BRAEMAR MORTGAGE SERVICES LIMITED

🌳Matureactive
06803170 · ltd · incorporated 2009-01-27
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 May 2026
Net worth
£37.2k
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66220Activities of insurance agents and brokers
Investor take
Pursue
Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 58). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -68% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).

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, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (3 active, 4 linked, 3 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
41 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £37,192
Cash draining
Cash down 68% YoY
Cash YoY
-68%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£8k
↓ 68% YoY
Net Worth
£37k
~ YoY
Current Assets
£63k
↓ 25% YoY
Current Liabilities
—
£0£17k£34k£50k£67k£84kMay 2025May 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2026-05-312025-05-31
Total assets£37.2k£48.5k
Current assets£62.5k£83.8k
Cash£8.2k£25.9k
Debtors£54.3k£57.9k
Net assets£37.2k£36.9k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
1
filing
  • • 1 accounts
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 (21 events)Click to expand
  1. 2026-06-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-06-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-06-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-06-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-06-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-06-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-07-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-06-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-06-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2017-09-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2016-06-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2016-03-22
    ➖
    BOYLE, James resigned
    director
  13. 2016-03-22
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2016-02-19
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-07-01
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2015-03-04
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2010-01-29
    ➕
    RILEY, Simon Paul appointed
    director
  18. 2009-01-27
    🏢
    Company incorporated
    As BRAEMAR MORTGAGE SERVICES LIMITED
  19. 2009-01-27
    ➕
    FLETCHER, David Clifford appointed
    secretary
  20. 2009-01-27
    ➕
    FLETCHER, David Clifford appointed
    director
  21. 2009-01-27
    ➕
    BOYLE, James 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.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

69/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • 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 17 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr David Clifford Fletcher
Individual · British · DOB 07/1970 · age 56
50–75%
—50-75% shares01/01/2017
Mr Simon Paul Riley
Individual · British · DOB 12/1968 · age 58
25–50%
—25-50% shares01/01/2017

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.

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Company details

Statusactive
Typeltd
Incorporated2009-01-27
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

95a Wood Lane
Timperley
Altrincham
Cheshire
WA15 7PG

Filing status

Accounts
Next due: 2028-02-29
Last made up to: 2026-05-31
Confirmation statement
Next due: 2027-02-10
Last: 2026-01-27

Officers (3 active · 1 resigned)

FLETCHER, David Clifford→
secretary · appointed 2009-01-27
View their other companies + combined net worth →
Active
FLETCHER, David Clifford→
director · ~56y · appointed 2009-01-27
View their other companies + combined net worth →
Active
RILEY, Simon Paul→
director · ~58y · appointed 2010-01-29
View their other companies + combined net worth →
Active
BOYLE, James→
director · ~75y · appointed 2009-01-27 · resigned 2016-03-22
Resigned

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

Recent filings (41 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-06-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-01
confirmation-statement-with-updates
confirmation-statement · CS01
2020-01-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-06-26