BECK HOLDINGS LIMITED

🌳Matureactive
03050597 · ltd · incorporated 1995-04-27
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 30.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£1.76M
book net assets
Opportunity
74/100
Strong
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What this business does
Primary activity: Activities of other holding companies n.e.c.
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and acceptable with review structure.

Opportunity 74/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 6 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

6 live charges · 2 lenders · oldest 30.3y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 30.3 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 30/100 — 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, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
16 officers (3 active, 16 linked, 8 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
112 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
65
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £1,761,355
Net assets shrinking
Down £29,285 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£1.8m
↓ 1.6% YoY
Current Assets
£53k
↓ 35% YoY
Current Liabilities
—
£0£358k£716k£1.1m£1.4m£1.8mDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£1.86M£1.88M
Current assets£53.3k£82.6k
Cash—£22.6k
Debtors£53.3k£60.0k
Net assets£1.76M£1.79M

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 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (51 events)Click to expand
  1. 2025-09-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-05-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-05-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-05-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2022-06-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-04-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-05-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-05-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-05-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2017-05-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2016-06-03
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2016-04-29
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  13. 2015-05-26
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2015-05-11
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2014-07-14
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2011-06-07
    ➖
    TOPHAM, Paul Alan resigned
    director
  17. 2008-04-01
    🔒
    Charge registered #7
    Lender: Lloyds Tsb Bank PLC
  18. 2008-03-01
    ➕
    CALLGHAN, Tracy appointed
    secretary
  19. 2008-03-01
    ➖
    TOPHAM, Lee Michael John resigned
    secretary
  20. 2007-01-05
    🔒
    Charge registered #5
    Lender: Lloyds Tsb Bank PLC
  21. 2006-06-16
    ➖
    SMITH, Lorraine resigned
    secretary
  22. 2006-06-16
    ➕
    TOPHAM, Lee Michael John appointed
    secretary
  23. 2004-05-31
    ➖
    TOPHAM, Julian Cedric resigned
    director
  24. 2004-04-02
    🔒
    Charge registered #4
    Lender: Lloyds Tsb Bank PLC
  25. 2003-07-10
    ➕
    SMITH, Lorraine appointed
    secretary
  26. 2003-07-10
    ➖
    TOPHAM, Julian Cedric resigned
    secretary
  27. 2002-07-21
    ➖
    TOPHAM, Cedric Henry resigned
    director
  28. 2001-10-27
    ➖
    MACHIN, Mary resigned
    secretary
  29. 2001-10-27
    ➕
    TOPHAM, Julian Cedric appointed
    secretary
  30. 2001-09-23
    ➖
    TOPHAM, Moira resigned
    director
  31. 2000-01-17
    ➕
    TOPHAM, Gary Oscar Dalton appointed
    director
  32. 2000-01-17
    ➕
    TOPHAM, Lee Michael John appointed
    director
  33. 2000-01-17
    ➕
    TOPHAM, Julian Cedric appointed
    director
  34. 2000-01-17
    ➕
    TOPHAM, Paul Alan appointed
    director
  35. 1999-10-04
    ➖
    GRASSBY, Alec Lindsay resigned
    secretary
  36. 1999-10-04
    ➕
    MACHIN, Mary appointed
    secretary
  37. 1999-10-04
    ➖
    GRASSBY, Alec Lindsay resigned
    director
  38. 1999-10-04
    ➖
    GRASSBY, Hildegarde Maria Magdalena resigned
    director
  39. 1996-12-20
    🔒
    Charge registered #3
    Lender: Lloyds Bank PLC
  40. 1996-03-05
    🔒
    Charge registered #2
    Lender: Lloyds Bank PLC
  41. 1996-02-23
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  42. 1995-04-27
    🏢
    Company incorporated
    As BECK HOLDINGS LIMITED
  43. 1995-04-27
    ➕
    GRASSBY, Alec Lindsay appointed
    secretary
  44. 1995-04-27
    ➕
    HARRISON, Irene Lesley appointed
    nominee-secretary
  45. 1995-04-27
    ➖
    HARRISON, Irene Lesley resigned
    nominee-secretary
  46. 1995-04-27
    ➕
    GRASSBY, Alec Lindsay appointed
    director
  47. 1995-04-27
    ➕
    GRASSBY, Hildegarde Maria Magdalena appointed
    director
  48. 1995-04-27
    ➕
    TOPHAM, Cedric Henry appointed
    director
  49. 1995-04-27
    ➕
    TOPHAM, Moira appointed
    director
  50. 1995-04-27
    ➕
    BUSINESS INFORMATION RESEARCH & REPORTING LIMITED appointed
    corporate-nominee-director
Showing most recent 50 of 51 events

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

66/100
Strong succession signal

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

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 31 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 low
6 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
Lee Michael John Topham
Individual · British · DOB 10/1972 · age 54
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Gary Oscar Dalton Topham
Individual · British · DOB 08/1969 · age 57
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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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
Incorporated1995-04-27
Jurisdictionengland-wales
Primary SIC64209 — Activities of other holding companies n.e.c.

Registered office

Beck House Hunmanby Industrial Estate
Bridlington Road
Hunmanby
North Yorkshire
YO14 0PH

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-05-11
Last: 2026-04-27

Officers (3 active · 13 resigned)

CALLGHAN, Tracy→
secretary · appointed 2008-03-01
View their other companies + combined net worth →
Active
TOPHAM, Gary Oscar Dalton→
director · ~57y · appointed 2000-01-17
View their other companies + combined net worth →
Active
TOPHAM, Lee Michael John→
director · ~54y · appointed 2000-01-17
View their other companies + combined net worth →
Active
GRASSBY, Alec Lindsay→
secretary · appointed 1995-04-27 · resigned 1999-10-04
Resigned
HARRISON, Irene Lesley→
nominee-secretary · appointed 1995-04-27 · resigned 1995-04-27
Resigned
MACHIN, Mary→
secretary · appointed 1999-10-04 · resigned 2001-10-27
Resigned
SMITH, Lorraine→
secretary · appointed 2003-07-10 · resigned 2006-06-16
Resigned
TOPHAM, Julian Cedric→
secretary · appointed 2001-10-27 · resigned 2003-07-10
Resigned
TOPHAM, Lee Michael John→
secretary · appointed 2006-06-16 · resigned 2008-03-01
Resigned
GRASSBY, Alec Lindsay→
director · ~97y · appointed 1995-04-27 · resigned 1999-10-04
Resigned
GRASSBY, Hildegarde Maria Magdalena→
director · ~96y · appointed 1995-04-27 · resigned 1999-10-04
Resigned
TOPHAM, Cedric Henry→
director · ~91y · appointed 1995-04-27 · resigned 2002-07-21
Resigned
TOPHAM, Julian Cedric→
director · ~62y · appointed 2000-01-17 · resigned 2004-05-31
Resigned
TOPHAM, Moira→
director · ~90y · appointed 1995-04-27 · resigned 2001-09-23
Resigned
TOPHAM, Paul Alan→
director · ~59y · appointed 2000-01-17 · resigned 2011-06-07
Resigned
BUSINESS INFORMATION RESEARCH & REPORTING LIMITED→
corporate-nominee-director · appointed 1995-04-27 · resigned 1995-04-27
Resigned

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

Mortgages & charges

6
Total charges
6
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed1 property01/04/2008—
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage2 properties05/01/2007—
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed1 property02/04/2004—
outstanding
Lloyds Banking Group
Lloyds Bank PLC
Mortgage1 property20/12/1996—
outstanding
Lloyds Banking Group
Lloyds Bank PLC
Charge1 property05/03/1996—
outstanding
Lloyds Banking Group
Lloyds Bank PLC
Legal charge1 property23/02/1996—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (112 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-05
change-person-director-company-with-change-date
officers · CH01
2023-05-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-05-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-04-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-05-07