BERKLEY SQUARE MORTGAGE CLIENTS LIMITED

🌳Matureactive
03886923 · ltd · incorporated 1999-12-01
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 22.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£11.5k
book net assets
Opportunity
75/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 22.7y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 22.7 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 5 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
92 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
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 £11,487

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£11k
~ YoY
Current Assets
—
Current Liabilities
—
£0£2k£5k£7k£9k£11kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£11.5k£11.5k
Debtors£11.5k£11.5k
Net assets£11.5k£11.5k

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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
  1. 2025-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2020-10-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2019-09-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2018-10-18
    📄
    resolution
    resolution · RESOLUTIONS
  9. 2018-10-18
    ✏️
    change-of-name-notice
    change-of-name · CONNOT
  10. 2018-09-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2017-09-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2017-05-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2016-05-05
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  14. 2016-04-03
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-03-16
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  16. 2015-12-01
    ➕
    RITCHIE, Jason Neil appointed
    director
  17. 2015-12-01
    ➕
    RITCHIE, Joanne Clare appointed
    director
  18. 2015-12-01
    ➖
    O'CONNELL, John Martin resigned
    director
  19. 2015-12-01
    ➖
    O'CONNELL, Susan Elizabeth resigned
    director
  20. 2010-12-01
    ➕
    O'CONNELL, Susan Elizabeth appointed
    director
  21. 2010-06-18
    ➖
    ROBERTS, Peter Anthony resigned
    secretary
  22. 2010-06-18
    ➖
    ROBERTS, Peter Anthony resigned
    director
  23. 2006-04-13
    🔓
    Charge satisfied #1
  24. 2006-02-17
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  25. 2003-09-08
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  26. 1999-12-01
    🏢
    Company incorporated
    As BERKLEY SQUARE MORTGAGE CLIENTS LIMITED
  27. 1999-12-01
    ➕
    ROBERTS, Peter Anthony appointed
    secretary
  28. 1999-12-01
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  29. 1999-12-01
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary
  30. 1999-12-01
    ➕
    O'CONNELL, John Martin appointed
    director
  31. 1999-12-01
    ➕
    ROBERTS, Peter Anthony appointed
    director

Owner dependency

66/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

51/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondaryStable-but-static management: Company is 27 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.)

Group structure

Berkley Square Private Clients Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Berkley Square Private Clients Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
BERKLEY SQUARE MORTGAGE CLIENTS LIMITED
This company · 03886923

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%
NameSharesVoting rightsNature of controlNotified
Berkley Square Private Clients Limited
Corporate entity
75–100%
75–100%75-100% shares · 75-100% voting06/04/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated1999-12-01
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

The Old Post Office
41-43 Market Place
Chippenham
Wiltshire
SN15 3HR
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-15
Last: 2025-12-01

Officers (2 active · 5 resigned)

RITCHIE, Jason Neil→
director · ~54y · appointed 2015-12-01
View their other companies + combined net worth →
Active
RITCHIE, Joanne Clare→
director · ~53y · appointed 2015-12-01
View their other companies + combined net worth →
Active
ROBERTS, Peter Anthony→
secretary · appointed 1999-12-01 · resigned 2010-06-18
Resigned
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 1999-12-01 · resigned 1999-12-01
Resigned
O'CONNELL, John Martin→
director · ~69y · appointed 1999-12-01 · resigned 2015-12-01
Resigned
O'CONNELL, Susan Elizabeth→
director · ~66y · appointed 2010-12-01 · resigned 2015-12-01
Resigned
ROBERTS, Peter Anthony→
director · ~85y · appointed 1999-12-01 · resigned 2010-06-18
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Debenture1 property17/02/2006—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Debenture1 property08/09/200313/04/2006
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (92 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-30
confirmation-statement-with-updates
confirmation-statement · CS01
2020-12-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-12-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-09-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2018-12-03