BOWLAND TRADING LTD

🌳Matureactive
04943735 · ltd · incorporated 2003-10-27
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 Mar 2025
Net worth
£208.1k
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: SIC 46620
Sector: Wholesale & retail
Investor take
Pursue
Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (60/100, director aged 59). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -70% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 22.5y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 22.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
8 officers (5 active, 8 linked, 5 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
78 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £208,101
Net assets shrinking
Down £130,499 YoY
Cash draining
Cash down 70% YoY
Cash YoY
-70%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£133k
↓ 70% YoY
Net Worth
£208k
↓ 39% YoY
Current Assets
£476k
↓ 38% YoY
Current Liabilities
—
£0£153k£307k£460k£613k£766kMar 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
Total assets£217.3k£380.9k
Current assets£476.2k£766.5k
Cash£132.8k£444.5k
Debtors£27.4k£70.4k
Net assets£208.1k£338.6k

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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
  1. 2025-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-11-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-12-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-09-22
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2022-09-22
    🔓
    Charge satisfied #1
  7. 2022-09-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2022-09-21
    🔓
    Charge satisfied #2
  9. 2022-09-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2021-12-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-12-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-10-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2018-11-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-08-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2017-07-31
    🔒
    Charge registered #2
    Lender: National Westminster Bank PLC
  17. 2016-12-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2015-12-21
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  19. 2011-03-30
    ➕
    MONAGHAN, Daniel appointed
    director
  20. 2011-03-30
    ➕
    MONAGHAN, Kate Veronica appointed
    director
  21. 2007-02-01
    ➖
    PEACOCK, Simon Gerard resigned
    director
  22. 2005-11-03
    ➕
    PEACOCK, Simon Gerard appointed
    director
  23. 2004-01-30
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  24. 2003-11-04
    ➕
    O GORMAN, Victoria Frances appointed
    secretary
  25. 2003-11-04
    ➕
    O GORMAN, Martin appointed
    director
  26. 2003-11-04
    ➕
    O GORMAN, Victoria Frances appointed
    director
  27. 2003-10-31
    ➖
    BRIGHTON SECRETARY LTD resigned
    corporate-nominee-secretary
  28. 2003-10-31
    ➖
    BRIGHTON DIRECTOR LTD resigned
    corporate-nominee-director
  29. 2003-10-27
    🏢
    Company incorporated
    As BOWLAND TRADING LTD
  30. 2003-10-27
    ➕
    BRIGHTON SECRETARY LTD appointed
    corporate-nominee-secretary
  31. 2003-10-27
    ➕
    BRIGHTON DIRECTOR LTD appointed
    corporate-nominee-director

Owner dependency

66/100
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.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

70/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Daniel Monaghan
Individual · British · DOB 01/1974 · age 52
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
Mr Martin O'Gorman
Individual · British · DOB 02/1971 · age 55
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016

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

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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
Incorporated2003-10-27
Jurisdictionengland-wales
Primary SIC46620 — SIC 46620

Registered office

Bowland Trading Ltd New Century Works
Higher London Terrace
Darwen
BB3 3DF
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-08
Last: 2025-11-24

Officers (5 active · 3 resigned)

O GORMAN, Victoria Frances→
secretary · appointed 2003-11-04
View their other companies + combined net worth →
Active
MONAGHAN, Daniel→
director · ~52y · appointed 2011-03-30
View their other companies + combined net worth →
Active
MONAGHAN, Kate Veronica→
director · ~52y · appointed 2011-03-30
View their other companies + combined net worth →
Active
O GORMAN, Martin→
director · ~55y · appointed 2003-11-04
View their other companies + combined net worth →
Active
O GORMAN, Victoria Frances→
director · ~59y · appointed 2003-11-04
View their other companies + combined net worth →
Active
BRIGHTON SECRETARY LTD→
corporate-nominee-secretary · appointed 2003-10-27 · resigned 2003-10-31
Resigned
PEACOCK, Simon Gerard→
director · ~57y · appointed 2005-11-03 · resigned 2007-02-01
Resigned
BRIGHTON DIRECTOR LTD→
corporate-nominee-director · appointed 2003-10-27 · resigned 2003-10-31
Resigned

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

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
National Westminster Bank
National Westminster Bank PLC
A registered charge—31/07/201721/09/2022
satisfied
National Westminster Bank
National Westminster Bank PLC
Debenture1 property30/01/200422/09/2022

Recent filings (78 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-25
mortgage-satisfy-charge-full
mortgage · MR04
2022-09-22
mortgage-satisfy-charge-full
mortgage · MR04
2022-09-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-09-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-11