BRIDGEWOOD FINANCIAL SOLUTIONS LIMITED

💤Zombieactive
06957765 · ltd · incorporated 2009-07-09
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£-548.1k
book net assets
Opportunity
82/100
Exceptional
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 60). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -43% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 5.6y

30/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 5.6 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Distress signals active — lender appetite narrows.

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (1 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
57 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £548,076
Cash draining
Cash down 43% YoY
Cash YoY
-43%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£26k
↓ 43% YoY
Net Worth
-£548k
↓ 6.7% YoY
Current Assets
£643k
↑ 7.1% YoY
Current Liabilities
—
-£548k-£310k-£71k£167k£405k£643kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£-457.6k£-422.9k
Current assets£643.4k£600.8k
Cash£25.8k£45.3k
Debtors£617.6k£555.6k
Net assets£-548.1k£-513.5k

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
1
filing
  • • 1 confirmation-statement
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2026-03-12
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  2. 2026-03-12
    🔓
    Charge satisfied #1
  3. 2025-08-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-07-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2024-07-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-11-17
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  7. 2023-09-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-07-25
    📄
    memorandum-articles
    incorporation · MA
  9. 2023-07-25
    📄
    resolution
    resolution · RESOLUTIONS
  10. 2023-07-20
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  11. 2023-07-20
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  12. 2023-07-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2023-07-12
    🔒
    Charge registered #2
    Lender: Dsw Capital PLC
  14. 2022-09-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2022-04-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2021-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2021-01-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2020-12-31
    🔒
    Charge registered #1
    Lender: Barclays Security Trustee Limited
  19. 2020-12-17
    ➖
    FREESTONE, Louise resigned
    director
  20. 2020-12-17
    ➖
    MALLATRATT, Paul resigned
    director
  21. 2020-12-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  22. 2020-12-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  23. 2020-05-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2019-11-27
    ➕
    MALLATRATT, Paul appointed
    director
  25. 2018-09-06
    ➕
    FREESTONE, Louise appointed
    director
  26. 2009-11-02
    ➕
    TARLING, Robin Anthony Edward appointed
    director
  27. 2009-11-02
    ➖
    KEMP, Andrew resigned
    director
  28. 2009-07-09
    🏢
    Company incorporated
    As BRIDGEWOOD FINANCIAL SOLUTIONS LIMITED
  29. 2009-07-09
    ➕
    KEMP, Andrew appointed
    director

Owner dependency

93/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.

Succession & seller-readiness

78/100
Likely off-market candidate

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • 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.)

Group structure

Bridgewood Financial Services Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Bridgewood Financial Services Group Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
BRIDGEWOOD FINANCIAL SOLUTIONS LIMITED
This company · 06957765

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%
NameSharesVoting rightsNature of controlNotified
Bridgewood Financial Services Group Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control12/07/2023
1 historic (ceased) PSC
  • Mr Robin Anthony Edward Tarlingceased 12/07/2023· significant influence

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
Incorporated2009-07-09
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Cumberland House
35 Park Row
Nottingham
NG1 6EE
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-07-23
Last: 2026-07-09

Officers (1 active · 3 resigned)

TARLING, Robin Anthony Edward→
director · ~60y · appointed 2009-11-02
View their other companies + combined net worth →
Active
FREESTONE, Louise→
director · ~42y · appointed 2018-09-06 · resigned 2020-12-17
Resigned
KEMP, Andrew→
director · ~52y · appointed 2009-07-09 · resigned 2009-11-02
Resigned
MALLATRATT, Paul→
director · ~58y · appointed 2019-11-27 · resigned 2020-12-17
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Dsw Capital
Dsw Capital PLC
A registered charge—12/07/2023—
satisfied
Barclays
Barclays Security Trustee Limited
A registered charge—31/12/202012/03/2026
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (57 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-07-11
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-10
change-person-director-company-with-change-date
officers · CH01
2025-07-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-02
change-account-reference-date-company-current-extended
accounts · AA01
2023-11-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-11
memorandum-articles
incorporation · MA
2023-07-25
resolution
resolution · RESOLUTIONS
2023-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2023-07-20
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-07-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-13