BLUECREST (UK) LIMITED

🌳Matureactive
03483213 · ltd · incorporated 1997-12-18
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 Mar 2025
Net worth
£2.43M
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Wholesale of other machinery and equipment
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 57/100. Strong seller-intent signal (63/100, director aged 67). 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 (65/100).

🏦

Refinance opportunity

4 live charges · 3 lenders · oldest 18.1y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 18.1 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 4 with DOB)
81
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
83 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
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 £2,430,131
Cash YoY
+2%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£640k
↑ 1.7% YoY
Net Worth
£2.4m
↑ 7.7% YoY
Current Assets
£4.7m
↑ 23% YoY
Current Liabilities
—
£0£944k£1.9m£2.8m£3.8m£4.7mMar 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
Total assets£2.44M£2.26M
Current assets£4.72M£3.83M
Cash£639.7k£628.9k
Debtors£2.29M£1.95M
Net assets£2.43M£2.26M

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
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
  1. 2026-03-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-01-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2024-03-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-02-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-12-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-11-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2021-11-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2021-11-09
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2021-11-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2021-03-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-01-20
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2021-01-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2021-01-06
    ➕
    PHOTIOU, Andreas appointed
    director
  15. 2021-01-06
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  16. 2021-01-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2019-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2019-02-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2017-06-30
    🔒
    Charge registered #4
    Lender: Bank of Cyprus (UK) Limited
  20. 2017-06-26
    🔒
    Charge registered #3
    Lender: Bank of Cyprus UK
  21. 2014-07-18
    ➕
    PHOTIOU, Tassoulla appointed
    director
  22. 2014-07-18
    ➖
    ANGELIS, Soteris resigned
    director
  23. 2014-07-18
    🔒
    Charge registered #2
    Lender: Bank of Cyprus UK Limited
  24. 2014-02-18
    ➖
    ANGELIS, Soteris resigned
    secretary
  25. 2008-06-12
    🔒
    Charge registered #1
    Lender: Bank of Cyprus UK
  26. 1998-02-21
    ➕
    PHOTIOU, Yiannakis Andreou appointed
    director
  27. 1998-02-21
    ➕
    ANGELIS, Soteris appointed
    secretary
  28. 1998-02-21
    ➖
    READYMADE SECRETARIES LTD resigned
    corporate-nominee-secretary
  29. 1998-02-21
    ➕
    ANGELIS, Soteris appointed
    director
  30. 1998-02-21
    ➖
    READYMADE NOMINEES LTD. resigned
    corporate-nominee-director
  31. 1997-12-18
    🏢
    Company incorporated
    As BLUECREST (UK) LIMITED
  32. 1997-12-18
    ➕
    READYMADE SECRETARIES LTD appointed
    corporate-nominee-secretary
  33. 1997-12-18
    ➕
    READYMADE NOMINEES LTD. appointed
    corporate-nominee-director

Owner dependency

83/100
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
  • +Long-tenure founder: Senior director has been in place 28 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. 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 29 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Andreas Photiou
Individual · British · DOB 01/1983 · age 43
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/01/2021
Mr Yiannakis Andreou Photiou
Individual · Cypriot · DOB 12/1959 · age 67
25–50%
—25-50% shares01/11/2016

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

8 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
Incorporated1997-12-18
Jurisdictionengland-wales
Primary SIC46690 — Wholesale of other machinery and equipment

Registered office

C/O React Business Services Southbridge House
Southbridge Place
Croydon
CR0 4HA
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-20
Last: 2026-01-06

Officers (3 active · 4 resigned)

PHOTIOU, Andreas→
director · ~43y · appointed 2021-01-06
View their other companies + combined net worth →
Active
PHOTIOU, Tassoulla→
director · ~64y · appointed 2014-07-18
View their other companies + combined net worth →
Active
PHOTIOU, Yiannakis Andreou→
director · ~67y · appointed 1998-02-21
View their other companies + combined net worth →
Active
ANGELIS, Soteris→
secretary · appointed 1998-02-21 · resigned 2014-02-18
Resigned
READYMADE SECRETARIES LTD→
corporate-nominee-secretary · appointed 1997-12-18 · resigned 1998-02-21
Resigned
ANGELIS, Soteris→
director · ~69y · appointed 1998-02-21 · resigned 2014-07-18
Resigned
READYMADE NOMINEES LTD.→
corporate-nominee-director · appointed 1997-12-18 · resigned 1998-02-21
Resigned

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

Mortgages & charges

4
Total charges
4
Outstanding
2
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Bank of Cyprus (UK)
Bank of Cyprus (UK) Limited
A registered charge1 property30/06/2017—
outstanding
Bank of Cyprus UK
A registered charge1 property26/06/2017—
outstanding
Bank of Cyprus UK
Bank of Cyprus UK Limited
A registered charge—18/07/2014—
outstanding
Bank of Cyprus UK
Legal charge1 property12/06/2008—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (83 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-18
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-01-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-30
change-person-director-company-with-change-date
officers · CH01
2021-11-09
change-person-director-company-with-change-date
officers · CH01
2021-11-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-11-09
change-person-director-company-with-change-date
officers · CH01
2021-11-09