BUTTERWORTH SPENGLER COMMERCIAL LIMITED

🌳Matureactive

05058649 · ltd · incorporated 2004-02-27

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.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 16.0y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

74/100

Strong

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What this business does

Primary activity: Life insurance

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 60-year-old founder — textbook succession opportunity.

Opportunity 74/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 60). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

4 live charges · 2 lenders · oldest 16.0y

50/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 16.0 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 28/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (61/100)

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

No iXBRL financials extracted

Lenders & charges

4 charges (4/4 with lender, 4/4 with type)

Directors & officers

24 officers (6 active, 24 linked, 21 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

23 connected companies via shared directors

Filing history

117 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

74/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

• 2 officers
• 1 confirmation-statement

Last 180 days

filings

• 10 officers
• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (71 events)Click to expand

2026-04-21
➕
FORREST, Neil appointed
director
2026-04-21
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-03-31
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-03-26
➕
PERCIVAL, Alan James appointed
director
2026-02-23
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-02-23
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-02-23
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-02-23
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-02-17
➕
MCALPINE, Joanne appointed
director
2026-02-17
➖
BELL, Richard John resigned
director
2026-02-17
➖
JAYCOCK, James resigned
director
2026-02-17
➖
ROBINSON, Mark Leslie resigned
director
2026-01-21
➕
STUTTARD, Matthew appointed
director
2026-01-21
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-01-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-01-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-01-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-01-03
📄
accounts-with-accounts-type-full
accounts · AA
2025-12-31
➖
BANKS, Jeffrey Robert resigned
director
2025-12-31
➖
LACEY, John Carl resigned
director
2025-12-23
➕
ERASMUS, Matthew Robert appointed
director
2025-12-01
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-12-01
🔓
Charge satisfied #3
2025-11-27
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-21
🔒
Charge registered #4
Lender: Ares Management Limited
2025-11-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-11-11
📄
capital-allotment-shares
capital · SH01
2025-10-31
➖
MILLS, Neville Robert resigned
director
2024-12-20
📄
accounts-with-accounts-type-full
accounts · AA
2023-12-05
📄
accounts-with-accounts-type-full
accounts · AA
2023-07-11
📄
change-person-director-company-with-change-date
officers · CH01
2023-01-04
📄
accounts-with-accounts-type-full
accounts · AA
2023-01-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-01-01
➕
MILLS, Neville Robert appointed
director
2022-11-02
📄
capital-allotment-shares
capital · SH01
2022-05-26
➕
WRIGHT, Kathren appointed
director
2022-05-26
➕
BELL, Richard John appointed
director
2022-02-04
🔒
Charge registered #3
Lender: Ares Management Limited
2021-04-30
➖
COFFEY, Philip Clifford resigned
director
2021-03-05
🔓
Charge satisfied #2
2021-03-05
🔓
Charge satisfied #1
2021-03-02
➖
SAUNDERS, Lee Mark resigned
director
2021-03-02
➖
SPENGLER, Gary Nicholas resigned
director
2019-11-05
➕
BANKS, Jeffrey Robert appointed
director
2019-03-08
➖
THOMSON, Andrew resigned
director
2019-03-08
➖
TUNE, Alan Lawrence resigned
director
2016-03-17
➕
JAYCOCK, James appointed
director
2016-03-17
➕
ROBINSON, Mark Leslie appointed
director
2016-03-17
➕
THOMSON, Andrew appointed
director
2016-03-17
➕
TUNE, Alan Lawrence appointed
director

Showing most recent 50 of 71 events

Owner dependency

48/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 60 — approaching natural succession window.

Succession & seller-readiness

40/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.

Red flags

2 med ·

6 director resignations in last 12 months

medium

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

Evidence: BANKS, Jeffrey Robert resigned 2025-12-31; BELL, Richard John resigned 2026-02-17; JAYCOCK, James resigned 2026-02-17

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Butterworth Spengler Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Butterworth Spengler Holdings Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

BUTTERWORTH SPENGLER COMMERCIAL LIMITED

This company · 05058649

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Butterworth Spengler Holdings Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	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 →

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BOOKKEEPING SIMPLE LTD→ 17102308 · est 2026 · no financials extracted	—	—	—	—	—	—	—
BRITOPIA HOLDINGS LIMITED→ 16345148 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
BROOK-DOBSON BREAR LIMITED→ 05674756 · est 2006 · no financials extracted	—	—	—	—	20y	—	—
BROOKS RAYNER→ 11133852 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
BUSINESS RESCUE BY BIZSAVE LTD→ 16615361 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BUTTERWORTH SPENGLER (CYCLESURE) LIMITED→ 01593973 · est 1981 · no financials extracted	—	—	—	—	44y	—	—
C F BELL FINANCIAL CONSULTANT LTD→ 06484010 · est 2008 · no financials extracted	—	—	—	—	18y	—	—
C3 INVEST1 LIMITED→ 15397014 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
CADENCE FINANCIAL PLANNING LIMITED→ 14496215 · est 2022 · no financials extracted	—	—	—	—	3y	—	—

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 →

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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.

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Company details

Statusactive

Typeltd

Incorporated2004-02-27

Jurisdictionengland-wales

Primary SIC65110 — Life insurance

Registered office

Elmwood House Ghyll Royd

Guiseley

Leeds

LS20 9LT

United Kingdom

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-03-13

Last: 2026-02-27