BFA HOLDINGS LIMITED
Opportunity 79/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -98% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 19.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 19.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £-12.2k | £25.4k |
| Current assets | £131.9k | £121.6k |
| Cash | £290 | £12.1k |
| Debtors | £101.7k | £109.5k |
| Net assets | £-12.2k | £25.4k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
Corporate timeline (40 events)Click to expand
- 2025-12-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-29📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2020-12-01📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-12-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-10-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-10-20📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2020-10-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-10-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-10-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-07-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-28➕WILLINGS, Guy James appointeddirector
- 2020-07-28➖FOSTER, Diana Jillian resignedsecretary
- 2020-07-28➖FOSTER, Anthony Charles resigneddirector
- 2020-07-28➖FOSTER, Diana Jillian resigneddirector
- 2019-11-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-10-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2014-04-28➕FOSTER, Diana Jillian appointedsecretary
- 2014-04-28➕FOSTER, Diana Jillian appointeddirector
- 2012-12-01➖HUDSON, Michael resignedsecretary
- 2012-07-30➖DUMONT, Marc resigneddirector
- 2012-07-30➖LAWRENCE, Peter Jessel Levay resigneddirector
- 2011-05-26🔓Charge satisfied #1
- 2008-07-30➖WARDE NORBURY, Mark William Antony resigneddirector
- 2007-01-18🔒Charge registered #1Lender: St Helens Private Equity PLC
- 2007-01-11➖FOSTER, Diana Jillian resignedsecretary
- 2007-01-11➕HUDSON, Michael appointedsecretary
- 2007-01-11➕DUMONT, Marc appointeddirector
- 2007-01-11➕LAWRENCE, Peter Jessel Levay appointeddirector
- 2007-01-11➕WARDE NORBURY, Mark William Antony appointeddirector
- 2006-04-04🏢Company incorporatedAs BFA HOLDINGS LIMITED
- 2006-04-04➕FOSTER, Diana Jillian appointedsecretary
- 2006-04-04➕SDG SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2006-04-04➖SDG SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2006-04-04➕FOSTER, Anthony Charles appointeddirector
- 2006-04-04➕SDG REGISTRARS LIMITED appointedcorporate-nominee-director
- 2006-04-04➖SDG REGISTRARS LIMITED resignedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondaryStable-but-static management: Company is 20 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Guy James Willings Individual · British · DOB 06/1968 · age 58 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 28/07/2020 |
1 historic (ceased) PSC
- Diana Jillian Fosterceased 28/07/2020· 75-100% shares · 75-100% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 →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
Registered office
Filing status
Officers (1 active · 10 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | St Helens Private Equity St Helens Private Equity PLC | Loan stock instrument | 1 property | 18/01/2007 | 26/05/2011 |