BECKETTS F S LTD

📉Decliningactive
05122604 · ltd · incorporated 2004-05-07
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
drifting distress · 6-months
Drifting toward distress — expect more negotiability in 3–6 months, but also more friction.
  • · Lifecycle stage drifting downward
  • · Currently "declining"
🔒Estimated value
—
Upgrade to see
Turnover
£2.09M
year to Sept 2025
Net worth
—
book net assets
Opportunity
82/100
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: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 73-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 73). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (88/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 13.1y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 13.1 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
8 officers (4 active, 8 linked, 5 with DOB)
83
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
80 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
82/100Exceptional
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
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Profitable
Profit before tax £307,585
Strong revenue growth
Turnover up 34% YoY
Turnover YoY
+34%
Year on year

Key financials

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

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30
Turnover£2.09M£1.56M
Gross profit£1.92M£1.40M
Profit before tax£307.6k£401.8k
Average employees19002200

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
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
  1. 2026-04-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-05-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-05-06
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  4. 2025-05-06
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  5. 2024-06-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-04-17
    📄
    capital-name-of-class-of-shares
    capital · SH08
  7. 2023-04-17
    📄
    resolution
    resolution · RESOLUTIONS
  8. 2023-01-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-04-13
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2021-05-19
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  11. 2021-05-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2021-05-12
    ➕
    THOMPSON, James Edward appointed
    director
  13. 2021-04-15
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  14. 2020-11-30
    📄
    capital-allotment-shares
    capital · SH01
  15. 2020-10-28
    📄
    resolution
    resolution · RESOLUTIONS
  16. 2020-09-29
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  17. 2020-08-24
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2020-08-24
    🔒
    Charge registered #2
    Lender: Lloyds Bank PLC
  19. 2020-03-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  20. 2019-08-01
    📄
    accounts-amended-with-made-up-date
    accounts · AAMD
  21. 2013-05-16
    🔒
    Charge registered #1
    Lender: Lloyds Tsb Bank PLC
  22. 2009-07-07
    ➕
    MCLOUGHNEY, Dominic Patrick appointed
    director
  23. 2009-07-07
    ➖
    DALEY, Paul resigned
    director
  24. 2007-04-04
    ➕
    DALEY, Paul appointed
    director
  25. 2007-02-22
    ➖
    HOSKISSON, Charles Anthony resigned
    director
  26. 2004-05-11
    ➖
    FORM 10 SECRETARIES FD LTD resigned
    corporate-nominee-secretary
  27. 2004-05-11
    ➖
    FORM 10 DIRECTORS FD LTD resigned
    corporate-nominee-director
  28. 2004-05-07
    🏢
    Company incorporated
    As BECKETTS F S LTD
  29. 2004-05-07
    ➕
    MCLOUGHNEY, Lorraine Theresa appointed
    secretary
  30. 2004-05-07
    ➕
    MCLOUGHNEY, Lorraine Theresa appointed
    director
  31. 2004-05-07
    ➕
    FORM 10 SECRETARIES FD LTD appointed
    corporate-nominee-secretary
  32. 2004-05-07
    ➕
    HOSKISSON, Charles Anthony appointed
    director
  33. 2004-05-07
    ➕
    FORM 10 DIRECTORS FD LTD appointed
    corporate-nominee-director

Owner dependency

83/100
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
  • +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 73 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

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 73 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 22 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.)

Group structure

Becketts Financial Group Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Becketts Financial Group Ltd
Corporate parent · holds 75-100% shares
ultimate parent
⬇
BECKETTS F S LTD
This company · 05122604

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%
NameSharesVoting rightsNature of controlNotified
Becketts Financial Group Ltd
Corporate entity
75–100%
75–100%75-100% shares · 75-100% voting06/05/2025
2 historic (ceased) PSCs
  • Mr Dominic Patrick Mcloughneyceased 06/05/2025· 25-50% shares
  • Mrs Lorraine Theresa Mcloughneyceased 10/05/2021· 25-50% shares

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 · FY postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
A & N FINANCIAL MANAGEMENT LIMITED→
10849117 · est 2017 · no financials extracted
————8y——
ALFA INVESTIMENTOS LTD→
17128485 · est 2026 · no financials extracted
———————
ALLIUM MONEY LIMITED→
10977963 · est 2017 · no financials extracted
————8y——
AVACOBS SERVICES LIMITED→
11176577 · est 2018 · no financials extracted
————8y——
BECKETTS FINANCIAL GROUP LTD→
12546916 · est 2020 · no financials extracted
————6y——
BECODA LIMITED→
10171322 · est 2016 · no financials extracted
————9y——
BEM FAMILY LIMITED→
16672350 · est 2025 · no financials extracted
———————
BERRY FINANCIAL PLANNING LIMITED→
07047988 · est 2009 · no financials extracted
————16y——
BETTER MORTGAGES AND PROTECTION LTD→
15992912 · est 2024 · no financials extracted
————1y——
BIZFLOW LIMITED→
16948555 · est 2026 · no financials extracted
———————
BJD.GLOBAL LIMITED→
13724833 · est 2021 · no financials extracted
————4y——
BJJ MORTGAGES LIMITED→
06246675 · est 2007 · no financials extracted
————18y——
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
Incorporated2004-05-07
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Beckett House
Wyrefields
Poulton Le Fylde
Lancashire
FY6 8JX

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-05-21
Last: 2026-05-07

Officers (4 active · 4 resigned)

MCLOUGHNEY, Lorraine Theresa→
secretary · appointed 2004-05-07
View their other companies + combined net worth →
Active
MCLOUGHNEY, Dominic Patrick→
director · ~43y · appointed 2009-07-07
View their other companies + combined net worth →
Active
MCLOUGHNEY, Lorraine Theresa→
director · ~73y · appointed 2004-05-07
View their other companies + combined net worth →
Active
THOMPSON, James Edward→
director · ~46y · appointed 2021-05-12
View their other companies + combined net worth →
Active
FORM 10 SECRETARIES FD LTD→
corporate-nominee-secretary · appointed 2004-05-07 · resigned 2004-05-11
Resigned
DALEY, Paul→
director · ~57y · appointed 2007-04-04 · resigned 2009-07-07
Resigned
HOSKISSON, Charles Anthony→
director · ~62y · appointed 2004-05-07 · resigned 2007-02-22
Resigned
FORM 10 DIRECTORS FD LTD→
corporate-nominee-director · appointed 2004-05-07 · resigned 2004-05-11
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Lloyds Banking Group
Lloyds Bank PLC
A registered charge1 property24/08/2020—
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
A registered charge1 property16/05/2013—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (80 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-11
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-05-06
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-05-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-11
capital-name-of-class-of-shares
capital · SH08
2023-04-17
resolution
resolution · RESOLUTIONS
2023-04-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-04-13
confirmation-statement-with-updates
confirmation-statement · CS01
2021-05-19