BARHAMS FINANCIAL SERVICES LIMITED

💤Zombieactive
04166030 · ltd · incorporated 2001-02-22
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£100
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 64999Financial intermediation not elsewhere classified
Investor take
Pursue
Asset-holding vehicle with a 67-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (68/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
74 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £100

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
£100
Current Assets
£37k
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-31
Total assets£100
Current assets£37.1k
Debtors£9.1k
Net assets£100

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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 (24 events)Click to expand
  1. 2025-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-03-31
    ➖
    HARRIS, Ray resigned
    director
  3. 2025-03-31
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  4. 2025-03-31
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  5. 2024-08-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2024-04-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2023-07-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-09-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-07-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2022-07-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2021-07-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-07-14
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  13. 2021-07-14
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  14. 2021-07-13
    📄
    withdrawal-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC09
  15. 2020-08-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2019-10-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2001-02-22
    🏢
    Company incorporated
    As BARHAMS FINANCIAL SERVICES LIMITED
  18. 2001-02-22
    ➕
    STOKES, David appointed
    secretary
  19. 2001-02-22
    ➕
    STOKES, David appointed
    director
  20. 2001-02-22
    ➕
    QA REGISTRARS LIMITED appointed
    corporate-nominee-secretary
  21. 2001-02-22
    ➖
    QA REGISTRARS LIMITED resigned
    corporate-nominee-secretary
  22. 2001-02-22
    ➕
    HARRIS, Ray appointed
    director
  23. 2001-02-22
    ➕
    QA NOMINEES LIMITED appointed
    corporate-nominee-director
  24. 2001-02-22
    ➖
    QA NOMINEES LIMITED resigned
    corporate-nominee-director

Owner dependency

100/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

95/100
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 67. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 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.)

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr David Stokes
Individual · British · DOB 01/1959 · age 67
25–50%
25–50%25-50% shares · 25-50% voting13/07/2021
1 historic (ceased) PSC
  • Mr Ray Harrisceased 31/03/2025· 25-50% shares · 25-50% voting

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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ATALINE ADVISERS LIMITED→
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————2y——
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————53y——
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05828402 · est 2006 · no financials extracted
————19y——
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07025025 · est 2009 · no financials extracted
————16y——
BROOKS,BRAITHWAITE & CO.LIMITED→
00852888 · est 1965 · no financials extracted
————60y——
BUSINESS FUNDING PORTAL LIMITED→
06471974 · est 2008 · no financials extracted
————18y——
CALLIPER INVESTMENTS LTD→
15498581 · est 2024 · no financials extracted
————2y——
CASH & CHEQUE EXPRESS LIMITED→
08118444 · est 2012 · no financials extracted
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CG FINANCE LTD→
16819163 · est 2025 · no financials extracted
———————
CHAGCREST INVESTMENTS LIMITED→
11346854 · est 2018 · no financials extracted
————7y——
CHALFONT FINANCIAL PLANNING LIMITED→
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————5y——
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
Incorporated2001-02-22
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

50 Cedar Avenue
Hazlemere
High Wycombe
Bucks
HP15 7EE

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-14
Last: 2026-03-31

Officers (2 active · 3 resigned)

STOKES, David→
secretary · appointed 2001-02-22
View their other companies + combined net worth →
Active
STOKES, David→
director · ~67y · appointed 2001-02-22
View their other companies + combined net worth →
Active
QA REGISTRARS LIMITED→
corporate-nominee-secretary · appointed 2001-02-22 · resigned 2001-02-22
Resigned
HARRIS, Ray→
director · ~68y · appointed 2001-02-22 · resigned 2025-03-31
Resigned
QA NOMINEES LIMITED→
corporate-nominee-director · appointed 2001-02-22 · resigned 2001-02-22
Resigned

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

Recent filings (74 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-30
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-31
termination-director-company-with-name-termination-date
officers · TM01
2025-03-31
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-16
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-14
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-07-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-07-27