BIBBY TRADE SERVICES LIMITED

🌳Matureactive

03530463 · ltd · incorporated 1998-03-13

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

—

not disclosed

Net worth

—

book net assets

Opportunity

75/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

Opportunity 75/100 (strong), bankability 67/100. Strong seller-intent signal (73/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

9 live charges · 6 lenders · oldest 26.0y

35/100

too messy

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

· Oldest live charge is 26.0 years old — likely at or near maturity.
· 6 lenders named — inter-creditor friction likely.
· Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (62/100)

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

Lenders & charges

9 charges (9/9 with lender, 9/9 with type)

Directors & officers

27 officers (5 active, 27 linked, 26 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

24 connected companies via shared directors

Filing history

177 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

75/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (86 events)Click to expand

2025-07-11
📄
accounts-with-accounts-type-small
accounts · AA
2025-04-17
📄
change-person-director-company-with-change-date
officers · CH01
2025-02-21
📄
change-person-director-company-with-change-date
officers · CH01
2024-11-26
📄
legacy
capital · SH20
2024-11-26
📄
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2024-11-26
⚠️
legacy
insolvency · CAP-SS
2024-11-26
📄
resolution
resolution · RESOLUTIONS
2024-07-05
📄
accounts-with-accounts-type-small
accounts · AA
2024-01-10
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-01-10
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-01-10
🔓
Charge satisfied #7
2024-01-10
🔓
Charge satisfied #6
2023-07-04
📄
accounts-with-accounts-type-small
accounts · AA
2023-04-27
📄
change-person-director-company-with-change-date
officers · CH01
2023-04-03
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-03-31
🔒
Charge registered #9
Lender: Santander UK PLC
2023-02-27
📄
mortgage-satisfy-charge-full
mortgage · MR04
2023-02-27
🔓
Charge satisfied #8
2022-08-04
📄
accounts-with-accounts-type-small
accounts · AA
2022-01-13
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-01-11
🔒
Charge registered #8
Lender: Deutsche Bank Ag, London Branch
2021-09-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-09-13
➕
RYAN, Derek Francis appointed
director
2021-09-10
📄
second-filing-of-director-appointment-with-name
officers · RP04AP01
2021-08-18
📄
accounts-with-accounts-type-small
accounts · AA
2021-01-07
➖
WINTERTON, Edward James resigned
director
2020-08-31
➖
POSTINGS, David John resigned
director
2020-05-26
🔒
Charge registered #7
Lender: Aib Group (UK) P.L.C
2019-09-23
➕
CHATHA, Theovinder Singh appointed
director
2019-09-23
➖
ROSE, Stephen George resigned
director
2019-08-22
➖
ROBINSON, Steven Vears, Mr. resigned
director
2018-08-03
➕
RAMSDEN, Ian Stuart appointed
director
2018-08-03
➖
AHMAD, Kashif Syed resigned
director
2018-08-03
➕
POSTINGS, David John appointed
director
2018-08-03
➕
ROBINSON, Steven Vears, Mr. appointed
director
2018-08-03
➕
ROSE, Stephen George appointed
director
2018-08-03
➖
TOBIN, Philip Anthony, Mr. resigned
director
2018-08-03
➕
WINTERTON, Edward James appointed
director
2018-01-01
➕
AHMAD, Kashif Syed appointed
director
2017-10-31
➖
LOMAS, Ian David resigned
director
2016-11-14
➖
LINDSAY, Mark John resigned
director
2016-11-14
➕
TOBIN, Philip Anthony, Mr. appointed
director
2015-05-11
🔓
Charge satisfied #5
2014-06-02
➕
LOMAS, Ian David appointed
director
2014-06-02
➖
WINTERTON, Edward James resigned
director
2014-04-29
🔒
Charge registered #6
Lender: Aib Group (UK) P.L.C.
2014-04-01
➕
LINDSAY, Mark John appointed
director
2013-12-10
➖
DIXON, Andrew Charles resigned
director
2013-12-10
➖
RAWLINSON, Karen Jacqueline resigned
director
2013-12-10
➕
WINTERTON, Edward James appointed
director

Showing most recent 50 of 86 events

Owner dependency

65/100

High — earn-out structure required

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

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 28 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 68 — succession pressure is live.

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 68. 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 28 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 high · 1 med ·

1 insolvency-related filing on record

high

Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.

Evidence: 2024-11-26: legacy

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Bibby Financial Services (Uk) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Bibby Financial Services (Uk) Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

BIBBY TRADE SERVICES LIMITED

This company · 03530463

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
Bibby Financial Services (Uk) Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	06/04/2016

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 →

Similar companies

Active · Financial services · L postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ASSURED COVER LTD→ 11162610 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
BFS MARINE FINANCE (UK) LIMITED→ 14546321 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
BIBBY FACTORS LEICESTER LIMITED→ 02989348 · est 1994 · no financials extracted	—	—	—	—	31y	—	—
BIBBY FACTORS LIMITED→ 00584342 · est 1957 · no financials extracted	—	—	—	—	68y	—	—
BIBBY FACTORS SLOUGH LIMITED→ 02617760 · est 1991 · no financials extracted	—	—	—	—	34y	—	—
BIBBY FACTORS SUSSEX LIMITED→ 03847904 · est 1999 · no financials extracted	—	—	—	—	26y	—	—
BIBBY INVOICE DISCOUNTING LIMITED→ 04105467 · est 2000 · no financials extracted	—	—	—	—	25y	—	—
BIBBY TRADE FACTORS LIMITED→ 05303859 · est 2004 · no financials extracted	—	—	—	—	21y	—	—
BIZ LOANS 4U LIMITED→ 10009648 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
BLACK BUSINESS FOUNDERS CIC→ 16167590 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
BLANEY & BOYD FINANCIAL SERVICES LTD→ 08005486 · est 2012 · no financials extracted	—	—	—	—	14y	—	—
BLYTHE CAPITAL→ 11591010 · est 2018 · no financials extracted	—	—	—	—	7y	—	—

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

Incorporated1998-03-13

Jurisdictionengland-wales

Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

3rd Floor Walker House

Exchange Flags

Liverpool

L2 3YL

United Kingdom

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-05-22

Last: 2026-05-08