BEACH U.K. LIMITED

🌳Matureactive

02323798 · ltd · incorporated 1988-12-01

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

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Aug 2025

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Life insurance

Sector: Financial & insurance

ALSO REGISTERED FOR

65120Non-life insurance

Investor take

Pursue

Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 77/100. Strong seller-intent signal (73/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 31.7y

35/100

too messy

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

· Oldest live charge is 31.7 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· 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, 2 SIC codes, incorporation date

100

Financials

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

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

12 officers (4 active, 12 linked, 8 with DOB)

Ownership & PSC

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

Director network

5 connected companies via shared directors

Filing history

138 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

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.

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	2025-08-31	2024-08-31
Average employees	10	900

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

• 2 mortgage

Last 90 days

filings

• 2 mortgage
• 1 accounts

Last 180 days

filings

• 5 officers
• 2 mortgage
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (42 events)Click to expand

2026-05-21
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-05-21
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-05-21
🔓
Charge satisfied #3
2026-05-21
🔓
Charge satisfied #2
2026-04-09
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-06
📄
change-person-director-company-with-change-date
officers · CH01
2026-03-06
📄
change-person-director-company-with-change-date
officers · CH01
2026-01-14
📄
change-person-director-company-with-change-date
officers · CH01
2026-01-13
📄
change-person-director-company-with-change-date
officers · CH01
2025-12-23
📄
change-person-director-company-with-change-date
officers · CH01
2025-05-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-22
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-05-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-04-24
➖
LING, Nicholas resigned
director
2024-02-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-14
📄
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2023-09-11
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-02-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-04
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-05-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-09-27
🔒
Charge registered #3
Lender: CROWD2FUND Limited
2019-02-13
➕
DALZIEL, Maxwell Joseph Fraser appointed
director
2019-02-13
➕
SMITH, Joanne Louise appointed
director
2019-02-13
➕
LING, Nicholas appointed
director
2015-01-14
➕
DALZIEL, Jennifer appointed
secretary
2015-01-14
➖
DALZIEL, Robert Stephen resigned
secretary
2015-01-14
➖
MACNAMARA, Charles Valentine Fraser resigned
director
2010-05-31
➖
HAMPTON, Kevin David resigned
director
2004-04-02
➕
MACNAMARA, Charles Valentine Fraser appointed
director
2004-03-11
🔓
Charge satisfied #1
2003-06-27
➕
DALZIEL, Robert Stephen appointed
secretary
2003-06-27
➖
HESTER, Philip Martin resigned
secretary
2003-06-27
➖
BEACH, Wayne Lloyd resigned
director
2003-06-27
➖
HEWITT, Paul John resigned
director
2003-06-27
🔒
Charge registered #2
Lender: Hsbc Bank PLC
1997-12-01
➕
DALZIEL, Robert Stephen appointed
director
1994-10-07
🔒
Charge registered #1
Lender: Lloyds Bank PLC
1993-08-07
➕
HAMPTON, Kevin David appointed
director
1992-08-19
➖
BEACH, Madeline Carol resigned
secretary
1992-08-19
➕
HESTER, Philip Martin appointed
secretary
1988-12-01
🏢
Company incorporated
As BEACH U.K. LIMITED

Owner dependency

83/100

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

+Long-tenure founder: Senior director has been in place 29 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 68 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100

Likely off-market candidate

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
primary20+ year tenure: Director in role 29 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 38 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.

Group structure

Dalziel Family Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Dalziel Family Holdings Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

BEACH U.K. LIMITED

This company · 02323798

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
Dalziel Family Holdings Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	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 · SY postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
AB&I ADVISORY LIMITED→ 12092395 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
ABACUS MORTGAGES DIRECT LTD→ 06030018 · est 2006 · no financials extracted	—	—	—	—	19y	—	—
ACTUARIAL AND QUANTITATIVE SERVICES LIMITED→ 09133006 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
AKROYD AND SMITHERS LTD→ 12518975 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
ANCA INVESTMENTS LTD→ 05177508 · est 2004 · no financials extracted	—	—	—	—	21y	—	—
ANCULO LTD→ 11722675 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
ANDREW GRINDLEY FINANCIAL SERVICES LIMITED→ 08660560 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
ANDREW HAGUE LIMITED→ 08026320 · est 2012 · no financials extracted	—	—	—	—	14y	—	—
AUDEMIN INVESTMENTS LIMITED→ 12958219 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
BEAUMONT FINANCIAL PLANNERS LIMITED→ 08707394 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
BEAUMONT WEALTH LIMITED→ 13396187 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
BERWYN LAKELANDS LTD→ 15841877 · est 2024 · no financials extracted	—	—	—	—	1y	—	—

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

Incorporated1988-12-01

Jurisdictionengland-wales

Primary SIC65110 — Life insurance

Registered office

Suite 3, Canon Court North 2

Abbey Lawn

Shrewsbury

Shropshire

SY2 5DE

England

Filing status

Accounts

Next due: 2027-05-31

Last made up to: 2025-08-31

Confirmation statement

Next due: 2027-03-14

Last: 2026-02-28

Officers (4 active · 8 resigned)

DALZIEL, Jennifer→

secretary · appointed 2015-01-14

View their other companies + combined net worth →

Active

DALZIEL, Maxwell Joseph Fraser→

director · ~29y · appointed 2019-02-13

View their other companies + combined net worth →

Active

DALZIEL, Robert Stephen→

director · ~68y · appointed 1997-12-01

View their other companies + combined net worth →

Active

SMITH, Joanne Louise→

director · ~39y · appointed 2019-02-13

View their other companies + combined net worth →

Active

BEACH, Madeline Carol→

secretary · resigned 1992-08-19

Resigned

DALZIEL, Robert Stephen→

secretary · appointed 2003-06-27 · resigned 2015-01-14

Resigned

HESTER, Philip Martin→

secretary · appointed 1992-08-19 · resigned 2003-06-27

Resigned

BEACH, Wayne Lloyd→

director · ~70y · resigned 2003-06-27

Resigned

HAMPTON, Kevin David→

director · ~58y · appointed 1993-08-07 · resigned 2010-05-31

Resigned

HEWITT, Paul John→

director · ~80y · resigned 2003-06-27

Resigned

LING, Nicholas→

director · ~43y · appointed 2019-02-13 · resigned 2024-04-24

Resigned

MACNAMARA, Charles Valentine Fraser→

director · ~68y · appointed 2004-04-02 · resigned 2015-01-14

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:3 of 3 shown

		Type	Properties
satisfied	CROWD2FUND CROWD2FUND Limited	A registered charge	—	27/09/2019	21/05/2026
satisfied	HSBC Hsbc Bank PLC	Debenture	1 property	27/06/2003	21/05/2026
satisfied	Lloyds Banking Group Lloyds Bank PLC	Mortgage	1 property	07/10/1994	11/03/2004

Recent filings (138 total)

mortgage-satisfy-charge-full

mortgage · MR04

2026-05-21

mortgage-satisfy-charge-full

mortgage · MR04

2026-05-21

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

accounts · AA

2026-04-09

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-03-06