BDHSTERLING LIMITED
🌳Matureactive
06849498 · ltd · incorporated 2009-03-17
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 5.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 78/100 (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 5.8y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.8 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
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
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 accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 1900 | 2200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2025-12-19📄accounts-with-accounts-type-smallaccounts · AA
- 2025-08-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-01➕MCSWEEN, Khan appointeddirector
- 2025-08-01➖DAVIES, Paul Arnold resigneddirector
- 2024-12-24📄accounts-with-accounts-type-smallaccounts · AA
- 2024-08-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-22🔓Charge satisfied #1
- 2024-04-08📄change-person-director-company-with-change-dateofficers · CH01
- 2023-12-22📄accounts-with-accounts-type-smallaccounts · AA
- 2022-11-09📄accounts-with-accounts-type-smallaccounts · AA
- 2022-04-01📄accounts-with-accounts-type-smallaccounts · AA
- 2021-03-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-10-06🔒Charge registered #1Lender: Vertus Capital SPV1 Limited
- 2020-03-18📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-03-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2020-03-18📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-01-10📄capital-name-of-class-of-sharescapital · SH08
- 2020-01-09📄resolutionresolution · RESOLUTIONS
- 2019-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2010-03-01➖LEE, John Andrew resigneddirector
- 2009-03-17🏢Company incorporatedAs BDHSTERLING LIMITED
- 2009-03-17➕HARVEY, Simon David appointeddirector
- 2009-03-17➕DAVIES, Paul Arnold appointeddirector
- 2009-03-17➕LEE, John Andrew appointeddirector
Owner dependency
68/100
High — earn-out structure requiredMaterial 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.
Succession & seller-readiness
49/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 17 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Bdhsterling Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Bdhsterling Group Limited
Corporate parent · holds 75-100% shares · board control
⬇
BDHSTERLING LIMITED
This company · 06849498
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 |
|---|---|---|---|---|
Bdhsterling Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 03/03/2020 |
2 historic (ceased) PSCs
- Mr Simon David Harveyceased 03/03/2020· 25-50% shares
- Mr Paul Arnold Daviesceased 03/03/2020· 25-50% 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 →Similar companies
Active · Financial services · KT postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BETWEEN STREETS GROUP LIMITED→ 15241751 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BIRCH INVESTMENT GROUP LIMITED→ 13095531 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BLUEFIELDS WEALTH LIMITED→ 10919416 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| BOUNDARY SECURITY LIMITED→ 13169926 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| BRAVA INVESTMENTS LIMITED→ 16542824 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CABOT FINANCE GROUP LIMITED→ 12602592 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CAITHNESS & CO LIMITED→ 01165590 · est 1974 · no financials extracted | — | — | — | — | 52y | — | — |
| CAMERON ADVISORY LIMITED→ 12928676 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CAPACITY INSIGHT LTD→ 13703183 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CAPEL ALLEY LIMITED→ 15133249 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CAPITAL RISK CONSULTANCY LTD→ 16318612 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CARBOVERSE GROUP HOLDINGS LTD→ 16537118 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2009-03-17
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
Capitol Square
4-6 Church Street
Epsom
Surrey
KT17 4NR
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-31
Last: 2026-03-17
Officers (2 active · 2 resigned)
HARVEY, Simon David→
Activedirector · ~47y · appointed 2009-03-17
View their other companies + combined net worth →
MCSWEEN, Khan→
Activedirector · ~41y · appointed 2025-08-01
View their other companies + combined net worth →
DAVIES, Paul Arnold→
Resigneddirector · ~54y · appointed 2009-03-17 · resigned 2025-08-01
LEE, John Andrew→
Resigneddirector · ~66y · appointed 2009-03-17 · resigned 2010-03-01
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Vertus Capital SPV1 Vertus Capital SPV1 Limited | A registered charge | — | 06/10/2020 | 22/08/2024 |
Recent filings (56 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-20
accounts-with-accounts-type-small
accounts · AA
2025-12-19
termination-director-company-with-name-termination-date
officers · TM01
2025-08-26
appoint-person-director-company-with-name-date
officers · AP01
2025-08-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-20
accounts-with-accounts-type-small
accounts · AA
2024-12-24
mortgage-satisfy-charge-full
mortgage · MR04
2024-08-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-09
change-person-director-company-with-change-date
officers · CH01
2024-04-08
accounts-with-accounts-type-small
accounts · AA
2023-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-21
accounts-with-accounts-type-small
accounts · AA
2022-11-09
accounts-with-accounts-type-small
accounts · AA
2022-04-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-29