BSS ACCOUNTANTS LIMITED
Opportunity 70/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. 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: share sale to pe / searcher (58/100).
Refinance opportunity
4 live charges · 3 lenders · oldest 30.7y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 30.7 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Average employees | 1000 | 900 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 signals 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
- • 1 mortgage
- • 1 mortgage
- • 1 confirmation-statement
- • 1 incorporation
Corporate timeline (36 events)Click to expand
- 2026-05-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-07🔒Charge registered #4Lender: Allica Bank Limited
- 2026-03-02📄memorandum-articlesincorporation · MA
- 2026-03-02📄resolutionresolution · RESOLUTIONS
- 2025-11-06✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2025-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-16📄resolutionresolution · RESOLUTIONS
- 2024-07-16📄memorandum-articlesincorporation · MA
- 2023-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-27📄capital-allotment-sharescapital · SH01
- 2019-12-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-31📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2017-11-06🔒Charge registered #3Lender: Barclays Bank PLC
- 2017-10-31➕AFZAL, Taheer appointeddirector
- 2017-10-31➖SAHOTA, Brinderjit resignedsecretary
- 2017-10-31➖SAHOTA, Billjinder Singh resigneddirector
- 2017-10-31➖SAHOTA, Brinderjit Kaur resigneddirector
- 2017-08-31🔓Charge satisfied #2
- 2010-04-03🔓Charge satisfied #1
- 2010-03-18🔒Charge registered #2Lender: Barclays Bank PLC
- 2007-09-30➖TALBOT, Barry John resigneddirector
- 2007-05-15➕TALBOT, Barry John appointeddirector
- 1996-09-26➕SAHOTA, Brinderjit Kaur appointeddirector
- 1995-11-02🔒Charge registered #1Lender: Lloyds Bank PLC
- 1995-09-25🏢Company incorporatedAs BSS ACCOUNTANTS LIMITED
- 1995-09-25➕SAHOTA, Brinderjit appointedsecretary
- 1995-09-25➕SAME-DAY COMPANY SERVICES LIMITED appointedcorporate-nominee-secretary
- 1995-09-25➖SAME-DAY COMPANY SERVICES LIMITED resignedcorporate-nominee-secretary
- 1995-09-25➕SAHOTA, Billjinder Singh appointeddirector
- 1995-09-25➕WILDMAN & BATTELL LIMITED appointedcorporate-nominee-director
- 1995-09-25➖WILDMAN & BATTELL LIMITED resignedcorporate-nominee-director
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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
2 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-11-06: certificate-change-of-name-company
Group structure
Montgomery Taff Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Montgomery Taff Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 31/10/2017 |
1 historic (ceased) PSC
- Starrian Limitedceased 31/10/2017· 75-100% shares · 75-100% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 →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
Registered office
Filing status
Officers (1 active · 6 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Allica Bank Allica Bank Limited | A registered charge | 1 property | 07/05/2026 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 06/11/2017 | — | |
| satisfied | Barclays Barclays Bank PLC | Guarantee & debenture | 1 property | 18/03/2010 | 31/08/2017 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Single debenture | 1 property | 02/11/1995 | 03/04/2010 |