BBI FINANCE LIMITED
🌳Matureactive
03102002 · ltd · incorporated 1995-09-14
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 25.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
69/100
Strong
What this business does
Primary activity: Financial leasing
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 69/100 (strong), bankability 65/100. Strong seller-intent signal (68/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: strategic trade sale (48/100).
🏦
Refinance opportunity
9 live charges · oldest 25.7y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 25.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (57/100)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
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
12 officers (3 active, 12 linked, 8 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
124 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
59
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (55 events)Click to expand
- 2026-03-12📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-12-15📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-11-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-11-05📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-05➖ILLIDGE, Stephen Richard resignedsecretary
- 2024-11-05➖ILLIDGE, Stephen Richard resigneddirector
- 2023-11-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-30📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-01-30📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-01-02➕ILLIDGE, George appointeddirector
- 2021-01-02➕ILLIDGE, James Robert appointeddirector
- 2020-11-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-11-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-09-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-10-24📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-10-13🔓Charge satisfied #9
- 2016-10-13🔓Charge satisfied #8
- 2016-10-13🔓Charge satisfied #7
- 2016-10-13🔓Charge satisfied #6
- 2016-10-13🔓Charge satisfied #5
- 2016-10-13🔓Charge satisfied #4
- 2016-10-13🔓Charge satisfied #3
- 2016-10-13🔓Charge satisfied #2
- 2016-10-13🔓Charge satisfied #1
- 2015-01-05➖THOMAS, Allan David resigneddirector
- 2002-04-24➕ILLIDGE, Stephen Richard appointeddirector
- 2002-04-10🔒Charge registered #9Lender: First National Bank PLC
- 2002-02-14🔒Charge registered #8Lender: First National Bank PLC
- 2001-11-19🔒Charge registered #7Lender: First National Bank PLC
- 2001-08-13🔒Charge registered #6Lender: First National Bank PLC
- 2001-04-26🔒Charge registered #5Lender: First National Bank PLC
- 2001-04-06🔒Charge registered #4Lender: First National Bank PLC
- 2001-01-24🔒Charge registered #3Lender: First National Bank PLC
- 2000-12-13🔒Charge registered #2Lender: First National Bank PLC
- 2000-10-30🔒Charge registered #1Lender: First National Bank PLC
- 1999-03-10➖ILLIDGE, Annette Christine resignedsecretary
- 1999-01-21➕THOMAS, Allan David appointeddirector
- 1998-12-23➖ILLIDGE, Stephen Richard resigneddirector
- 1998-12-21➕ILLIDGE, Annette Christine appointeddirector
- 1997-12-10➕ILLIDGE, Annette Christine appointedsecretary
- 1997-09-12➖RAWORTH, Colin resigneddirector
- 1996-09-09➖AZIZ, Rustem resigneddirector
- 1996-05-22➕AZIZ, Rustem appointeddirector
- 1995-10-05➕ILLIDGE, Stephen Richard appointedsecretary
- 1995-10-05➖HALLMARK SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 1995-10-05➕ILLIDGE, Stephen Richard appointeddirector
Showing most recent 50 of 55 events
Owner dependency
83/100
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
- +Long-tenure founder: Senior director has been in place 28 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 69 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
75/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- primary20+ year tenure: Director in role 28 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.
Red flags
1 high · 1 med ·Accounts overdue
highStatutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2026-06-12
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Stephen Richard Illidge Individual · English · DOB 06/1953 · age 73 | 50–75% | — | 50-75% shares | 20/07/2016 |
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 →Similar companies
Active · Financial services · S postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A SHADE GREENER FINANCE F3 LIMITED→ 15678758 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A SHADE GREENER FINANCE LIMITED→ 10668465 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ANDY HALL MORTGAGES LTD→ 09479295 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ASSURED EQUITY FINANCE LTD→ 12618494 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AUTOCHX LIMITED→ 03802627 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| BARNSLEY MORTGAGES LTD→ 15791578 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BBB INVESTMENT SERVICES LIMITED→ 15662260 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BIOGREEN TECHNOLOGY & INVESTMENT UK GROUP LTD→ 16520381 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BK M GENERATIONS→ 17085606 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BLACKTHORN ANALYTICS LTD→ 16742514 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BLETCHLEY FINANCIAL LTD→ 13534240 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BLM CHRISTOPHER LEE FINANCIAL SERVICES LIMITED→ 03766400 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
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
Incorporated1995-09-14
Jurisdictionengland-wales
Primary SIC64910 — Financial leasing
Registered office
580 Fulwood Road
Sheffield
S10 3QE
Filing status
Accounts
Next due: 2026-06-12OVERDUE
Last made up to: 2024-03-31
Confirmation statement
Next due: 2026-10-19
Last: 2025-10-05
Officers (3 active · 9 resigned)
ILLIDGE, Annette Christine→
Activedirector · ~69y · appointed 1998-12-21
View their other companies + combined net worth →
ILLIDGE, George→
Activedirector · ~34y · appointed 2021-01-02
View their other companies + combined net worth →
ILLIDGE, James Robert→
Activedirector · ~30y · appointed 2021-01-02
View their other companies + combined net worth →
ILLIDGE, Annette Christine→
Resignedsecretary · appointed 1997-12-10 · resigned 1999-03-10
ILLIDGE, Stephen Richard→
Resignedsecretary · appointed 1995-10-05 · resigned 2024-11-05
HALLMARK SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 1995-09-14 · resigned 1995-10-05
AZIZ, Rustem→
Resigneddirector · ~71y · appointed 1996-05-22 · resigned 1996-09-09
ILLIDGE, Stephen Richard→
Resigneddirector · ~73y · appointed 2002-04-24 · resigned 2024-11-05
ILLIDGE, Stephen Richard→
Resigneddirector · ~73y · appointed 1995-10-05 · resigned 1998-12-23
RAWORTH, Colin→
Resigneddirector · ~84y · appointed 1995-10-05 · resigned 1997-09-12
THOMAS, Allan David→
Resigneddirector · ~81y · appointed 1999-01-21 · resigned 2015-01-05
HALLMARK REGISTRARS LIMITED→
Resignedcorporate-nominee-director · appointed 1995-09-14 · resigned 1995-10-05
Click a director name to see their full track record across all companies.
Mortgages & charges
9
Total charges
0
Outstanding
0
Active lenders
Status:Lender:9 of 9 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | First National Bank First National Bank PLC | Schedule of deposited agreements | 1 property | 10/04/2002 | 13/10/2016 | |
| satisfied | First National Bank First National Bank PLC | Schedule of deposited agreements pursuant to block discounting agreement dated 30/10/00 | 1 property | 14/02/2002 | 13/10/2016 | |
| satisfied | First National Bank First National Bank PLC | Schedule of deposited agreements pursuant to block discounting agreement dated 30 october 2000 | 1 property | 19/11/2001 | 13/10/2016 | |
| satisfied | First National Bank First National Bank PLC | Schedule of deposited agreements pursuant to block discounting agreement dated 30TH october 2000 | 1 property | 13/08/2001 | 13/10/2016 | |
| satisfied | First National Bank First National Bank PLC | Schedule of deposited agreements pursuant to block discounting agreement dated 30TH october 2000 | 1 property | 26/04/2001 | 13/10/2016 | |
| satisfied | First National Bank First National Bank PLC | Schedule of deposited agreements pursuant to block discounting agreement dated 30 october 2000 | 1 property | 06/04/2001 | 13/10/2016 | |
| satisfied | First National Bank First National Bank PLC | Schedule of deposited agreements pursuant to block discounting agreement dated 30TH october 2000 | 1 property | 24/01/2001 | 13/10/2016 | |
| satisfied | First National Bank First National Bank PLC | Schedule of deposited agreements (pursuant to a block discounting agreement dated 30TH october 2000) | 1 property | 13/12/2000 | 13/10/2016 | |
| satisfied | First National Bank First National Bank PLC | Deed of charge | 1 property | 30/10/2000 | 13/10/2016 |
Recent filings (124 total)
change-account-reference-date-company-previous-shortened
accounts · AA01
2026-03-12
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-12-15
termination-director-company-with-name-termination-date
officers · TM01
2025-11-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-05
termination-secretary-company-with-name-termination-date
officers · TM02
2025-11-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-05
appoint-person-director-company-with-name-date
officers · AP01
2021-01-30
appoint-person-director-company-with-name-date
officers · AP01
2021-01-30