BISHOPSGATE ADVANCES LIMITED
💤Zombieactive
05221340 · ltd · incorporated 2004-09-03
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 Aug 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueActive trading company with a 76-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (83/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (53/100).
🏦
Refinance opportunity
34 live charges · 6 lenders · oldest 21.5y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 21.5 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (79/100)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
34 charges (34/34 with lender, 34/34 with type)
90
Directors & officers
5 officers (1 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 5 total, 5 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
133 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
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
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 | 2025-08-28 | 2024-08-28 |
|---|---|---|
| Average employees | 0 | 0 |
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
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
5
filings
- • 3 persons-with-significant-control
- • 1 accounts
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (93 events)Click to expand
- 2026-06-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-03-17📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-02-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-10-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-07📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-10-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-09-27📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-09-27📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-09-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-05-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-04-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-05-31➖RUANE, Patrick Joseph resignedsecretary
- 2018-05-20➖RUANE, Patrick Joseph resigneddirector
- 2011-02-05🔓Charge satisfied #36
- 2011-01-26🔓Charge satisfied #32
- 2010-07-03🔓Charge satisfied #34
- 2010-07-03🔓Charge satisfied #31
- 2010-07-03🔓Charge satisfied #30
- 2010-07-03🔓Charge satisfied #29
- 2010-07-03🔓Charge satisfied #28
- 2010-07-03🔓Charge satisfied #26
- 2010-07-03🔓Charge satisfied #23
- 2010-07-03🔓Charge satisfied #24
- 2010-07-03🔓Charge satisfied #22
- 2010-07-03🔓Charge satisfied #21
- 2010-07-03🔓Charge satisfied #14
- 2008-06-05🔒Charge registered #36Lender: Clydesdale Bank PLC
- 2008-03-18🔓Charge satisfied #35
- 2008-03-18🔓Charge satisfied #33
- 2008-03-18🔓Charge satisfied #27
- 2008-03-18🔓Charge satisfied #25
- 2008-03-18🔓Charge satisfied #20
- 2008-03-18🔓Charge satisfied #19
- 2008-03-18🔓Charge satisfied #18
- 2008-03-18🔓Charge satisfied #16
- 2008-03-18🔓Charge satisfied #15
- 2008-03-18🔓Charge satisfied #13
- 2008-03-18🔓Charge satisfied #12
- 2008-03-18🔓Charge satisfied #11
- 2008-03-18🔓Charge satisfied #8
- 2008-03-18🔓Charge satisfied #6
- 2008-03-18🔓Charge satisfied #7
- 2008-03-18🔓Charge satisfied #5
- 2008-03-18🔓Charge satisfied #4
Showing most recent 50 of 93 events
Owner dependency
100/100
Critical — business is the founderThe 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 22 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 76 — succession pressure is live.
Succession & seller-readiness
100/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 76 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 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
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Patricia Mary Elizabeth Wynne Individual · British · DOB 02/1951 · age 75 | 75–100% | — | 75-100% shares | 03/09/2016 |
4 historic (ceased) PSCs
- Mrs Patricia Wynneceased 19/02/2026· 75-100% shares
- Mr Roger Bailey Wynneceased 16/06/2021· 75-100% shares
- Mrs Patricia Mary Elizabeth Wynneceased 17/09/2021· significant influence
- Mr Patrick Joseph Ruaneceased 13/04/2018· 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 · CH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BRIDGING QUICKLY LIMITED→ 13014051 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BROOKDALE IFP LIMITED→ 07954757 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| BROOM INVESTMENT SOLUTIONS LTD→ 09189511 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| BUSINESS FINANCE HOUSE LIMITED→ 12777443 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CALLIDA FINANCE GROUP LTD→ 13920361 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CAN DO PAYMENTS LTD→ 11701057 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CAPITAL BUSINESS LOANS LIMITED→ 14491729 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CARL C. GRANT FINANCIAL SOLUTIONS LIMITED→ 09782071 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CARTWRIGHT FIC LIMITED→ 15266328 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CASHIN GREEN COMMERCIAL SERVICES LTD→ 16123332 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CASTLE GANT LIMITED→ 06737220 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| CC PRIVATE FINANCE LIMITED→ 16354421 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2004-09-03
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
3 Deva House
The Groves
Chester
CH1 1SD
England
Filing status
Accounts
Next due: 2027-05-28
Last made up to: 2025-08-28
Confirmation statement
Next due: 2026-10-21
Last: 2025-10-07
Officers (1 active · 4 resigned)
WYNNE, Roger Bailey→
Activedirector · ~76y · appointed 2004-09-03
View their other companies + combined net worth →
RUANE, Patrick Joseph→
Resignedsecretary · appointed 2004-09-03 · resigned 2018-05-31
SAME-DAY COMPANY SERVICES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2004-09-03 · resigned 2004-09-03
RUANE, Patrick Joseph→
Resigneddirector · ~57y · appointed 2004-09-03 · resigned 2018-05-20
WILDMAN & BATTELL LIMITED→
Resignedcorporate-nominee-director · appointed 2004-09-03 · resigned 2004-09-03
Click a director name to see their full track record across all companies.
Mortgages & charges
34
Total charges
2
Outstanding
1
Active lenders
Status:Lender:34 of 34 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Virgin Money Clydesdale Bank PLC | Sub-charge | 1 property | 05/06/2008 | 05/02/2011 | |
| satisfied | Virgin Money Clydesdale Bank PLC (T/a Yorkshire Bank) | Sub-charge | 1 property | 09/10/2007 | 18/03/2008 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Yorkshire Bank) | Sub charge | 1 property | 18/09/2007 | 03/07/2010 | |
| satisfied | Virgin Money Clydesdale Bank PLC (T/a Yorkshire Bank) | Sub-charge | 1 property | 31/08/2007 | 18/03/2008 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Yorkshire Bank) | Sub-charge | 1 property | 31/08/2007 | 26/01/2011 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Yorkshire Bank) | Sub-charge | 1 property | 31/05/2007 | 03/07/2010 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Yorkshire Bank) | Sub-charge | 1 property | 25/05/2007 | 03/07/2010 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Yorkshire Bank) | Sub-charge | 1 property | 03/05/2007 | 03/07/2010 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Yorkshire Bank) | Sub-charge | 1 property | 30/04/2007 | 18/03/2008 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Yorkshire Bank) | Sub-charge | 1 property | 24/04/2007 | 03/07/2010 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Sub-charge | 1 property | 09/02/2007 | 03/07/2010 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Yorkshire Bank) | Sub-charge | 1 property | 22/12/2006 | 18/03/2008 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Sub-charge | 3 properties | 22/12/2006 | 03/07/2010 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Yorkshire Bank) | Sub-charge | 1 property | 20/12/2006 | 03/07/2010 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Yorkshire Bank) | Sub-charge | 1 property | 08/12/2006 | 03/07/2010 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Yorkshire Bank) | Sub-charge | 1 property | 16/11/2006 | 03/07/2010 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Sub charge | 1 property | 04/09/2006 | 18/03/2008 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company Trading as Yorkshire Bank | Sub-charge | 1 property | 14/07/2006 | 18/03/2008 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Yorkshire Bank) | Sub-charge | 1 property | 16/01/2006 | 18/03/2008 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Yorkshire Bank) | Sub-charge | 1 property | 10/01/2006 | 18/03/2008 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Legal sub-charge | 1 property | 23/12/2005 | 18/03/2008 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Legal sub-charge | 1 property | 23/12/2005 | 03/07/2010 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Legal sub-charge | 1 property | 23/12/2005 | 18/03/2008 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Legal sub-charge | 1 property | 23/12/2005 | 18/03/2008 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Legal sub-charge | 1 property | 23/12/2005 | 18/03/2008 | |
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Debenture | 1 property | 23/12/2005 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC | Debenture | 1 property | 09/12/2005 | — | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Sub-charge | 1 property | 07/12/2005 | 18/03/2008 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Sub charge | 1 property | 14/07/2005 | 18/03/2008 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Sub charge | 1 property | 13/07/2005 | 18/03/2008 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Sub-charge | 1 property | 17/02/2005 | 18/03/2008 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Sub-charge | 1 property | 19/01/2005 | 18/03/2008 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Sub-charge | 1 property | 18/01/2005 | 18/03/2008 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 12/01/2005 | 18/03/2008 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (133 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-06-25
change-person-director-company-with-change-date
officers · CH01
2026-03-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-27
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-02-19
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-02-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-15
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-20
confirmation-statement-with-updates
confirmation-statement · CS01
2021-10-07
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-10-07