B2C FINANCE LTD

🌳Matureactive
06828817 · ltd · incorporated 2009-02-24
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 Feb 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: high (83/100)

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
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
60 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
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 2024Feb 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-02-282024-02-29
Average employees16001100

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
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2026-02-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-05-14
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  3. 2025-05-13
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  4. 2025-05-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2025-02-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2024-02-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2023-03-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2022-11-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2021-12-24
    📄
    capital-name-of-class-of-shares
    capital · SH08
  10. 2021-12-22
    📄
    second-filing-of-confirmation-statement-with-made-up-date
    confirmation-statement · RP04CS01
  11. 2021-11-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2021-01-29
    📄
    capital-alter-shares-subdivision
    capital · SH02
  13. 2021-01-29
    📄
    memorandum-articles
    incorporation · MA
  14. 2021-01-29
    📄
    resolution
    resolution · RESOLUTIONS
  15. 2021-01-29
    📄
    capital-name-of-class-of-shares
    capital · SH08
  16. 2021-01-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2021-01-15
    ➕
    BLAZYE, Andrew Robert appointed
    director
  18. 2020-10-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  19. 2020-03-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  20. 2009-02-24
    🏢
    Company incorporated
    As B2C FINANCE LTD
  21. 2009-02-24
    ➕
    BHANDAL, Arvinder appointed
    director

Owner dependency

88/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

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.
  • +Founder age: Director aged approximately 68 — succession pressure is live.
  • +No director turnover: Company is 17 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

79/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
  • 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mrs Arvinder Bhandal
Individual · British · DOB 11/1982 · age 44
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016
1 historic (ceased) PSC
  • Mrs Arvinder Bhandalceased 15/03/2018· 75-100% shares

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

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 →
🔒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
Incorporated2009-02-24
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Jq Modern Suite 504/505
120 Vyse Street
Birmingham
B18 6NF
England

Filing status

Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-03-10
Last: 2026-02-24

Officers (2 active · 0 resigned)

BHANDAL, Arvinder→
director · ~44y · appointed 2009-02-24
View their other companies + combined net worth →
Active
BLAZYE, Andrew Robert→
director · ~68y · appointed 2021-01-15
View their other companies + combined net worth →
Active

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

Recent filings (60 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-27
gazette-filings-brought-up-to-date
gazette · DISS40
2025-05-14
gazette-notice-compulsory
gazette · GAZ1
2025-05-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-11
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-02-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-15
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-03-15
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-11-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-22
capital-name-of-class-of-shares
capital · SH08
2021-12-24
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2021-12-22