddirector
- 2019-10-29🔓Charge satisfied #36
- 2019-10-29🔓Charge satisfied #19
- 2019-09-25🔓Charge satisfied #13
- 2019-05-29➕BEAUMONT, Nicola appointeddirector
- 2019-03-19➖ABENBROOK, Julian Chima resigneddirector
- 2019-03-05🔒Charge registered #42Lender: Community Investment Facility Limited
- 2018-11-13🔒Charge registered #41Lender: Community Investment Facility Limited
Showing most recent 50 of 176 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -8 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
63/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondary12+ year tenure: Director in role 20 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
8 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
🔒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 · BD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALEXANDER FINANCIAL SOLUTIONS LTD→ 11365305 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ARGENTUM RESET LTD→ 17089809 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ARSHAD HOLDINGS LIMITED→ 16747741 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BEF (LONDON) LTD→ 15991707 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BEF BSC 2 LTD→ 15307277 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BEF NPIF 2 YH LTD→ 15417617 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| BEF(NW) LTD→ 15992353 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BH WEALTH MANAGEMENT LTD→ 17014233 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BLACK SHIELD SECURITY LTD→ 16271111 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BRIGHTMINDS HR LTD→ 16868645 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BUSH INSURANCE SOLUTIONS LTD→ 09022855 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| C.R.E.A.M CAPITAL LIMITED→ 14766699 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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
Typeprivate-limited-guarant-nsc
Incorporated1984-02-15
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
City Hub 9- 11 Peckover Street
Little Germany
Bradford
BD1 5BD
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-16
Last: 2025-10-02
Officers (8 active · 33 resigned)
BEARDMORE, Laurence John→
Activedirector · ~62y · appointed 2022-06-06
View their other companies + combined net worth →
BEARDSLEY, Alexandra→
Activedirector · ~41y · appointed 2023-02-08
View their other companies + combined net worth →
HAMILTON, Timothy Grant→
Activedirector · ~64y · appointed 2021-12-13
View their other companies + combined net worth →
HEMBROW, Penelope Jane Bradley→
Activedirector · ~63y · appointed 2023-07-01
View their other companies + combined net worth →
HURRELL, Katie Rosanne→
Activedirector · ~45y · appointed 2023-07-01
View their other companies + combined net worth →
JACKSON, Simon Mark, Mr.→
Activedirector · ~60y · appointed 2022-09-12
View their other companies + combined net worth →
MASON, James Matthew→
Activedirector · ~48y · appointed 2022-06-17
View their other companies + combined net worth →
WAUD, Stephen Arthur, Mr.→
Activedirector · ~58y · appointed 2006-11-23
View their other companies + combined net worth →
BARRACLOUGH, Robert James→
Resignedsecretary · appointed 1993-01-06 · resigned 1995-07-31
BURROWS, David William→
Resignedsecretary · resigned 1993-01-06
RATCLIFFE, Timothy Harvey→
Resignedsecretary · appointed 1996-07-02 · resigned 2005-10-20
SNOOK, Julie Alexandra→
Resignedsecretary · appointed 2005-10-20 · resigned 2015-07-09
WILKINSON, David Goss→
Resignedsecretary · appointed 1995-08-01 · resigned 1996-07-02
ABENBROOK, Julian Chima→
Resigneddirector · ~59y · appointed 2015-07-09 · resigned 2019-03-19
BEARDSLEY, Alexandra→
Resigneddirector · ~41y · appointed 2021-12-13 · resigned 2023-02-02
BEATTIE, Roslyn→
Resigneddirector · ~80y · appointed 2011-09-20 · resigned 2014-11-07
BEAUMONT, Nicola→
Resigneddirector · ~59y · appointed 2019-05-29 · resigned 2022-02-07
BELL, Howard James→
Resigneddirector · ~82y · appointed 1996-07-02 · resigned 1998-09-29
BINNIE, John→
Resigneddirector · ~91y · resigned 1993-10-14
CANNELL, Robert James→
Resigneddirector · ~70y · appointed 1998-09-29 · resigned 1999-10-12
Click a director name to see their full track record across all companies.
Mortgages & charges
46
Total charges
8
Outstanding
4
Active lenders
Status:Lender:46 of 46 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 10/04/2026 | — | |
| outstanding | Community Investment Facility 2 Community Investment Facility 2 Limited | A registered charge | — | 10/04/2026 | — | |
| outstanding | Community Investment Facility 2 Community Investment Facility 2 Limited | A registered charge | — | 26/02/2024 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 26/02/2024 | — | |
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 09/04/2020 | — | |
| outstanding | Community Investment Facility Community Investment Facility Limited | A registered charge | — | 05/03/2019 | — | |
| satisfied | Community Investment Facility Community Investment Facility Limited | A registered charge | — | 13/11/2018 | 18/02/2020 | |
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 06/11/2017 | — | |
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | — | 18/10/2017 | — | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 29/04/2016 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 04/02/2016 | 01/08/2017 | |
| satisfied | The European Investment Fund (Acting on Behalf of Eu Microfinance Platform Fcp-Fis European Progress Microfinance Fund) | A registered charge | — | 17/12/2015 | 29/10/2019 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 12/11/2015 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 14/10/2015 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 09/07/2015 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 05/06/2015 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 21/04/2015 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 12/03/2015 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 25/02/2015 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 12/01/2015 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 11/12/2014 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 17/11/2014 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 21/10/2014 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 22/09/2014 | 01/08/2017 | |
| satisfied | The Bradford Enterprise Agency T/a Business Enterprise Fund | A registered charge | — | 08/09/2014 | 30/09/2014 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 22/08/2014 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 16/07/2014 | 01/08/2017 | |
| satisfied | The European Investment Fund (Acting on Behalf of Eu Microfinance Platform Fcp-Fis - European Progress Microfinance Fund) | A registered charge | — | 30/06/2014 | 29/10/2019 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 17/06/2014 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 15/05/2014 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 15/04/2014 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 14/03/2014 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 25/02/2014 | 01/08/2017 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 18/02/2014 | 25/09/2019 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 22/01/2014 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 14/11/2013 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 14/11/2013 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 02/10/2013 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 11/09/2013 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | — | 12/08/2013 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank Limited | A registered charge | 1 property | 10/07/2013 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | — | 24/06/2013 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 14/05/2013 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | Debenture | 1 property | 14/02/2013 | 01/08/2017 | |
| satisfied | Unity Trust Bank Unity Trust Bank PLC | Assignment | 1 property | 14/02/2013 | 01/08/2017 | |
| satisfied | City of Bradford Metropolitan District Council | Legal charge | 1 property | 23/03/2011 | 18/05/2021 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (320 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-22
accounts-with-accounts-type-small
accounts · AA
2025-07-18
accounts-with-accounts-type-small
accounts · AA
2024-11-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-03-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-03-01
accounts-with-accounts-type-small
accounts · AA
2023-10-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-21
appoint-person-director-company-with-name-date
officers · AP01
2023-07-04
appoint-person-director-company-with-name-date
officers · AP01
2023-07-04
termination-director-company-with-name-termination-date
officers · TM01
2023-04-28
appoint-person-director-company-with-name-date
officers · AP01
2023-02-09