BCJ FINANCIAL PLANNING LTD
🌳Matureactive
07354243 · ltd · incorporated 2010-08-24
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
—
not disclosed
Net worth
—
book net assets
Opportunity
81/100
Exceptional
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueActive trading company with a 75-year-old founder — textbook succession opportunity.
Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 75). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (57/100)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 (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
3 active PSC(s) of 5 total, 5 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
54 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Last 180 days
3
filings
- • 2 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2026-03-12📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-12-18📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-11-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-05-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-24📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-03-25📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-07-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-28📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-03-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-02-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-02-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-02-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-02-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-01-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-01-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2021-01-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC03
- 2020-06-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2010-08-24🏢Company incorporatedAs BCJ FINANCIAL PLANNING LTD
- 2010-08-24➕BOWEN, Philip appointeddirector
- 2010-08-24➕CHAMBERS, Shaun Graham appointeddirector
- 2010-08-24➕JONES, Derrick Richard appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 75 — succession pressure is live.
Succession & seller-readiness
83/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
- 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
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Derrick Richard Jones Individual · British · DOB 06/1951 · age 75 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 02/02/2021 |
Mr Shaun Graham Chambers Individual · British · DOB 07/1971 · age 55 | 25–50% | 25–50% | 25-50% shares · 25-50% voting · firm interest | 02/02/2021 |
Mr Philip Bowen Individual · British · DOB 10/1954 · age 72 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
2 historic (ceased) PSCs
- Shaun Chambersceased 02/02/2021· 25-50% shares · 25-50% voting
- Derrick Jonesceased 02/02/2021· 25-50% shares · 25-50% voting
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 · RH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ANTHRACITES PROPERTIES LIMITED→ 15404045 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| APEX-INS CONSULTANTS LIMITED→ 16051146 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ASSEMBLY PAYMENTS UK LTD→ 12948924 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ASSET FINANCING LIMITED→ 02663836 · est 1991 · no financials extracted | — | — | — | — | 34y | — | — |
| ASSET LOANS & LEASING FINANCE LTD→ 16818502 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AVALON OPTIONS LIMITED→ 07574766 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| B & R MANAGEMENT LIMITED→ 02486351 · est 1990 · no financials extracted | — | — | — | — | 36y | — | — |
| B FINANCIAL LIMITED→ 11073299 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| BAKER'S STORES,LIMITED→ 00231844 · est 1928 · no financials extracted | — | — | — | — | 97y | — | — |
| BARNETT-BROTHERS LTD→ 13086553 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BEACONVIEW LIMITED→ 12877786 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BEARA GROUP→ 16465556 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2010-08-24
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
The Old Granary Byfleets Lane
Broadbridge Heath
Horsham
RH12 3PB
England
Filing status
Accounts
Next due: 2026-06-12
Last made up to: 2024-03-26
Confirmation statement
Next due: 2027-04-06
Last: 2026-03-23
Officers (3 active · 0 resigned)
BOWEN, Philip→
Activedirector · ~72y · appointed 2010-08-24
View their other companies + combined net worth →
CHAMBERS, Shaun Graham→
Activedirector · ~55y · appointed 2010-08-24
View their other companies + combined net worth →
JONES, Derrick Richard→
Activedirector · ~75y · appointed 2010-08-24
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (54 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-02
change-account-reference-date-company-previous-shortened
accounts · AA01
2026-03-12
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-12-18
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-11-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-01
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-01
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-28
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-06-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-25
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-03-25
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-03
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-03-28
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-23
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-26
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-27