BEECHWOOD MORTGAGES LTD

🌳Matureactive
06030813 · ltd · incorporated 2006-12-18
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 4.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2026
Net worth
—
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 4.5y

60/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Charge age ~4.5 years — mid-life; refi window approaching.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (77/100)

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 (3 active, 4 linked, 2 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
56 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2025Mar 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-03-312025-03-31
Average employees800500

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
2
filings
  • • 1 accounts
  • • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2026-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2026-01-28
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2026-01-27
    🔒
    Charge registered #2
    Lender: Funding Circle LTD
  4. 2025-06-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2025-03-31
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2024-07-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-07-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-05-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-02-01
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2022-01-27
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  11. 2021-09-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2020-07-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-06-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-06-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-10-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2016-05-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2015-12-21
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  18. 2015-05-10
    ➕
    COLLINS, Samantha Jane appointed
    director
  19. 2006-12-18
    🏢
    Company incorporated
    As BEECHWOOD MORTGAGES LTD
  20. 2006-12-18
    ➕
    COLLINS, Samantha Jane appointed
    secretary
  21. 2006-12-18
    ➕
    COLLINS, Adrian John appointed
    director
  22. 2006-12-18
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  23. 2006-12-18
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

59/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 20 years.
  • 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
NameSharesVoting rightsNature of controlNotified
Mr Adrian John Collins
Individual · British · DOB 12/1969 · age 57
25–50%
—25-50% shares18/12/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated2006-12-18
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

74 School Road
Tilehurst
Reading
Berkshire
RG31 5AW
England

Filing status

Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-01-01
Last: 2025-12-18

Officers (3 active · 1 resigned)

COLLINS, Samantha Jane→
secretary · appointed 2006-12-18
View their other companies + combined net worth →
Active
COLLINS, Adrian John→
director · ~57y · appointed 2006-12-18
View their other companies + combined net worth →
Active
COLLINS, Samantha Jane→
director · ~54y · appointed 2015-05-10
View their other companies + combined net worth →
Active
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 2006-12-18 · resigned 2006-12-18
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Funding Circle
Funding Circle LTD
A registered charge1 property27/01/2026—
outstanding
Lloyds Banking Group
Lloyds Bank PLC
A registered charge—27/01/2022—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (56 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-06-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-02-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-18