BUTTERWORTH SPENGLER PROFESSIONAL RISKS LIMITED
🌳Matureactive
06808611 · ltd · incorporated 2009-02-03
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 15.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 72/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 15.9y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 15.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 23/100 — clean.
Data confidence
Overall: medium (62/100)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
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
9 officers (2 active, 9 linked, 9 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
17 connected companies via shared directors
90
Filing history
95 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 officers
Last 180 days
9
filings
- • 4 officers
- • 2 accounts
- • 2 other
Counts from Companies House filing history.
Corporate timeline (42 events)Click to expand
- 2026-03-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-26➖BELL, Richard John resigneddirector
- 2026-01-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-31➖BANKS, Jeffrey Robert resigneddirector
- 2025-12-31➖LACEY, John Carl resigneddirector
- 2025-12-31📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-12-31📄legacyaccounts · PARENT_ACC
- 2025-12-31📄legacyother · GUARANTEE2
- 2025-12-31📄legacyother · AGREEMENT2
- 2025-12-23➕ERASMUS, Matthew Robert appointeddirector
- 2025-12-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-01🔓Charge satisfied #2
- 2024-12-20📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-12-20📄legacyaccounts · PARENT_ACC
- 2024-12-20📄legacyother · GUARANTEE2
- 2024-12-20📄legacyother · AGREEMENT2
- 2023-12-08📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2023-12-08📄legacyaccounts · PARENT_ACC
- 2023-12-08📄legacyother · AGREEMENT2
- 2023-12-08📄legacyother · GUARANTEE2
- 2023-07-11📄change-person-director-company-with-change-dateofficers · CH01
- 2023-01-05📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2023-01-05📄legacyaccounts · PARENT_ACC
- 2023-01-05📄legacyother · AGREEMENT2
- 2022-05-26➕WRIGHT, Kathren appointeddirector
- 2022-05-26➕BELL, Richard John appointeddirector
- 2022-02-04🔒Charge registered #2Lender: Ares Management Limited
- 2021-04-30➖COFFEY, Philip Clifford resigneddirector
- 2021-04-30➖DIXON, Steven Norman resigneddirector
- 2021-03-05🔓Charge satisfied #1
- 2021-03-02➖SAUNDERS, Lee Mark resigneddirector
- 2021-03-02➖SPENGLER, Gary Nicholas resigneddirector
- 2019-11-05➕BANKS, Jeffrey Robert appointeddirector
- 2012-12-19➕COFFEY, Philip Clifford appointeddirector
- 2010-07-09🔒Charge registered #1Lender: Barclays Bank PLC
- 2009-02-03🏢Company incorporatedAs BUTTERWORTH SPENGLER PROFESSIONAL RISKS LIMITED
- 2009-02-03➕DIXON, Steven Norman appointeddirector
- 2009-02-03➕LACEY, John Carl appointeddirector
- 2009-02-03➕SAUNDERS, Lee Mark appointeddirector
- 2009-02-03➕SPENGLER, Gary Nicholas appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·3 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: BANKS, Jeffrey Robert resigned 2025-12-31; BELL, Richard John resigned 2026-03-26; LACEY, John Carl resigned 2025-12-31
Group structure
Butterworth Spengler Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Butterworth Spengler Group Limited
Corporate parent · holds 75-100% shares · board control
⬇
BUTTERWORTH SPENGLER PROFESSIONAL RISKS LIMITED
This company · 06808611
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Butterworth Spengler Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 25/02/2021 |
1 historic (ceased) PSC
- Mr Steven Norman Dixonceased 25/02/2021· 25-50% shares · 25-50% voting
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 →Similar companies
Active · Financial services · LS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BONDINSURE LIMITED→ 15249956 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BONDSURE LIMITED→ 15250101 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BRITOPIA HOLDINGS LIMITED→ 16345148 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BROOKS RAYNER→ 11133852 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BUSINESS RESCUE BY BIZSAVE LTD→ 16615361 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| C F BELL FINANCIAL CONSULTANT LTD→ 06484010 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| CADS INVESTMENTS→ 08854829 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| CANNY METHODS LTD→ 14846408 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CARE FINANCIAL SERVICES LTD→ 12428544 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| CARLEX ESTATES,LIMITED→ 00407586 · est 1946 · no financials extracted | — | — | — | — | 80y | — | — |
| CARTER FINANCIAL SOLUTIONS LTD→ 14593575 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CARTER WEALTH MANAGEMENT LTD→ 08319830 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
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
Incorporated2009-02-03
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
Elmwood House Ghyll Royd
Guiseley
Leeds
LS20 9LT
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-17
Last: 2026-02-03
Officers (2 active · 7 resigned)
ERASMUS, Matthew Robert→
Activedirector · ~53y · appointed 2025-12-23
View their other companies + combined net worth →
WRIGHT, Kathren→
Activedirector · ~54y · appointed 2022-05-26
View their other companies + combined net worth →
BANKS, Jeffrey Robert→
Resigneddirector · ~56y · appointed 2019-11-05 · resigned 2025-12-31
BELL, Richard John→
Resigneddirector · ~53y · appointed 2022-05-26 · resigned 2026-03-26
COFFEY, Philip Clifford→
Resigneddirector · ~66y · appointed 2012-12-19 · resigned 2021-04-30
DIXON, Steven Norman→
Resigneddirector · ~67y · appointed 2009-02-03 · resigned 2021-04-30
LACEY, John Carl→
Resigneddirector · ~55y · appointed 2009-02-03 · resigned 2025-12-31
SAUNDERS, Lee Mark→
Resigneddirector · ~58y · appointed 2009-02-03 · resigned 2021-03-02
SPENGLER, Gary Nicholas→
Resigneddirector · ~65y · appointed 2009-02-03 · resigned 2021-03-02
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Ares Management Ares Management Limited | A registered charge | — | 04/02/2022 | 01/12/2025 | |
| satisfied | Barclays Barclays Bank PLC | Guarantee & debenture | 1 property | 09/07/2010 | 05/03/2021 |
Recent filings (95 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-05
termination-director-company-with-name-termination-date
officers · TM01
2026-01-05
termination-director-company-with-name-termination-date
officers · TM01
2026-01-05
appoint-person-director-company-with-name-date
officers · AP01
2026-01-05
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-12-31
legacy
accounts · PARENT_ACC
2025-12-31
legacy
other · GUARANTEE2
2025-12-31
legacy
other · AGREEMENT2
2025-12-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-12-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-17
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-12-20
legacy
accounts · PARENT_ACC
2024-12-20
legacy
other · GUARANTEE2
2024-12-20
legacy
other · AGREEMENT2
2024-12-20