BULL FERGUSON LIMITED

🌳Matureactive
07098485 · ltd · incorporated 2009-12-08
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 11.5y 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
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pursue
Strong 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 11.5y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 11.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (81/100)

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
6 officers (2 active, 6 linked, 6 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
57 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 accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees101300

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

🔒Filing-note intelligence

3 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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2025-12-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-02-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2024-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-12-05
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  6. 2023-11-29
    ➖
    GEIB, Maristela resigned
    director
  7. 2023-01-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2022-07-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2022-07-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2022-07-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2022-07-05
    ➕
    GEIB, Maristela appointed
    director
  12. 2022-07-05
    ➖
    GEIB, Paul Desmond resigned
    director
  13. 2022-07-05
    ➖
    GEIB, Sharon Patricia resigned
    director
  14. 2022-04-08
    ➖
    GEIB, Maristella resigned
    director
  15. 2022-04-08
    ➕
    GEIB, Paul Desmond appointed
    director
  16. 2022-04-08
    ➕
    GEIB, Sharon Patricia appointed
    director
  17. 2022-04-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2022-04-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2022-04-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  20. 2021-11-18
    ➕
    GEIB, Maristella appointed
    director
  21. 2021-11-18
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  22. 2021-11-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  23. 2020-12-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  24. 2019-12-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  25. 2019-02-14
    🔓
    Charge satisfied #1
  26. 2015-01-12
    🔒
    Charge registered #1
    Lender: Openwork Limited
  27. 2011-05-03
    ➕
    GEIB, Barnaby Paul appointed
    director
  28. 2009-12-08
    🏢
    Company incorporated
    As BULL FERGUSON LIMITED
  29. 2009-12-08
    ➕
    GRAFTON, Alan Campbell appointed
    director

Owner dependency

68/100
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.

Succession & seller-readiness

59/100
Strong succession signal

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

SIGNALS
  • 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
NameSharesVoting rightsNature of controlNotified
Mr Alan Campbell Grafton
Individual · British · DOB 01/1975 · age 51
25–50%
—25-50% shares01/07/2016

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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2009-12-08
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

Suite E, Quayside House
Chatham Maritime
Chatham
ME4 4QZ
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-28
Last: 2025-12-14

Officers (2 active · 4 resigned)

GEIB, Barnaby Paul→
director · ~51y · appointed 2011-05-03
View their other companies + combined net worth →
Active
GRAFTON, Alan Campbell→
director · ~51y · appointed 2009-12-08
View their other companies + combined net worth →
Active
GEIB, Maristela→
director · ~50y · appointed 2022-07-05 · resigned 2023-11-29
Resigned
GEIB, Maristella→
director · ~50y · appointed 2021-11-18 · resigned 2022-04-08
Resigned
GEIB, Paul Desmond→
director · ~80y · appointed 2022-04-08 · resigned 2022-07-05
Resigned
GEIB, Sharon Patricia→
director · ~75y · appointed 2022-04-08 · resigned 2022-07-05
Resigned

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
TypeProperties
satisfied
Openwork
Openwork Limited
A registered charge—12/01/201514/02/2019

Recent filings (57 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-02-05
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-17
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-15
termination-director-company-with-name-termination-date
officers · TM01
2023-12-05
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-21
appoint-person-director-company-with-name-date
officers · AP01
2022-07-06
termination-director-company-with-name-termination-date
officers · TM01
2022-07-06
termination-director-company-with-name-termination-date
officers · TM01
2022-07-06
appoint-person-director-company-with-name-date
officers · AP01
2022-04-08
appoint-person-director-company-with-name-date
officers · AP01
2022-04-08