BAVINTON FINANCIAL LTD

🌳Matureactive
05640433 · ltd · incorporated 2005-11-30
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.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2025
Net worth
£42.5k
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: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 78-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (83/100, director aged 78). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -99% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 20.3y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 20.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
67 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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
Positive net assets
Net assets £42,482
Very low cash
Cash position: £1
Cash draining
Cash down 99% YoY
Cash YoY
-99%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£1
↓ 99% YoY
Net Worth
£42k
↑ 65% YoY
Current Assets
£38k
↓ 1.2% YoY
Current Liabilities
—
£0£8k£17k£25k£34k£42kDec 2024Dec 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-12-312024-12-31
Total assets£42.5k£25.8k
Current assets£38.1k£38.6k
Cash£1£99
Debtors£38.1k£38.5k
Net assets£42.5k£25.8k

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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2026-01-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-08-26
    📍
    move-registers-to-registered-office-company-with-new-address
    address · AD04
  3. 2025-01-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-01-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-09-04
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  6. 2023-05-09
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  7. 2023-02-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2023-01-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-09-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2021-03-06
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2021-03-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2021-03-06
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2020-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-07-25
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2019-05-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2018-09-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2013-01-01
    ➕
    WOODWARD, Wendy Helen appointed
    director
  19. 2008-02-28
    🔓
    Charge satisfied #1
  20. 2007-01-02
    ➕
    WOODWARD, Wendy appointed
    secretary
  21. 2007-01-02
    ➖
    BAVINTON, Russell resigned
    secretary
  22. 2007-01-02
    ➖
    BLINKHORN, Roy resigned
    director
  23. 2006-02-10
    🔒
    Charge registered #1
    Lender: Rbr (Financial Services) Limited
  24. 2005-11-30
    🏢
    Company incorporated
    As BAVINTON FINANCIAL LTD
  25. 2005-11-30
    ➕
    BAVINTON, Russell appointed
    director
  26. 2005-11-30
    ➕
    BAVINTON, Russell appointed
    secretary
  27. 2005-11-30
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  28. 2005-11-30
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary
  29. 2005-11-30
    ➕
    BLINKHORN, Roy appointed
    director

Owner dependency

98/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "BAVINTON" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 78 — succession pressure is live.

Succession & seller-readiness

96/100
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 78 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 20 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.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Russell Bavinton
Individual · Australian · DOB 06/1948 · age 78
75–100%
75–100%75-100% shares · 75-100% voting30/11/2016

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 · Financial services · BD postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
ACCORD MORTGAGES LIMITED→
02139881 · est 1987 · no financials extracted
————38y——
ALEXANDER FINANCIAL SOLUTIONS LTD→
11365305 · est 2018 · no financials extracted
————7y——
APPOINTEE CARE LIMITED→
15957094 · est 2024 · no financials extracted
————1y——
ARGENTUM RESET LTD→
17089809 · est 2026 · no financials extracted
———————
ARSHAD HOLDINGS LIMITED→
16747741 · est 2025 · no financials extracted
———————
ASAD CONSULTING LTD→
12025325 · est 2019 · no financials extracted
————6y——
ASTUTE PENSION TRUSTEES LIMITED→
08696449 · est 2013 · no financials extracted
————12y——
ATRIUM WEALTH MANAGEMENT LIMITED→
10628519 · est 2017 · no financials extracted
————9y——
BANQUE DE PARIS LTD→
12120169 · est 2019 · no financials extracted
————6y——
BCS LOANS & MORTGAGES LIMITED→
05893574 · est 2006 · no financials extracted
————19y——
BEE MORTGAGE SOLUTIONS LTD→
15053417 · est 2023 · no financials extracted
————2y——
BEF (LONDON) LTD→
15991707 · est 2024 · no financials extracted
————1y——
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

7 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
Incorporated2005-11-30
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

1 Parkview Court
St. Pauls Road
Shipley
BD18 3DZ
England

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-09-09
Last: 2025-08-26

Officers (3 active · 3 resigned)

WOODWARD, Wendy→
secretary · appointed 2007-01-02
View their other companies + combined net worth →
Active
BAVINTON, Russell→
director · ~78y · appointed 2005-11-30
View their other companies + combined net worth →
Active
WOODWARD, Wendy Helen→
director · ~61y · appointed 2013-01-01
View their other companies + combined net worth →
Active
BAVINTON, Russell→
secretary · appointed 2005-11-30 · resigned 2007-01-02
Resigned
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 2005-11-30 · resigned 2005-11-30
Resigned
BLINKHORN, Roy→
director · ~71y · appointed 2005-11-30 · resigned 2007-01-02
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Rbr (Financial Services)
Rbr (Financial Services) Limited
Charge1 property10/02/200628/02/2008

Recent filings (67 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-26
move-registers-to-registered-office-company-with-new-address
address · AD04
2025-08-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-10
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2023-09-04
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2023-05-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-02-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-30