BANK HOUSE CONSULTANTS LTD

🌳Matureactive
04644617 · ltd · incorporated 2003-01-22
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
81/100
Exceptional
🔔
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 74-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 74). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (70/100)

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
7 officers (5 active, 7 linked, 4 with DOB)
81
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
2 connected companies via shared directors
51
Filing history
62 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31

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 (25 events)Click to expand
  1. 2025-09-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-11-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-11-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-09-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-12-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-11-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2020-09-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-11-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-11-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-01-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2017-06-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2016-09-14
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-01-29
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-11-04
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-01-30
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2003-01-23
    ➕
    TAYLOR, Steven Louis appointed
    secretary
  17. 2003-01-23
    ➕
    TAYLOR, Steven Louis appointed
    director
  18. 2003-01-23
    ➖
    BRIGHTON SECRETARY LTD resigned
    corporate-nominee-secretary
  19. 2003-01-23
    ➖
    BRIGHTON DIRECTOR LTD resigned
    corporate-nominee-director
  20. 2003-01-22
    🏢
    Company incorporated
    As BANK HOUSE CONSULTANTS LTD
  21. 2003-01-22
    ➕
    BRADLEY, Keith Michael appointed
    director
  22. 2003-01-22
    ➕
    EMMETT, Richard Anthony appointed
    director
  23. 2003-01-22
    ➕
    LUPTON, Richard Mark appointed
    director
  24. 2003-01-22
    ➕
    BRIGHTON SECRETARY LTD appointed
    corporate-nominee-secretary
  25. 2003-01-22
    ➕
    BRIGHTON DIRECTOR LTD appointed
    corporate-nominee-director

Owner dependency

65/100
High — earn-out structure required

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

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 74 — succession pressure is live.

Succession & seller-readiness

90/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 23 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.)
🔒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
Incorporated2003-01-22
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Bank House
Blind Lane
Todmorden
Lancashire
OL14 5HZ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-05
Last: 2025-12-22

Officers (5 active · 2 resigned)

TAYLOR, Steven Louis→
secretary · appointed 2003-01-23
View their other companies + combined net worth →
Active
BRADLEY, Keith Michael→
director · ~62y · appointed 2003-01-22
View their other companies + combined net worth →
Active
EMMETT, Richard Anthony→
director · ~68y · appointed 2003-01-22
View their other companies + combined net worth →
Active
LUPTON, Richard Mark→
director · ~57y · appointed 2003-01-22
View their other companies + combined net worth →
Active
TAYLOR, Steven Louis→
director · ~74y · appointed 2003-01-23
View their other companies + combined net worth →
Active
BRIGHTON SECRETARY LTD→
corporate-nominee-secretary · appointed 2003-01-22 · resigned 2003-01-23
Resigned
BRIGHTON DIRECTOR LTD→
corporate-nominee-director · appointed 2003-01-22 · resigned 2003-01-23
Resigned

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

Recent filings (62 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-06
change-person-director-company-with-change-date
officers · CH01
2021-11-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-12