BFL LIMITED
🌳Matureactive
07110353 · ltd · incorporated 2009-12-22
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
—
not disclosed
Net worth
—
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 76/100 (strong), bankability 75/100. 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).
Data confidence
Overall: medium (59/100)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
Confirmed no charges registered
85
Directors & officers
3 officers (2 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
62 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
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
90
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-04-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-04-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-07📄accounts-with-accounts-type-smallaccounts · AA
- 2023-04-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-28📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2023-01-09📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-12-20➖OAKWOOD CORPORATE SECRETARY LIMITED resignedcorporate-secretary
- 2022-03-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-23📄change-person-director-company-with-change-dateofficers · CH01
- 2021-11-23📄change-person-director-company-with-change-dateofficers · CH01
- 2021-11-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-11-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-09-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-06-17📄resolutionresolution · RESOLUTIONS
- 2021-05-26📄memorandum-articlesincorporation · MA
- 2021-05-26📄resolutionresolution · RESOLUTIONS
- 2021-04-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-11-30➕FARRAR, Emily Linda appointeddirector
- 2020-11-03📄resolutionresolution · RESOLUTIONS
- 2020-11-03📄memorandum-articlesincorporation · MA
- 2017-12-20➕OAKWOOD CORPORATE SECRETARY LIMITED appointedcorporate-secretary
- 2009-12-22🏢Company incorporatedAs BFL LIMITED
- 2009-12-22➕FARRAR, Benjamin George Richard appointeddirector
Owner dependency
76/100
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 16 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
59/100
Strong succession signalMultiple 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 16 years.
- secondaryStable-but-static management: Company is 16 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Benjamin George Richard Farrar Individual · British · DOB 04/1975 · age 51 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 06/04/2016 |
Emily Linda Farrar Individual · British · DOB 10/1974 · age 52 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 04/04/2020 |
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
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|---|---|---|---|---|---|---|---|
| ALEXANDER FINANCIAL SOLUTIONS LTD→ 11365305 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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| ARSHAD HOLDINGS LIMITED→ 16747741 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BEF (LONDON) LTD→ 15991707 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BEF NPIF 2 YH LTD→ 15417617 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| BEF(NW) LTD→ 15992353 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BH WEALTH MANAGEMENT LTD→ 17014233 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BRIGHTMINDS HR LTD→ 16868645 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BUSH INSURANCE SOLUTIONS LTD→ 09022855 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| C.R.E.A.M CAPITAL LIMITED→ 14766699 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CAESAR FINANCIAL SOLUTIONS LIMITED→ 14392156 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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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
Incorporated2009-12-22
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
Suite G3 Birkbeck
Water Street
Skipton
BD23 1PB
United Kingdom
Filing status
Accounts
Next due: 2026-12-27
Last made up to: 2025-03-27
Confirmation statement
Next due: 2027-01-05
Last: 2025-12-22
Officers (2 active · 1 resigned)
FARRAR, Benjamin George Richard→
Activedirector · ~51y · appointed 2009-12-22
View their other companies + combined net worth →
FARRAR, Emily Linda→
Activedirector · ~52y · appointed 2020-11-30
View their other companies + combined net worth →
OAKWOOD CORPORATE SECRETARY LIMITED→
Resignedcorporate-secretary · appointed 2017-12-20 · resigned 2022-12-20
Click a director name to see their full track record across all companies.
Recent filings (62 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-03
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-22
accounts-with-accounts-type-small
accounts · AA
2024-06-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-02
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-15
change-account-reference-date-company-current-shortened
accounts · AA01
2023-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-09
termination-secretary-company-with-name-termination-date
officers · TM02
2023-01-09
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-24
change-person-director-company-with-change-date
officers · CH01
2021-11-23
change-person-director-company-with-change-date
officers · CH01
2021-11-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-11-23