BUSINESS FINANCING SOLUTIONS LIMITED

🌳Matureactive
06451075 · ltd · incorporated 2007-12-11
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 6.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2026
Net worth
—
book net assets
Opportunity
77/100
Strong
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 77/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

1 live charge · oldest 6.4y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 6.4 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
8 officers (2 active, 8 linked, 6 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
71 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
65
Some acquirability indicators.
Risk profile
82
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£0Feb 2025Feb 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2026-02-282025-02-28
Average employees4300

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
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (37 events)Click to expand
  1. 2026-04-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-07-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-07-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2025-07-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2025-07-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2025-07-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2025-05-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2024-10-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2024-08-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2024-08-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2024-08-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2024-08-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2024-08-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2023-08-30
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2023-08-30
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2023-08-30
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2023-05-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2022-07-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2022-04-13
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  20. 2022-04-13
    🔓
    Charge satisfied #1
  21. 2021-05-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2020-01-16
    🔒
    Charge registered #1
    Lender: Arbuthnot Latham & Co., Limited
  23. 2012-01-01
    ➕
    WADDICKER, Louise Carol appointed
    director
  24. 2010-09-14
    ➖
    WADDICKER, James Paul resigned
    director
  25. 2009-10-08
    ➖
    WADDICKER, Joanne resigned
    secretary
  26. 2009-08-17
    ➖
    ASHWORTH, Louise resigned
    director
  27. 2009-08-11
    ➕
    WADDICKER, John Mark appointed
    director
  28. 2009-08-11
    ➕
    WADDICKER, James Paul appointed
    director
  29. 2009-03-07
    ➖
    WADDICKER, Joanne resigned
    director
  30. 2009-01-16
    ➕
    WADDICKER, Joanne appointed
    secretary
  31. 2009-01-16
    ➕
    WADDICKER, Joanne appointed
    director
  32. 2009-01-14
    ➖
    WADDICKER, Joanne resigned
    secretary
  33. 2009-01-14
    ➖
    WADDICKER, Joanne resigned
    director
  34. 2007-12-11
    🏢
    Company incorporated
    As BUSINESS FINANCING SOLUTIONS LIMITED
  35. 2007-12-11
    ➕
    WADDICKER, Joanne appointed
    secretary
  36. 2007-12-11
    ➕
    ASHWORTH, Louise appointed
    director
  37. 2007-12-11
    ➕
    WADDICKER, Joanne appointed
    director

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 17 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 17 years.
  • secondaryStable-but-static management: Company is 18 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

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr John Waddicker
Individual · British · DOB 12/1972 · age 54
25–50%
—25-50% shares06/04/2016
Mrs Louise Carol Waddicker
Individual · British · DOB 11/1977 · age 49
25–50%
—25-50% shares06/04/2016

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 →

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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
Incorporated2007-12-11
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Fourth Floor, Unit 5b The Parklands
Lostock
Bolton
BL6 4SD
England

Filing status

Accounts
Next due: 2027-11-30
Last made up to: 2026-02-28
Confirmation statement
Next due: 2027-03-16
Last: 2026-03-02

Officers (2 active · 6 resigned)

WADDICKER, John Mark→
director · ~54y · appointed 2009-08-11
View their other companies + combined net worth →
Active
WADDICKER, Louise Carol→
director · ~49y · appointed 2012-01-01
View their other companies + combined net worth →
Active
WADDICKER, Joanne→
secretary · appointed 2009-01-16 · resigned 2009-10-08
Resigned
WADDICKER, Joanne→
secretary · appointed 2007-12-11 · resigned 2009-01-14
Resigned
ASHWORTH, Louise→
director · ~49y · appointed 2007-12-11 · resigned 2009-08-17
Resigned
WADDICKER, James Paul→
director · ~56y · appointed 2009-08-11 · resigned 2010-09-14
Resigned
WADDICKER, Joanne→
director · ~49y · appointed 2009-01-16 · resigned 2009-03-07
Resigned
WADDICKER, Joanne→
director · ~49y · appointed 2007-12-11 · resigned 2009-01-14
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
Arbuthnot Latham & Co.,
Arbuthnot Latham & Co., Limited
A registered charge—16/01/202013/04/2022

Recent filings (71 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-02
change-person-director-company-with-change-date
officers · CH01
2025-07-14
change-person-director-company-with-change-date
officers · CH01
2025-07-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-14
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-25
change-person-director-company-with-change-date
officers · CH01
2024-08-15
change-person-director-company-with-change-date
officers · CH01
2024-08-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-08-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-08-15
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-08-15