BESPOKE WEALTH MANAGEMENT LIMITED
🌳Matureactive
04947838 · ltd · incorporated 2003-10-30
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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 (2 active, 7 linked, 5 with DOB)
84
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
62 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
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 accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-10-31 | 2023-10-31 |
|---|
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 (28 events)Click to expand
- 2025-07-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-06-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-06-25📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-07-14📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-08-04📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-07-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-11-07📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-07-18📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-07-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-11-10📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2017-07-13➕PENFOLD, Keith Robert appointeddirector
- 2017-07-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-07-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2016-07-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2015-12-08📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-07-02📄accounts-with-accounts-type-dormantaccounts · AA
- 2014-10-30➕LOWE, Amelia Jane appointeddirector
- 2014-10-30➖PENFOLD, Declan John resigneddirector
- 2014-07-01➕PENFOLD, Declan John appointeddirector
- 2013-10-31➖LOWE, Amelia Jane resignedsecretary
- 2013-10-31➖LOWE, Amelia Jane resigneddirector
- 2011-05-04➖PENFOLD, Keith Robert resigneddirector
- 2003-10-30🏢Company incorporatedAs BESPOKE WEALTH MANAGEMENT LIMITED
- 2003-10-30➕LOWE, Amelia Jane appointedsecretary
- 2003-10-30➕CHETTLEBURGHS SECRETARIAL LTD appointedcorporate-nominee-secretary
- 2003-10-30➖CHETTLEBURGHS SECRETARIAL LTD resignedcorporate-nominee-secretary
- 2003-10-30➕LOWE, Amelia Jane appointeddirector
- 2003-10-30➕PENFOLD, Keith Robert appointeddirector
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
61/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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
cleanNo 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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Keith Robert Penfold Individual · British · DOB 04/1964 · age 62 | 75–100% | — | 75-100% shares | 01/10/2017 |
Miss Amelia Jane Lowe Individual · British · DOB 02/1967 · age 59 | — | — | sig. influencesignificant influence | 06/04/2016 |
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 · IP postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CAPITALISED FINANCIAL LIMITED→ 13692368 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CELIA MASON WEALTH MANAGEMENT LTD→ 09707061 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CFBUK SECURED FINANCE LTD→ 16462904 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CHANDLER HOUSE FINANCIAL PLANNING LTD→ 06974724 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| CLAYDON MORTGAGE SERVICES LIMITED→ 09237025 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| COMPOSED ABODES LIMITED→ 15863830 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CREASY CONSULTING LIMITED→ 07961363 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| CTF INVESTMENTS LTD→ 15786800 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CTY REAL TIME TRADING LTD→ 14231721 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CURRENCY TRADING MADE EASY LTD→ 13771475 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| D A MANN LIMITED→ 13033980 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| DAMANT WEALTH MANAGEMENT LIMITED→ 09021297 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated2003-10-30
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Suite A 82 James Carter Road
Mildenhall
Bury St. Edmunds
IP28 7DE
England
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-11-02
Last: 2025-10-19
Officers (2 active · 5 resigned)
LOWE, Amelia Jane→
Activedirector · ~59y · appointed 2014-10-30
View their other companies + combined net worth →
PENFOLD, Keith Robert→
Activedirector · ~62y · appointed 2017-07-13
View their other companies + combined net worth →
LOWE, Amelia Jane→
Resignedsecretary · appointed 2003-10-30 · resigned 2013-10-31
CHETTLEBURGHS SECRETARIAL LTD→
Resignedcorporate-nominee-secretary · appointed 2003-10-30 · resigned 2003-10-30
LOWE, Amelia Jane→
Resigneddirector · ~59y · appointed 2003-10-30 · resigned 2013-10-31
PENFOLD, Declan John→
Resigneddirector · ~35y · appointed 2014-07-01 · resigned 2014-10-30
PENFOLD, Keith Robert→
Resigneddirector · ~62y · appointed 2003-10-30 · resigned 2011-05-04
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
2025-10-28
accounts-with-accounts-type-dormant
accounts · AA
2025-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-06-25
accounts-with-accounts-type-dormant
accounts · AA
2024-06-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-19
accounts-with-accounts-type-dormant
accounts · AA
2023-07-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-28
accounts-with-accounts-type-dormant
accounts · AA
2022-08-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-29
accounts-with-accounts-type-dormant
accounts · AA
2021-07-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-31
accounts-with-accounts-type-dormant
accounts · AA
2020-11-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-12-31
accounts-with-accounts-type-dormant
accounts · AA
2019-07-18