SBFI GROUP LIMITED
🌳Matureactive
05299222 · ltd · incorporated 2004-11-29
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 21.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£12.85M
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Manufacture of other furniture
Sector: Manufacturing
Investor take
PursueActive trading company with a 76-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 3 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
4 live charges · 2 lenders · oldest 21.2y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 21.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
16 officers (4 active, 16 linked, 10 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
100 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £12,845,844
Net assets shrinking
Down £62,138 YoY
Cash YoY
-9%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£9.1m
↓ 9.1% YoY
Net Worth
£13m
~ YoY
Current Assets
£17m
↓ 8.6% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £13.03M | £13.22M |
| Current assets | £17.16M | £18.78M |
| Cash | £9.09M | £10.01M |
| Debtors | £6.11M | £6.16M |
| Net assets | £12.85M | £12.91M |
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
4
filings
- • 4 officers
Last 180 days
4
filings
- • 4 officers
Counts from Companies House filing history.
Corporate timeline (49 events)Click to expand
- 2026-03-27➖FINCH, Stephen Mark resignedsecretary
- 2026-03-27➖FINCH, Stephen Mark resigneddirector
- 2026-03-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-27📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2026-03-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-02➕HADLEY, Peter Antony Raymond appointeddirector
- 2026-03-02➕JONES, Paul appointeddirector
- 2026-03-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-07-24📄accounts-with-accounts-type-mediumaccounts · AA
- 2024-07-12📄accounts-with-accounts-type-fullaccounts · AA
- 2023-08-04📄accounts-with-accounts-type-fullaccounts · AA
- 2022-08-26📄accounts-with-accounts-type-fullaccounts · AA
- 2021-11-16📄accounts-with-accounts-type-fullaccounts · AA
- 2020-12-07📄accounts-with-accounts-type-fullaccounts · AA
- 2019-11-01📄resolutionresolution · RESOLUTIONS
- 2019-07-30📄accounts-with-accounts-type-fullaccounts · AA
- 2019-03-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-07-02📄accounts-with-accounts-type-fullaccounts · AA
- 2017-08-09📄accounts-with-accounts-type-fullaccounts · AA
- 2015-01-07➕FINCH, Stephen Mark appointeddirector
- 2015-01-05➖PLUMBLY, Andrew Martin Harvey resigneddirector
- 2010-08-24➕FINCH, Stephen Mark appointedsecretary
- 2010-08-24➖HYND, Alan Ferrier, B Sc Hons resignedsecretary
- 2009-10-27🔒Charge registered #4Lender: Hsbc Bank PLC
- 2009-09-18➕FINGER, Thomas Lee appointeddirector
- 2009-09-18➖MCGOWAN, Michael Christopher resigneddirector
- 2008-06-24➕HYND, Alan Ferrier, B Sc Hons appointedsecretary
- 2008-06-24➖ST JAMES'S SQUARE SECRETARIES LIMITED resignedcorporate-secretary
- 2008-06-01➕PLUMBLY, Andrew Martin Harvey appointeddirector
- 2007-12-04➖HALL, Martin John Dennis resignedsecretary
- 2007-12-04➕ST JAMES'S SQUARE SECRETARIES LIMITED appointedcorporate-secretary
- 2007-12-04➖BANWELL, Mark resigneddirector
- 2007-12-04➖HALL, Martin John Dennis resigneddirector
- 2006-12-31➖OTTERBURN, Stephen John resigneddirector
- 2006-12-20🔓Charge satisfied #1
- 2006-11-24🔒Charge registered #3Lender: Hsbc Bank PLC
- 2006-08-31🔒Charge registered #2Lender: Hsbc Bank PLC
- 2005-03-02➕HYND, Alan Ferrier, Bsc Hons appointeddirector
- 2005-02-28🔒Charge registered #1Lender: Michael Christopher Mcgowan
- 2005-01-21➕HALL, Martin John Dennis appointedsecretary
- 2005-01-21➖ST JAMES'S SQUARE SECRETARIES LIMITED resignedcorporate-secretary
- 2005-01-21➕BANWELL, Mark appointeddirector
- 2005-01-21➕HALL, Martin John Dennis appointeddirector
- 2005-01-21➕OTTERBURN, Stephen John appointeddirector
- 2004-11-29🏢Company incorporatedAs SBFI GROUP LIMITED
- 2004-11-29➕ST JAMES'S SQUARE SECRETARIES LIMITED appointedcorporate-secretary
- 2004-11-29➕MCGOWAN, Michael Christopher appointeddirector
- 2004-11-29➕ST JAMES'S SQUARE DIRECTORS LIMITED appointedcorporate-director
- 2004-11-29➖ST JAMES'S SQUARE DIRECTORS LIMITED resignedcorporate-director
Owner dependency
65/100
High — earn-out structure requiredMaterial 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 21 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 76 — succession pressure is live.
Succession & seller-readiness
80/100
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.
- primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: FINCH, Stephen Mark resigned 2026-03-27; FINCH, Stephen Mark resigned 2026-03-27
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Thomas Lee Finger Individual · American · DOB 01/1950 · age 76 | — | — | sig. influencesignificant influence | 29/11/2016 |
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 · Manufacturing · EC postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1336 LIMITED→ 10887251 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| 13STAR CONSULTING LTD→ 15711263 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 14SIX8 LIMITED→ 11568860 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 1979 LONDON LTD→ 16964268 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 1WAY MOTION LTD→ 16667586 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 27 GAMES LTD→ 13541578 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 2SAM22 GROUP UK LTD→ 11417282 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 3W ELECTRONICS LTD→ 16275504 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 4 PRECISION LTD→ 13382839 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 4ONSTUDIOS LTD→ 11623192 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 5C JEWELLERS LIMITED→ 12881108 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 5DB INDUSTRIES LTD→ 10837952 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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
Incorporated2004-11-29
Jurisdictionengland-wales
Primary SIC31090 — Manufacture of other furniture
Registered office
2nd Floor, Landmark House 69 Leadenhall Street And
94 And 95 Fenchurch Street
London
EC3A 2DB
England
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-10-14
Last: 2025-09-30
Officers (4 active · 12 resigned)
FINGER, Thomas Lee→
Activedirector · ~76y · appointed 2009-09-18
View their other companies + combined net worth →
HADLEY, Peter Antony Raymond→
Activedirector · ~41y · appointed 2026-03-02
View their other companies + combined net worth →
HYND, Alan Ferrier, Bsc Hons→
Activedirector · ~65y · appointed 2005-03-02
View their other companies + combined net worth →
Active
FINCH, Stephen Mark→
Resignedsecretary · appointed 2010-08-24 · resigned 2026-03-27
HALL, Martin John Dennis→
Resignedsecretary · appointed 2005-01-21 · resigned 2007-12-04
HYND, Alan Ferrier, B Sc Hons→
Resignedsecretary · appointed 2008-06-24 · resigned 2010-08-24
ST JAMES'S SQUARE SECRETARIES LIMITED→
Resignedcorporate-secretary · appointed 2007-12-04 · resigned 2008-06-24
ST JAMES'S SQUARE SECRETARIES LIMITED→
Resignedcorporate-secretary · appointed 2004-11-29 · resigned 2005-01-21
BANWELL, Mark→
Resigneddirector · ~62y · appointed 2005-01-21 · resigned 2007-12-04
FINCH, Stephen Mark→
Resigneddirector · ~66y · appointed 2015-01-07 · resigned 2026-03-27
HALL, Martin John Dennis→
Resigneddirector · ~70y · appointed 2005-01-21 · resigned 2007-12-04
MCGOWAN, Michael Christopher→
Resigneddirector · ~79y · appointed 2004-11-29 · resigned 2009-09-18
OTTERBURN, Stephen John→
Resigneddirector · ~79y · appointed 2005-01-21 · resigned 2006-12-31
PLUMBLY, Andrew Martin Harvey→
Resigneddirector · ~73y · appointed 2008-06-01 · resigned 2015-01-05
ST JAMES'S SQUARE DIRECTORS LIMITED→
Resignedcorporate-director · appointed 2004-11-29 · resigned 2004-11-29
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
3
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 27/10/2009 | — | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 24/11/2006 | — | |
| outstanding | HSBC Hsbc Bank PLC | Debenture | 1 property | 31/08/2006 | — | |
| satisfied | Michael Christopher Mcgowan | Debenture | 1 property | 28/02/2005 | 20/12/2006 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (100 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-03-27
termination-secretary-company-with-name-termination-date
officers · TM02
2026-03-27
appoint-person-director-company-with-name-date
officers · AP01
2026-03-03
appoint-person-director-company-with-name-date
officers · AP01
2026-03-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-30
accounts-with-accounts-type-medium
accounts · AA
2025-07-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-29
accounts-with-accounts-type-full
accounts · AA
2024-07-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-29
accounts-with-accounts-type-full
accounts · AA
2023-08-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-29
accounts-with-accounts-type-full
accounts · AA
2022-08-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-02
accounts-with-accounts-type-full
accounts · AA
2021-11-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-10