BRADFORD & BINGLEY LIMITED

⚰️Wound downliquidation

03938288 · ltd · incorporated 2000-02-28

Investment thesis

Company liquidation — not a live target.

Why interesting: Historical record only; useful for precedent research.

Why risky: Not transactable.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

34/100

Pass

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What this business does

Primary activity: Activities of mortgage finance companies

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed low-transparency controlled group — structural issues outweigh the discount.

Opportunity 34/100 (pass), bankability 22/100. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: asset disposal / carve-out (90/100). Current lenders should be on immediate intervention.

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 18.5y

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 18.5 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 58/100 (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

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

48 officers (3 active, 48 linked, 43 with DOB)

Ownership & PSC

1 active PSC(s) of 5 total, 5 with control declared

Director network

17 connected companies via shared directors

Filing history

367 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

34/100Pass

PassWatchWorth a lookStrongExceptional

Clear signal to pass. Time better spent elsewhere unless you have a specific strategic angle.

Business quality

Concerning — overdue filings or status flags present.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Multiple red flags — proceed with caution.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

• 2 insolvency
• 2 resolution

Counts from Companies House filing history.

Corporate timeline (121 events)Click to expand

2025-12-23
⚠️
liquidation-voluntary-declaration-of-solvency
insolvency · LIQ01
2025-12-23
⚠️
liquidation-voluntary-appointment-of-liquidator
insolvency · 600
2025-12-23
📄
resolution
resolution · RESOLUTIONS
2025-12-15
📄
resolution
resolution · RESOLUTIONS
2025-01-29
📄
change-person-director-company-with-change-date
officers · CH01
2024-12-17
📄
accounts-with-accounts-type-group
accounts · AA
2024-10-29
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-10-25
➖
CRAIGIE, Claire Louise resigned
secretary
2024-09-20
➖
MCDONAGH, Brendan Paul resigned
director
2024-09-20
➖
RUSSELL, Brendan John resigned
director
2024-09-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-09-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-09-16
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-12-08
📄
accounts-with-accounts-type-group
accounts · AA
2022-10-13
📄
accounts-with-accounts-type-group
accounts · AA
2022-01-06
📄
change-person-director-company-with-change-date
officers · CH01
2022-01-05
📄
change-person-secretary-company-with-change-date
officers · CH03
2022-01-05
📄
change-person-director-company-with-change-date
officers · CH01
2022-01-05
📄
change-person-director-company-with-change-date
officers · CH01
2022-01-05
📄
change-person-director-company-with-change-date
officers · CH01
2022-01-05
📄
change-person-director-company-with-change-date
officers · CH01
2022-01-05
📄
change-person-director-company-with-change-date
officers · CH01
2022-01-04
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-12-17
📄
resolution
resolution · RESOLUTIONS
2021-11-01
➕
GILMOUR, Matthew appointed
director
2021-11-01
➕
SCOTT, Martin Andrew appointed
director
2021-10-29
➖
HARES, Ian John resigned
director
2021-10-29
➖
LANGLEY, Susan Carol resigned
director
2021-10-29
➖
MORGAN, Keith Charles William resigned
director
2021-10-29
➖
TATTERSALL, John Hartley resigned
director
2021-10-29
➖
VIETEN, Holger Randolph resigned
director
2021-04-01
➕
WOULDHAVE, Mark appointed
director
2021-01-01
➕
CRAIGIE, Claire Louise appointed
secretary
2021-01-01
➖
GORNALL, John resigned
secretary
2020-08-21
🔓
Charge satisfied #3
2020-08-21
🔓
Charge satisfied #1
2020-01-17
🔓
Charge satisfied #2
2018-07-31
➕
VIETEN, Holger Randolph appointed
director
2018-07-03
➖
NORTON, Peter John, Mr. resigned
director
2017-06-27
➖
BUCKLEY, Michael Donal resigned
director
2017-06-27
➕
RUSSELL, Brendan John appointed
director
2017-04-06
➕
NORTON, Peter John, Mr. appointed
director
2017-02-28
➖
LUNN, David Benjamin resigned
director
2016-07-26
➖
PYM, Richard Alan resigned
director
2016-06-05
➖
ATKINSON, Michael Kent resigned
director
2016-06-05
➖
BANKS, Richard Lee resigned
director
2016-04-04
➕
MCDONAGH, Brendan Paul appointed
director
2014-11-20
➖
FOX, Christopher Newton resigned
director
2014-11-20
➕
LUNN, David Benjamin appointed
director
2014-07-08
➕
HARES, Ian John appointed
director

Showing most recent 50 of 121 events

Owner dependency

58/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

+Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

60/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
secondaryStable-but-static management: Company is 26 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

4 high · 1 med ·

Accounts overdue

high

Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.

Evidence: Next due: 2025-12-31

Confirmation statement overdue

high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-04-08

Company in liquidation

high

Company is actively being wound up. Not a going concern.

2 insolvency-related filings on record

high

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

Evidence: 2025-12-23: liquidation-voluntary-declaration-of-solvency; 2025-12-23: liquidation-voluntary-appointment-of-liquidator

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.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr Anthony Alexander Yoseloff Individual · American · DOB 02/1974 · age 52	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	29/10/2021

4 historic (ceased) PSCs

Uk Government Investments Limitedceased 29/10/2021· significant influence
Uk Asset Resolution Limitedceased 29/10/2021· 75-100% shares · 75-100% voting · board control
Her Majesty's Treasuryceased 29/10/2021· board control
Uk Financial Investments Limitedceased 31/03/2018· significant influence

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 · LS postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BOAG DOLMAN FINANCIAL PLANNING LTD→ 16190567 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
BONDINSURE LIMITED→ 15249956 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
BONDSURE LIMITED→ 15250101 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
BOOKKEEPING SIMPLE LTD→ 17102308 · est 2026 · no financials extracted	—	—	—	—	—	—	—
BOUNDARY VENTURES LTD→ 15831159 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
BRITOPIA HOLDINGS LIMITED→ 16345148 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
BROOK-DOBSON BREAR LIMITED→ 05674756 · est 2006 · no financials extracted	—	—	—	—	20y	—	—
BROOKS RAYNER→ 11133852 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
BUSINESS RESCUE BY BIZSAVE LTD→ 16615361 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BUTTERWORTH SPENGLER (CYCLESURE) LIMITED→ 01593973 · est 1981 · no financials extracted	—	—	—	—	44y	—	—
BUTTERWORTH SPENGLER COMMERCIAL LIMITED→ 05058649 · est 2004 · no financials extracted	—	—	—	—	22y	—	—
BUTTERWORTH SPENGLER PROFESSIONAL RISKS LIMITED→ 06808611 · est 2009 · no financials extracted	—	—	—	—	17y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

11 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

Statusliquidation

Typeltd

Incorporated2000-02-28

Jurisdictionengland-wales

Primary SIC64922 — Activities of mortgage finance companies

Registered office

5th Floor Central Square

29 Wellington Street

Leeds

LS1 4DL

England

Filing status

Accounts

Next due: 2025-12-31OVERDUE

Last made up to: 2024-03-31

Confirmation statement

Next due: 2026-04-08OVERDUE

Last: 2025-03-25

Officers (3 active · 45 resigned)

GILMOUR, Matthew→

director · ~53y · appointed 2021-11-01

View their other companies + combined net worth →

Active

SCOTT, Martin Andrew→

director · ~64y · appointed 2021-11-01

View their other companies + combined net worth →

Active

WOULDHAVE, Mark→

director · ~50y · appointed 2021-04-01

View their other companies + combined net worth →

Active

CRAIGIE, Claire Louise→

secretary · appointed 2021-01-01 · resigned 2024-10-25

Resigned

GORNALL, John→

secretary · appointed 2014-06-30 · resigned 2021-01-01

Resigned

HOPKINSON, Paul Martin→

secretary · appointed 2006-04-30 · resigned 2014-06-30

Resigned

MCGUINNESS, Kevin→

secretary · appointed 2000-02-28 · resigned 2002-02-28

Resigned

SHANKLEY, Alan Forbes→

secretary · appointed 2002-02-28 · resigned 2006-04-30

Resigned

ATKINSON, Michael Kent→

director · ~81y · appointed 2010-10-01 · resigned 2016-06-05

Resigned

BANKS, Richard Lee→

director · ~75y · appointed 2009-05-01 · resigned 2016-06-05

Resigned

BUCKLEY, Michael Donal→

director · ~81y · appointed 2007-07-26 · resigned 2017-06-27

Resigned

CHESHIRE, Ian Michael, Sir→

director · ~67y · appointed 2003-08-08 · resigned 2008-11-14

Resigned

COSH, Nicholas John→

director · ~80y · appointed 2000-04-17 · resigned 2008-11-14

Resigned

COURTNEY, Diana Jean→

director · ~87y · appointed 2000-04-17 · resigned 2003-04-30

Resigned

COX, George Edwin, Sir→

director · ~86y · appointed 2000-04-17 · resigned 2007-12-31

Resigned

CRAWSHAW, Steven John→

director · ~65y · appointed 2002-01-02 · resigned 2008-05-31

Resigned

DARBY, Ian Stuart→

director · ~63y · appointed 2003-08-08 · resigned 2004-08-06

Resigned

DAVIES, Robert John→

director · ~78y · appointed 2010-10-01 · resigned 2010-12-31

Resigned

DICKIE, Robert Stewart→

director · ~67y · appointed 2003-08-08 · resigned 2008-04-21

Resigned

FLESHER, Peter→

director · ~91y · appointed 2000-04-17 · resigned 2002-02-28

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:3 of 3 shown

		Type	Properties
satisfied	HSBC Hsbc Bank PLC	Charge over securities	1 property	08/10/2008	21/08/2020
satisfied	Barclays Barclays Bank PLC	Deed of assignment	1 property	20/04/2008	17/01/2020
satisfied	Broomco (4115) Broomco (4115) Limited	Security agreement	1 property	20/11/2007	21/08/2020

Recent filings (367 total)

liquidation-voluntary-declaration-of-solvency

insolvency · LIQ01

2025-12-23

liquidation-voluntary-appointment-of-liquidator

insolvency · 600

2025-12-23

resolution

resolution · RESOLUTIONS

2025-12-23

resolution

resolution · RESOLUTIONS

2025-12-15

confirmation-statement-with-updates

confirmation-statement · CS01

2025-03-25

change-person-director-company-with-change-date

officers · CH01

2025-01-29

accounts-with-accounts-type-group

accounts · AA

2024-12-17

termination-secretary-company-with-name-termination-date

officers · TM02

2024-10-29

termination-director-company-with-name-termination-date

officers · TM01

2024-09-20

termination-director-company-with-name-termination-date

officers · TM01

2024-09-20

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2024-09-16

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-03-26

accounts-with-accounts-type-group

accounts · AA

2023-12-08

confirmation-statement-with-updates

confirmation-statement · CS01

2023-03-27

accounts-with-accounts-type-group

accounts · AA

2022-10-13