HCL BANK HOUSE FINANCIAL SERVICES LIMITED

🌳Matureactive

04120147 · ltd · incorporated 2000-12-06

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 Dec 2025

Net worth

—

book net assets

Opportunity

80/100

Exceptional

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

What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 80/100 (exceptional), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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

Lenders & charges

Confirmed no charges registered

Directors & officers

10 officers (5 active, 10 linked, 7 with DOB)

Ownership & PSC

3 active PSC(s) of 3 total, 3 with control declared

Director network

5 connected companies via shared directors

Filing history

77 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-12-31	2024-12-31
Average employees	12	1100

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (33 events)Click to expand

2026-04-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-30
➕
GARRATT, Hannah Megan Davies appointed
director
2025-04-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-04-30
➖
HIPKISS, David Anthony resigned
director
2023-04-25
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-09
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-13
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-02
📄
resolution
resolution · RESOLUTIONS
2020-07-02
✏️
change-of-name-request-comments
change-of-name · NM06
2020-07-02
✏️
change-of-name-notice
change-of-name · CONNOT
2020-04-30
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2020-02-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2020-01-31
➕
BRUETON, Samuel Robert appointed
director
2019-05-22
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2018-07-18
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2018-01-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2018-01-01
➕
MICHELL, Benedict Peter appointed
director
2008-10-23
➖
CASSIDY, Mark James resigned
director
2005-07-31
➖
HARVEY, Mark David resigned
director
2002-03-13
➕
HARVEY, Mark David appointed
director
2000-12-06
🏢
Company incorporated
As HCL BANK HOUSE FINANCIAL SERVICES LIMITED
2000-12-06
➕
LEA, Antony Edward appointed
secretary
2000-12-06
➕
LEA, Antony Edward appointed
director
2000-12-06
➕
SWIFT INCORPORATIONS LIMITED appointed
corporate-nominee-secretary
2000-12-06
➖
SWIFT INCORPORATIONS LIMITED resigned
corporate-nominee-secretary
2000-12-06
➕
CASSIDY, Mark James appointed
director
2000-12-06
➕
HIPKISS, David Anthony appointed
director
2000-12-06
➕
INSTANT COMPANIES LIMITED appointed
corporate-nominee-director
2000-12-06
➖
INSTANT COMPANIES LIMITED resigned
corporate-nominee-director

Owner dependency

58/100

Moderate — manageable with handover

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

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

70/100

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.
primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
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

3 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Samuel Brueton Individual · British · DOB 05/1995 · age 31	—	—	sig. influencesignificant influence	30/11/2019
Mr Antony Edward Lea Individual · British · DOB 09/1962 · age 64	—	—	sig. influencesignificant influence	06/04/2016
Mr David Anthony Hipkiss Individual · British · DOB 11/1958 · age 68	—	—	sig. influencesignificant influence	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 · ST postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
FGDNMIPF LIMITED→ 13775056 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
FINANCE FOR PROPERTY DEVELOPERS LIMITED→ 09056805 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
FIRMUS WEALTH MANAGEMENT LIMITED→ 11557316 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
FORT80 LTD→ 14687627 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
FOUNTAIN FINANCIAL LIMITED→ 12382557 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
GMG RISK STRATEGIES LIMITED→ 05181604 · est 2004 · no financials extracted	—	—	—	—	21y	—	—
GRN FINANCIAL SERVICES LIMITED→ 11200120 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
HALAMAR LIMITED→ 01549881 · est 1981 · no financials extracted	—	—	—	—	45y	—	—
HANNING 2016 LTD→ 10010053 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
HAYLEY MILLER PROJECTS LTD→ 10612107 · est 2017 · no financials extracted	—	—	—	—	9y	—	—
HCL SECURITIES LIMITED→ 08027883 · est 2012 · no financials extracted	—	—	—	—	14y	—	—
HD FINANCIAL SERVICES LTD→ 11932679 · est 2019 · no financials extracted	—	—	—	—	7y	—	—

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

Incorporated2000-12-06

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

1 Church Road

Brewood

Staffordshire

ST19 9BT

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2026-11-06

Last: 2025-10-23

Officers (5 active · 5 resigned)

LEA, Antony Edward→

secretary · appointed 2000-12-06

View their other companies + combined net worth →

Active

BRUETON, Samuel Robert→

director · ~31y · appointed 2020-01-31

View their other companies + combined net worth →

Active

GARRATT, Hannah Megan Davies→

director · ~29y · appointed 2025-11-30

View their other companies + combined net worth →

Active

LEA, Antony Edward→

director · ~64y · appointed 2000-12-06

View their other companies + combined net worth →

Active

MICHELL, Benedict Peter→

director · ~58y · appointed 2018-01-01

View their other companies + combined net worth →

Active

SWIFT INCORPORATIONS LIMITED→

corporate-nominee-secretary · appointed 2000-12-06 · resigned 2000-12-06

Resigned

CASSIDY, Mark James→

director · ~65y · appointed 2000-12-06 · resigned 2008-10-23

Resigned

HARVEY, Mark David→

director · ~62y · appointed 2002-03-13 · resigned 2005-07-31

Resigned

HIPKISS, David Anthony→

director · ~68y · appointed 2000-12-06 · resigned 2024-04-30

Resigned

INSTANT COMPANIES LIMITED→

corporate-nominee-director · appointed 2000-12-06 · resigned 2000-12-06

Resigned

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

Recent filings (77 total)

accounts-with-accounts-type-total-exemption-full

accounts · AA

2026-04-10

appoint-person-director-company-with-name-date

officers · AP01

2025-12-05

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-10-23

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-04-14

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-11-29

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-06-10

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

officers · TM01

2024-05-03

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-11-27

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-04-25

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-11-28

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-08-09

confirmation-statement-with-no-updates

confirmation-statement · CS01

2021-11-29

accounts-with-accounts-type-total-exemption-full

accounts · AA

2021-07-13

confirmation-statement-with-no-updates

confirmation-statement · CS01

2020-12-14

accounts-with-accounts-type-total-exemption-full

accounts · AA

2020-09-16