BETTER RETIREMENT LIMITED

🌳Matureactive
07457440 · ltd · incorporated 2010-12-01
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
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 71-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 71). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

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
Confirmed no charges registered
85
Directors & officers
6 officers (2 active, 6 linked, 4 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
45 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
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£0Dec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31

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
0
filings
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2025-09-03
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  2. 2024-08-28
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  3. 2023-09-06
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  4. 2022-11-29
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2022-09-05
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  6. 2021-09-27
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  7. 2021-03-24
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2021-03-24
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2021-03-23
    ➕
    BAYLISS, Stuart Philip appointed
    director
  10. 2021-03-23
    ➖
    WHITEHEAD, Simon Gregory Michael resigned
    director
  11. 2021-01-06
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  12. 2019-11-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2019-08-28
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  14. 2018-09-10
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  15. 2017-09-06
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  16. 2016-08-23
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  17. 2015-12-04
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  18. 2015-01-31
    ➕
    WHITEHEAD, Simon Gregory Michael appointed
    director
  19. 2015-01-01
    ➖
    EADON, Tim Charles resigned
    director
  20. 2013-12-01
    ➕
    EADON, Tim Charles appointed
    director
  21. 2012-10-15
    ➖
    WHITEHEAD, Simon Gregory Michael resigned
    director
  22. 2012-10-08
    ➕
    BETTER RETIREMENT GROUP LTD appointed
    corporate-director
  23. 2010-12-08
    ➖
    FUTTER, Alan James resigned
    secretary
  24. 2010-12-01
    🏢
    Company incorporated
    As BETTER RETIREMENT LIMITED
  25. 2010-12-01
    ➕
    FUTTER, Alan James appointed
    secretary
  26. 2010-12-01
    ➕
    WHITEHEAD, Simon Gregory Michael appointed
    director

Owner dependency

73/100
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.
  • +Founder age: Director aged approximately 71 — succession pressure is live.

Succession & seller-readiness

89/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 14 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Better Retirement Group Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Better Retirement Group Ltd
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
BETTER RETIREMENT LIMITED
This company · 07457440

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
Better Retirement Group Ltd
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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

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
Incorporated2010-12-01
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Spring Farm 4 Spring Close
Great Horwood
Milton Keynes
MK17 0QU
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-10
Last: 2025-10-27

Officers (2 active · 4 resigned)

BAYLISS, Stuart Philip→
director · ~71y · appointed 2021-03-23
View their other companies + combined net worth →
Active
BETTER RETIREMENT GROUP LTD→
corporate-director · appointed 2012-10-08
View their other companies + combined net worth →
Active
FUTTER, Alan James→
secretary · appointed 2010-12-01 · resigned 2010-12-08
Resigned
EADON, Tim Charles→
director · ~65y · appointed 2013-12-01 · resigned 2015-01-01
Resigned
WHITEHEAD, Simon Gregory Michael→
director · ~63y · appointed 2015-01-31 · resigned 2021-03-23
Resigned
WHITEHEAD, Simon Gregory Michael→
director · ~63y · appointed 2010-12-01 · resigned 2012-10-15
Resigned

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

Recent filings (45 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-27
accounts-with-accounts-type-dormant
accounts · AA
2025-09-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-04
accounts-with-accounts-type-dormant
accounts · AA
2024-08-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-13
accounts-with-accounts-type-dormant
accounts · AA
2023-09-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-07
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-11-29
accounts-with-accounts-type-dormant
accounts · AA
2022-09-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-07
accounts-with-accounts-type-dormant
accounts · AA
2021-09-27
termination-director-company-with-name-termination-date
officers · TM01
2021-03-24
appoint-person-director-company-with-name-date
officers · AP01
2021-03-24
accounts-with-accounts-type-dormant
accounts · AA
2021-01-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-03