BUILTH WELLS FINANCIAL SERVICES LIMITED

💤Zombieactive
04424479 · ltd · incorporated 2002-04-25
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
£-5.6k
book net assets
Opportunity
73/100
Strong
🔔
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 73/100 (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: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: medium (78/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
8 officers (1 active, 8 linked, 5 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
67 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Negative net assets
Liabilities exceed assets by £5,591

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
-£6k
~ YoY
Current Assets
—
Current Liabilities
—
-£6k-£6k-£6k-£6k-£6k-£6kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-03-312024-03-31
Total assets£-5.6k£-5.6k
Net assets£-5.6k£-5.6k

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
3
filings
  • • 2 officers
  • • 1 confirmation-statement
Last 180 days
3
filings
  • • 2 officers
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2026-04-26
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  2. 2026-04-26
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  3. 2026-04-24
    ➖
    CRIPPS, Stella Anita Mary resigned
    secretary
  4. 2026-04-24
    ➖
    CRIPPS, Stella Anita Mary resigned
    director
  5. 2025-09-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2024-12-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2023-12-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2022-11-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-10-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-04-24
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2018-10-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-12-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2016-12-15
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2016-04-24
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2013-12-17
    ➕
    CRIPPS, Stella Anita Mary appointed
    director
  18. 2010-12-31
    ➖
    CRIPPS, Stella Anita Mary resigned
    director
  19. 2004-10-29
    ➕
    CRIPPS, Stuart Robert appointed
    director
  20. 2004-10-29
    ➕
    CRIPPS, Stella Anita Mary appointed
    secretary
  21. 2004-10-29
    ➖
    JACOBS, Katrina Ann resigned
    secretary
  22. 2004-10-29
    ➕
    CRIPPS, Stella Anita Mary appointed
    director
  23. 2004-10-29
    ➖
    JACOBS, Katrina Ann resigned
    director
  24. 2004-08-05
    ➖
    JACOBS, Alan resigned
    director
  25. 2002-04-25
    🏢
    Company incorporated
    As BUILTH WELLS FINANCIAL SERVICES LIMITED
  26. 2002-04-25
    ➕
    JACOBS, Katrina Ann appointed
    secretary
  27. 2002-04-25
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  28. 2002-04-25
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary
  29. 2002-04-25
    ➕
    JACOBS, Alan appointed
    director
  30. 2002-04-25
    ➕
    JACOBS, Katrina Ann appointed
    director

Owner dependency

85/100
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 22 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

75/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 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

1 med ·
2 director resignations in last 12 months
medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: CRIPPS, Stella Anita Mary resigned 2026-04-24; CRIPPS, Stella Anita Mary resigned 2026-04-24

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Stuart Robert Cripps
Individual · British · DOB 06/1969 · age 57
50–75%
—50-75% shares24/04/2017

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

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
Incorporated2002-04-25
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

10a Broad Street
Builth Wells
Powys
LD2 3DT
Wales

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-05-09
Last: 2026-04-25

Officers (1 active · 7 resigned)

CRIPPS, Stuart Robert→
director · ~57y · appointed 2004-10-29
View their other companies + combined net worth →
Active
CRIPPS, Stella Anita Mary→
secretary · appointed 2004-10-29 · resigned 2026-04-24
Resigned
JACOBS, Katrina Ann→
secretary · appointed 2002-04-25 · resigned 2004-10-29
Resigned
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 2002-04-25 · resigned 2002-04-25
Resigned
CRIPPS, Stella Anita Mary→
director · ~56y · appointed 2013-12-17 · resigned 2026-04-24
Resigned
CRIPPS, Stella Anita Mary→
director · ~56y · appointed 2004-10-29 · resigned 2010-12-31
Resigned
JACOBS, Alan→
director · ~71y · appointed 2002-04-25 · resigned 2004-08-05
Resigned
JACOBS, Katrina Ann→
director · ~67y · appointed 2002-04-25 · resigned 2004-10-29
Resigned

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

Recent filings (67 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-26
termination-director-company-with-name-termination-date
officers · TM01
2026-04-26
termination-secretary-company-with-name-termination-date
officers · TM02
2026-04-26
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-25
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-25
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-15
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-23