BRIDGEWATER PENSION TRUSTEES LIMITED
🌳Matureactive
03821053 · ltd · incorporated 1999-08-06
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
65/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueActive trading company. Reasonable fundamentals — worth a memo before deciding.
Opportunity 65/100 (strong), bankability 57/100. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 13 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).
🏦
Refinance opportunity
38 live charges · 13 lenders · oldest 22.9y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 22.9 years old — likely at or near maturity.
- · 13 lenders named — inter-creditor friction likely.
- · Legal-friction score 63/100 (high).
Data confidence
Overall: medium (61/100)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
38 charges (38/38 with lender, 38/38 with type)
90
Directors & officers
51 officers (3 active, 51 linked, 39 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
16 connected companies via shared directors
90
Filing history
240 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
65/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
66
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
6
filings
- • 6 officers
Counts from Companies House filing history.
Corporate timeline (171 events)Click to expand
- 2026-03-02📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2026-03-02📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2026-02-04➕WAKEFORD, Helen Mary appointedsecretary
- 2026-02-04➖PETHERICK, Louis resignedsecretary
- 2026-01-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-01-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-19➕WAKEFORD, Helen Mary appointeddirector
- 2026-01-19➖DIXIE, Alice Sian Rhiannon resigneddirector
- 2026-01-12📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2026-01-07📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-12-15➖DIXIE, Alice Sian Rhiannon resignedsecretary
- 2025-12-15➕PETHERICK, Louis appointedsecretary
- 2025-10-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-30➕DIXIE, Alice Sian Rhiannon appointeddirector
- 2025-09-30➖DOCHERTY, Peter Gordon John resigneddirector
- 2025-09-18📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-03-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-02-06📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-02-03📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-02-01➖BRUCE, Michelle resignedsecretary
- 2025-02-01➕DIXIE, Alice Sian Rhiannon appointedsecretary
- 2024-09-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-03-08📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-03-01➕BRUCE, Michelle appointedsecretary
- 2024-03-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-03-01📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-02-29➖MILLARD, Gemma Louise resignedsecretary
- 2024-02-29➖MILLARD, Gemma Louise resigneddirector
- 2024-02-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-02-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-02-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-02-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-02-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-01-31➕ALLAN, Ross Campbell appointeddirector
- 2024-01-31➖KEELY, James resigneddirector
- 2024-01-31➖TUGWELL, Simon Ashley resigneddirector
- 2024-01-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-01-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-12-31➖COWLAND, Dan James resigneddirector
- 2023-12-31➕DOCHERTY, Peter Gordon John appointeddirector
- 2023-12-31➖VINCENT, Jaynie resigneddirector
- 2023-05-02➖COWLAND, Dan James resignedsecretary
- 2023-05-02➕MILLARD, Gemma Louise appointedsecretary
- 2023-05-01➖RIDGLEY, Jane Ann resigneddirector
- 2022-10-06➖SELF, William Arthur resigneddirector
- 2022-09-05➕KEELY, James appointeddirector
- 2022-09-05➕MILLARD, Gemma Louise appointeddirector
- 2022-09-05➕VINCENT, Jaynie appointeddirector
- 2022-07-20➖PRESLEY, Nicola Marie resigneddirector
Showing most recent 50 of 171 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
2 med · 1 low4 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: DIXIE, Alice Sian Rhiannon resigned 2025-12-15; PETHERICK, Louis resigned 2026-02-04; DIXIE, Alice Sian Rhiannon resigned 2026-01-19
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
28 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Curtis Banks Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Curtis Banks Limited
Corporate parent · holds 75-100% shares · board control
⬇
BRIDGEWATER PENSION TRUSTEES LIMITED
This company · 03821053
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 |
|---|---|---|---|---|
Curtis Banks 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 · SP postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 4 PILLARS FINANCIAL PLANNING LTD→ 11609845 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ALLTRUST SERVICES LIMITED→ 05365396 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| ANIMAL FRIENDS INSURANCE SERVICES LIMITED→ 03630812 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| APX HOLDINGS LTD→ 16198257 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AUTOCOM U.K. LIMITED→ 01725016 · est 1983 · no financials extracted | — | — | — | — | 42y | — | — |
| BRENTOR CAPITAL LTD→ 13678899 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BUILD TOMORROW'S HOME TODAY LTD→ 11849504 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| BURGATE CONSULTANCY LIMITED→ 07886898 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CAPITAL ORDER LIMITED→ 12237813 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CAR SIMPLE LIMITED→ 15293880 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CARBON ORDER AR LIMITED→ 11419703 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CARBON ORDER INVESTMENTS NO 1 LIMITED→ 08171876 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
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
Incorporated1999-08-06
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
Suite B & C, First Floor Milford House
43-55 Milford Street
Salisbury
SP1 2BP
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-06
Last: 2025-10-23
Officers (3 active · 48 resigned)
WAKEFORD, Helen Mary→
Activesecretary · appointed 2026-02-04
View their other companies + combined net worth →
ALLAN, Ross Campbell→
Activedirector · ~52y · appointed 2024-01-31
View their other companies + combined net worth →
WAKEFORD, Helen Mary→
Activedirector · ~55y · appointed 2026-01-19
View their other companies + combined net worth →
BRUCE, Michelle→
Resignedsecretary · appointed 2024-03-01 · resigned 2025-02-01
CLEWS, Steven John→
Resignedsecretary · appointed 2011-03-31 · resigned 2014-03-21
CONROY, Jacqueline Anne→
Resignedsecretary · appointed 1999-08-20 · resigned 2003-12-17
COWLAND, Dan James→
Resignedsecretary · appointed 2019-12-03 · resigned 2023-05-02
DIXIE, Alice Sian Rhiannon→
Resignedsecretary · appointed 2025-02-01 · resigned 2025-12-15
FOA, Talia Elizabeth→
Resignedsecretary · appointed 2004-06-18 · resigned 2011-03-31
MILLARD, Gemma Louise→
Resignedsecretary · appointed 2023-05-02 · resigned 2024-02-29
NORRIS, Tracey Margaret→
Resignedsecretary · appointed 2003-12-17 · resigned 2004-06-18
PETHERICK, Louis→
Resignedsecretary · appointed 2025-12-15 · resigned 2026-02-04
SWIFT INCORPORATIONS LIMITED→
Resignedcorporate-nominee-secretary · appointed 1999-08-06 · resigned 1999-08-20
AMPHLETT, Philip Nicholas→
Resigneddirector · ~78y · appointed 1999-08-20 · resigned 2011-03-31
BARRETT, Howard Clark→
Resigneddirector · ~74y · appointed 2011-03-31 · resigned 2011-07-18
BEAVER, Melanie Jane→
Resigneddirector · ~56y · appointed 2011-03-31 · resigned 2015-11-13
BECK, David Michael St Hill→
Resigneddirector · ~60y · appointed 2002-02-21 · resigned 2010-10-26
BELL, Ian James→
Resigneddirector · ~61y · appointed 2013-04-05 · resigned 2014-08-14
CHAPMAN, Kenneth John→
Resigneddirector · ~64y · appointed 2000-11-28 · resigned 2001-06-29
CLEWS, Steven John→
Resigneddirector · ~64y · appointed 2011-03-31 · resigned 2014-03-21
Click a director name to see their full track record across all companies.
Mortgages & charges
38
Total charges
28
Outstanding
9
Active lenders
Status:Lender:38 of 38 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | 1 property | 05/04/2019 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 10/12/2014 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 10/12/2014 | — | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 11/07/2012 | — | |
| satisfied | Santander Santander UK PLC | Assignment of rental income | 1 property | 12/08/2011 | 09/10/2018 | |
| satisfied | Santander Santander UK PLC | Legal charge | 2 properties | 12/08/2011 | 09/10/2018 | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed to secure third party liabilities | 1 property | 04/01/2011 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed to secure third party liabilities | 1 property | 04/01/2011 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed to secure third party liabilities | 1 property | 04/01/2011 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 28/05/2010 | — | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 25/06/2009 | 01/10/2014 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 25/06/2009 | 01/10/2014 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 25/06/2009 | 01/10/2014 | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 16/04/2009 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 21/06/2008 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Third party legal charge | 1 property | 19/02/2008 | 30/07/2013 | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 30/11/2007 | — | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 2 properties | 19/11/2007 | 01/10/2014 | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 21/06/2007 | — | |
| outstanding | The Governor and Company of the Bank of Ireland | Deed of rental assignment | 2 properties | 05/04/2007 | — | |
| outstanding | The Governor and Company of the Bank of Ireland | Deed of rental assignment | 2 properties | 05/04/2007 | — | |
| outstanding | The Governor and Company of the Bank of Ireland | Commercial mortgage | 1 property | 05/04/2007 | — | |
| outstanding | The Governor and Company of the Bank of Ireland | Commercial mortgage | 1 property | 05/04/2007 | — | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 02/02/2007 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Third party legal charge | 1 property | 08/09/2006 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Third party legal charge | 1 property | 31/08/2006 | — | |
| outstanding | Efg Private Bank Efg Private Bank Limited | Legal charge | 1 property | 13/07/2006 | — | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 04/04/2006 | 01/10/2014 | |
| outstanding | Tipton & Coseley Building Society | Mortgage | 1 property | 01/03/2006 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Yorkshire Bank) | Legal mortgage | 1 property | 15/02/2006 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Yorkshire Bank) | Legal charge | 1 property | 13/07/2005 | — | |
| outstanding | Nationwide Nationwide Building Society | Legal charge | 2 properties | 27/02/2004 | — | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 24/11/2003 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Third party legal charge | 1 property | 11/09/2003 | — | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 19/08/2003 | — | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 19/08/2003 | — | |
| satisfied | Bristol & West Bristol & West PLC | Commercial mortgage | 1 property | 26/06/2003 | 09/01/2008 | |
| satisfied | Bristol & West Bristol & West PLC | Deed of rental assignment | 1 property | 26/06/2003 | 09/01/2008 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (240 total)
appoint-person-secretary-company-with-name-date
officers · AP03
2026-03-02
termination-secretary-company-with-name-termination-date
officers · TM02
2026-03-02
appoint-person-director-company-with-name-date
officers · AP01
2026-01-27
termination-director-company-with-name-termination-date
officers · TM01
2026-01-23
appoint-person-secretary-company-with-name-date
officers · AP03
2026-01-12
termination-secretary-company-with-name-termination-date
officers · TM02
2026-01-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-03
appoint-person-director-company-with-name-date
officers · AP01
2025-10-08
termination-director-company-with-name-termination-date
officers · TM01
2025-10-08
accounts-with-accounts-type-dormant
accounts · AA
2025-09-18
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-11
appoint-person-secretary-company-with-name-date
officers · AP03
2025-02-06
termination-secretary-company-with-name-termination-date
officers · TM02
2025-02-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-23
accounts-with-accounts-type-dormant
accounts · AA
2024-09-27