B.R. NEEDHAM (FINANCIAL SERVICES) LIMITED
🌳Matureactive
02567553 · ltd · incorporated 1990-12-11
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 May 2025
Net worth
£22
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 76-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -40% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (76/100)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
Confirmed no charges registered
85
Directors & officers
4 officers (3 active, 4 linked, 2 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
85 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £22
Net assets shrinking
Down £859 YoY
Cash YoY
-40%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£11k
↓ 40% YoY
Net Worth
£22
↓ 98% YoY
Current Assets
£29k
↑ 18% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £320 | £1.4k |
| Current assets | £28.6k | £24.2k |
| Cash | £11.1k | £18.4k |
| Debtors | £17.5k | £5.8k |
| Net assets | £22 | £881 |
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 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2026-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-14📄change-person-director-company-with-change-dateofficers · CH01
- 2021-03-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-14📄resolutionresolution · RESOLUTIONS
- 2020-07-13📄memorandum-articlesincorporation · MA
- 2020-07-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-07-01➕NEEDHAM, Christopher Edward appointeddirector
- 2020-07-01📄capital-allotment-sharescapital · SH01
- 2020-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-02-28📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2000-11-27➕NEEDHAM, Mary Martina Geraldine appointedsecretary
- 2000-11-27➖NEEDHAM, Margaret Rose resignedsecretary
- 1990-12-11🏢Company incorporatedAs B.R. NEEDHAM (FINANCIAL SERVICES) LIMITED
Owner dependency
96/100
Critical — business is the founderThe 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 name in company name: Company name contains director surname "NEEDHAM" — strong identity link between founder and business.
- +Founder age: Director aged approximately 76 — 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 candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 76 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 35 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanNo 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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Benjamin Robert Needham Individual · British · DOB 04/1950 · age 76 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/06/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · SG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A PLUS CAPITAL PARTNERS LTD→ 16501610 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALDBURY CAPITAL LIMITED→ 12031598 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AM PROTECTION LTD→ 17045471 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| APW GROUP LTD→ 16715206 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ARISTO (CATERING) LIMITED→ 00349233 · est 1939 · no financials extracted | — | — | — | — | 87y | — | — |
| ART REPUBLIC LIMITED→ 16180922 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ARTEMIS SECURITY LTD→ 16755767 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AWR MORTGAGES LTD→ 13316222 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AZUREBLU LIMITED→ 10913190 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| B.A.G SERVICES (CHESHUNT) LIMITED→ 08406279 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| BARBICAN INDEPENDENT FINANCIAL ADVISORS LIMITED→ 02148186 · est 1987 · no financials extracted | — | — | — | — | 38y | — | — |
| BAY HALE INVESTMENTS LTD→ 14709719 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated1990-12-11
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Janelle House
Hartham Lane
Hertford
Hertfordshire
SG14 1QN
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-12-15
Last: 2025-12-01
Officers (3 active · 1 resigned)
NEEDHAM, Mary Martina Geraldine→
Activesecretary · appointed 2000-11-27
View their other companies + combined net worth →
Active
NEEDHAM, Christopher Edward→
Activedirector · ~53y · appointed 2020-07-01
View their other companies + combined net worth →
NEEDHAM, Margaret Rose→
Resignedsecretary · resigned 2000-11-27
Click a director name to see their full track record across all companies.
Recent filings (85 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-28
change-person-director-company-with-change-date
officers · CH01
2021-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-16
confirmation-statement-with-updates
confirmation-statement · CS01
2020-12-11
resolution
resolution · RESOLUTIONS
2020-08-14
memorandum-articles
incorporation · MA
2020-07-13