BOWERSTOCK LIMITED

🌳Matureactive
02347317 · ltd · incorporated 1989-02-13
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
64/100
Worth a look
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)
Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 64/100 (worth a look), bankability 47/100. Strong seller-intent signal (63/100, director aged 70). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

21 live charges · 5 lenders · oldest 37.3y

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 37.3 years old — likely at or near maturity.
  • · 5 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

Data confidence

Overall: medium (79/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
21 charges (21/21 with lender, 21/21 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
132 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
64/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
50
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
56
Some moderate concerns — review 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
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Average employees200200

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
0
filings
Last 90 days
1
filing
  • • 1 miscellaneous
Last 180 days
2
filings
  • • 1 miscellaneous
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (51 events)Click to expand
  1. 2026-05-21
    📄
    legacy
    miscellaneous · RP01PSC01
  2. 2026-01-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2025-04-16
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2024-12-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-02-12
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  6. 2023-12-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2023-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-05-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-03-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2021-03-01
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2020-03-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2020-03-10
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  14. 2020-03-03
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  15. 2018-12-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2017-12-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2009-06-05
    🔓
    Charge satisfied #20
  18. 2009-05-29
    🔓
    Charge satisfied #10
  19. 2009-05-29
    🔓
    Charge satisfied #9
  20. 2002-12-07
    🔓
    Charge satisfied #17
  21. 2002-12-07
    🔓
    Charge satisfied #14
  22. 2002-12-07
    🔓
    Charge satisfied #12
  23. 2002-10-25
    🔒
    Charge registered #21
    Lender: Paragon Mortgages Limited
  24. 2002-10-25
    🔒
    Charge registered #20
    Lender: Paragon Mortgages Limited
  25. 2002-10-25
    🔒
    Charge registered #19
    Lender: Paragon Mortgages LTD
  26. 2002-10-25
    🔒
    Charge registered #18
    Lender: Paragon Mortgages LTD
  27. 2002-03-08
    🔒
    Charge registered #17
    Lender: Lloyds Tsb Bank PLC
  28. 2001-12-20
    🔒
    Charge registered #16
    Lender: Lloyds Tsb Bank PLC
  29. 2001-05-01
    🔓
    Charge satisfied #8
  30. 2001-05-01
    🔓
    Charge satisfied #7
  31. 2001-05-01
    🔓
    Charge satisfied #6
  32. 2001-05-01
    🔓
    Charge satisfied #5
  33. 2001-05-01
    🔓
    Charge satisfied #4
  34. 2001-05-01
    🔓
    Charge satisfied #3
  35. 2001-05-01
    🔓
    Charge satisfied #2
  36. 2000-10-16
    🔒
    Charge registered #15
    Lender: Lloyds Tsb Bank PLC
  37. 2000-09-25
    🔒
    Charge registered #14
    Lender: Lloyds Tsb Bank PLC
  38. 2000-09-25
    🔒
    Charge registered #13
    Lender: Lloyds Tsb Bank PLC
  39. 1999-06-18
    🔒
    Charge registered #12
    Lender: Lloyds Bank PLC
  40. 1999-01-26
    🔒
    Charge registered #11
    Lender: Lloyds Bank PLC
  41. 1998-12-15
    🔒
    Charge registered #10
    Lender: Paragon Mortgages Limited
  42. 1998-12-15
    🔒
    Charge registered #9
    Lender: Paragon Mortgages Limited
  43. 1997-02-10
    🔒
    Charge registered #8
    Lender: National Westminster Bank PLC
  44. 1996-02-13
    🔒
    Charge registered #7
    Lender: National Westminster Bank PLC
  45. 1996-02-13
    🔒
    Charge registered #6
    Lender: National Westminster Bank PLC
  46. 1995-03-14
    🔒
    Charge registered #5
    Lender: National Westminster Bank PLC
  47. 1994-10-10
    🔒
    Charge registered #4
    Lender: National Westminster Bank PLC
  48. 1994-09-01
    🔒
    Charge registered #3
    Lender: National Westminster Bank PLC
  49. 1994-03-14
    🔒
    Charge registered #2
    Lender: National Westminster Bank PLC
  50. 1989-03-25
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
Showing most recent 50 of 51 events

Owner dependency

81/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 70 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondaryStable-but-static management: Company is 37 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

1 high · 1 med · 1 low
Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-03-14

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.

8 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Nicholas Andrew Pankhurst
Individual · British · DOB 10/1960 · age 66
25–50%
—25-50% shares01/07/2016
Richard Arthur Pankhurst
Individual · British · DOB 08/1956 · age 70
25–50%
—25-50% shares · firm interest01/07/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

9 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
Incorporated1989-02-13
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Stafford House
10 Prince Of Wales Road
Dorchester
Dorset
DT1 1PW

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-03-14OVERDUE
Last: 2025-02-28

Officers (3 active · 0 resigned)

PANKHURST, Nicholas Andrew→
secretary
View their other companies + combined net worth →
Active
PANKHURST, Nicholas Andrew→
director · ~66y
View their other companies + combined net worth →
Active
PANKHURST, Richard Arthur→
director · ~70y
View their other companies + combined net worth →
Active

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

Mortgages & charges

21
Total charges
8
Outstanding
2
Active lenders
Status:Lender:21 of 21 shown
TypeProperties
outstanding
Paragon
Paragon Mortgages Limited
Legal charge1 property25/10/2002—
satisfied
Paragon
Paragon Mortgages Limited
Legal charge1 property25/10/200205/06/2009
outstanding
Paragon
Paragon Mortgages LTD
Legal charge2 properties25/10/2002—
outstanding
Paragon
Paragon Mortgages LTD
Legal charge2 properties25/10/2002—
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed1 property08/03/200207/12/2002
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed2 properties20/12/2001—
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property16/10/2000—
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed2 properties25/09/200007/12/2002
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed1 property25/09/2000—
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Mortgage deed1 property18/06/199907/12/2002
outstanding
Lloyds Banking Group
Lloyds Bank PLC
Mortgage1 property26/01/1999—
satisfied
Paragon
Paragon Mortgages Limited
Legal charge1 property15/12/199829/05/2009
satisfied
Paragon
Paragon Mortgages Limited
Legal charge1 property15/12/199829/05/2009
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property10/02/199701/05/2001
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage2 properties13/02/199601/05/2001
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage2 properties13/02/199601/05/2001
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property14/03/199501/05/2001
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property10/10/199401/05/2001
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property01/09/199401/05/2001
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property14/03/199401/05/2001
outstanding
Lloyds Banking Group
Lloyds Bank PLC
Mortgage1 property25/03/1989—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (132 total)

legacy
miscellaneous · RP01PSC01
2026-05-21
accounts-with-accounts-type-micro-entity
accounts · AA
2026-01-29
change-person-director-company-with-change-date
officers · CH01
2025-04-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-16
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-25
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2024-02-12
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-31
change-person-director-company-with-change-date
officers · CH01
2021-03-01