A. BIANCHI FINANCIAL SOLUTIONS LIMITED
💤Zombieactive
05673826 · ltd · incorporated 2006-01-12
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 Jan 2025
Net worth
£154.3k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 77/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
2 live charges · oldest 19.8y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 19.8 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (76/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 1 with DOB)
75
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
55 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £154,274
Net assets shrinking
Down £9,537 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£154k
↓ 5.8% YoY
Current Assets
£12k
↓ 34% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £207.3k | £235.2k |
| Current assets | £12.3k | £18.7k |
| Net assets | £154.3k | £163.8k |
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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2025-10-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-10-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-01-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-10-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-06-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-06-30🔓Charge satisfied #1
- 2019-10-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-10-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-10-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-12-08📄change-person-secretary-company-with-change-dateofficers · CH03
- 2016-12-08📄change-person-director-company-with-change-dateofficers · CH01
- 2016-10-19📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-02-05📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2006-08-16🔒Charge registered #2Lender: Hsbc Bank PLC
- 2006-07-17🔒Charge registered #1Lender: Hsbc Bank PLC
- 2006-01-12🏢Company incorporatedAs A. BIANCHI FINANCIAL SOLUTIONS LIMITED
- 2006-01-12➕BIANCHI, Adele Linda May appointedsecretary
- 2006-01-12➕BIANCHI, Alex appointeddirector
- 2006-01-12➕53 RODNEY STREET (LIVERPOOL) LTD appointedcorporate-secretary
- 2006-01-12➖53 RODNEY STREET (LIVERPOOL) LTD resignedcorporate-secretary
- 2006-01-12➕THE COMPANY SPECIALISTS LTD appointedcorporate-director
- 2006-01-12➖THE COMPANY SPECIALISTS LTD resignedcorporate-director
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.
- +Founder name in company name: Company name contains director surname "BIANCHI" — 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.
Succession & seller-readiness
75/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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
cleanNo 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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alex Bianchi Individual · Italian · DOB 03/1970 · age 56 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · LS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2410 TRADING LIMITED→ 16903740 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 260 DEGREES WEST→ 13495989 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 2M FINANCIAL SERVICES LTD→ 07013894 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| 2PM FINANCIAL SERVICES LIMITED→ 04544159 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| A1 CAPITAL LIMITED→ 06038834 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| AB FINANCE LIMITED→ 10033105 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| AB21 CONSULTANCY LTD→ 14714905 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ABDULLAH MANIK LTD→ 17028119 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ABK1→ 10595646 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ABL CAPITAL LTD→ 07935906 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| ABM CONSULTANCY LIMITED→ 11124523 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ABOVE & BEYOND MORTGAGES (YORKSHIRE) LIMITED→ 12891319 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated2006-01-12
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
6 Bardon Hall Mews
Weetwood Lane
Leeds
West Yorkshire
LS16 5TY
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-01-25
Last: 2026-01-11
Officers (2 active · 2 resigned)
BIANCHI, Adele Linda May→
Activesecretary · appointed 2006-01-12
View their other companies + combined net worth →
BIANCHI, Alex→
Activedirector · ~56y · appointed 2006-01-12
View their other companies + combined net worth →
53 RODNEY STREET (LIVERPOOL) LTD→
Resignedcorporate-secretary · appointed 2006-01-12 · resigned 2006-01-12
THE COMPANY SPECIALISTS LTD→
Resignedcorporate-director · appointed 2006-01-12 · resigned 2006-01-12
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 16/08/2006 | — | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 17/07/2006 | 30/06/2020 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (55 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-17
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-13
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-11
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-09
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-25
mortgage-satisfy-charge-full
mortgage · MR04
2020-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-20