BCP FINANCIAL SERVICES LTD

💤Zombieactive
04934715 · ltd · incorporated 2003-10-16
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 Oct 2024
Net worth
—
book net assets
Opportunity
80/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 71-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 71). 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 (77/100)

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
4 officers (2 active, 4 linked, 1 with DOB)
75
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
54 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Oct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-10-312023-10-31
Average employees100100

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2025-07-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-07-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-07-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-08-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-07-22
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2022-07-22
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2021-07-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-08-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-07-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-07-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2017-10-06
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  12. 2017-10-05
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2017-10-03
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  14. 2016-05-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-12-21
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2004-10-04
    ➕
    PATEL, Nishit appointed
    secretary
  17. 2003-10-21
    ➖
    FORM 10 SECRETARIES FD LTD resigned
    corporate-nominee-secretary
  18. 2003-10-21
    ➖
    FORM 10 DIRECTORS FD LTD resigned
    corporate-nominee-director
  19. 2003-10-18
    ➕
    PATEL, Bipinchandra appointed
    director
  20. 2003-10-16
    🏢
    Company incorporated
    As BCP FINANCIAL SERVICES LTD
  21. 2003-10-16
    ➕
    FORM 10 SECRETARIES FD LTD appointed
    corporate-nominee-secretary
  22. 2003-10-16
    ➕
    FORM 10 DIRECTORS FD LTD appointed
    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 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 71 — succession pressure is live.

Succession & seller-readiness

100/100
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 71 years old. Natural succession window is now.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • 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.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Bipinchandra Patel
Individual · British · DOB 01/1955 · age 71
75–100%
—75-100% shares16/10/2016

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 · RH postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
ANTHRACITES PROPERTIES LIMITED→
15404045 · est 2024 · no financials extracted
————2y——
APEX-INS CONSULTANTS LIMITED→
16051146 · est 2024 · no financials extracted
————1y——
ASSEMBLY PAYMENTS UK LTD→
12948924 · est 2020 · no financials extracted
————5y——
ASSET FINANCING LIMITED→
02663836 · est 1991 · no financials extracted
————34y——
ASSET LOANS & LEASING FINANCE LTD→
16818502 · est 2025 · no financials extracted
———————
B FINANCIAL LIMITED→
11073299 · est 2017 · no financials extracted
————8y——
BAKER'S STORES,LIMITED→
00231844 · est 1928 · no financials extracted
————97y——
BARNETT-BROTHERS LTD→
13086553 · est 2020 · no financials extracted
————5y——
BEB CAPITAL LIMITED→
13414607 · est 2021 · no financials extracted
————4y——
BEER 18 LTD→
14908472 · est 2023 · no financials extracted
————2y——
BESPOKE FINANCIAL SERVICES LTD→
14081357 · est 2022 · no financials extracted
————3y——
BESPOKE MONEY LIMITED→
10507268 · est 2016 · no financials extracted
————9y——
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
Incorporated2003-10-16
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

28 Pagewood Close
Maidenbower
Crawley
RH10 7ZL

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-10-30
Last: 2025-10-16

Officers (2 active · 2 resigned)

PATEL, Nishit→
secretary · appointed 2004-10-04
View their other companies + combined net worth →
Active
PATEL, Bipinchandra→
director · ~71y · appointed 2003-10-18
View their other companies + combined net worth →
Active
FORM 10 SECRETARIES FD LTD→
corporate-nominee-secretary · appointed 2003-10-16 · resigned 2003-10-21
Resigned
FORM 10 DIRECTORS FD LTD→
corporate-nominee-director · appointed 2003-10-16 · resigned 2003-10-21
Resigned

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

Recent filings (54 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-20
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-18
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-10
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-07-22
change-person-director-company-with-change-date
officers · CH01
2022-07-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-02
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-21
accounts-with-accounts-type-micro-entity
accounts · AA
2020-08-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-17