BRIGHT STAR FINANCIAL LIMITED
💤Zombieactive
07462342 · ltd · incorporated 2010-12-07
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 Dec 2024
Net worth
£10.6k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 77/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 6.0y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)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, 4 with DOB)
83
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
67 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £10,563
Net assets shrinking
Down £212,054 YoY
Cash YoY
+99%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£449k
↑ 99% YoY
Net Worth
£11k
↓ 95% YoY
Current Assets
£934k
↑ 16% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £36.2k | £302.7k |
| Current assets | £933.9k | £805.5k |
| Cash | £449.4k | £226.1k |
| Debtors | £484.4k | £579.4k |
| Net assets | £10.6k | £222.6k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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
2
filings
- • 1 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2026-01-07📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-09-05📄accounts-with-accounts-type-groupaccounts · AA
- 2025-01-22📄capital-cancellation-sharescapital · SH06
- 2025-01-22📄capital-return-purchase-own-sharescapital · SH03
- 2024-05-07📄accounts-with-accounts-type-groupaccounts · AA
- 2024-02-28➕LLOYD-HAYWARD, William Albert appointedsecretary
- 2024-02-28➖ROBINSON, Paul James resignedsecretary
- 2024-02-28📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-02-28📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-07-24📄accounts-amended-with-accounts-type-smallaccounts · AAMD
- 2023-04-17📄accounts-with-accounts-type-smallaccounts · AA
- 2023-03-23📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-03-23📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-03-17📄capital-return-purchase-own-sharescapital · SH03
- 2023-03-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-03-10📄capital-cancellation-sharescapital · SH06
- 2023-03-09📄capital-allotment-sharescapital · SH01
- 2022-09-27📄accounts-with-accounts-type-smallaccounts · AA
- 2022-03-14📄capital-cancellation-sharescapital · SH06
- 2022-03-14📄capital-return-purchase-own-sharescapital · SH03
- 2021-12-19📄accounts-with-accounts-type-smallaccounts · AA
- 2020-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-04🔒Charge registered #1Lender: Hsbc UK Bank PLC
- 2015-07-14➕ROBINSON, Paul James appointedsecretary
- 2014-01-21➖MOORE, Bradley David resigneddirector
- 2012-12-31➖THOMPSON, Krisjen Peter resigneddirector
- 2011-01-19➖ROBINSON, Paul James resigneddirector
- 2011-01-13➕JUPP, Robert Paul appointeddirector
- 2011-01-13➕MOORE, Bradley David appointeddirector
- 2011-01-13➕THOMPSON, Krisjen Peter appointeddirector
- 2010-12-07🏢Company incorporatedAs BRIGHT STAR FINANCIAL LIMITED
- 2010-12-07➕ROBINSON, Paul James appointeddirector
Owner dependency
85/100
Critical — business is the founderThe 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 15 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
58/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 15 years.
- 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 |
|---|---|---|---|---|
Mr Peter Brodnicki Individual · British · DOB 05/1969 · age 57 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 09/02/2022 |
Mr Robert Paul Jupp Individual · British · DOB 07/1971 · age 55 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
1 historic (ceased) PSC
- Mrs Clare Louise Juppceased 09/02/2022· 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 · CM postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BEHUMAN.INVESTMENTS LTD→ 16586969 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BLACKSWANOBSIDIAN.INSURE LTD→ 16595503 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BROOM CONSULTANTS EOT LIMITED→ 14667877 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| BURBO LTD→ 16009038 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CAVENDISH INVESTMENTS LIMITED→ 01658089 · est 1982 · no financials extracted | — | — | — | — | 43y | — | — |
| CBC VENTURE SOLUTIONS LTD→ 16030692 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CHAMPION'S MORTGAGE SOLUTIONS LIMITED→ 11191721 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| CHARAN MANAGEMENT LIMITED→ 06881191 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| CHARLES MARK FINANCIAL LIMITED→ 10923925 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CHESTERFIELD FINANCE LIMITED→ 14444288 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CHEVRES LIMITED→ 08130485 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| CHURCHILL ROBINS LIMITED→ 09942816 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
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
Incorporated2010-12-07
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
7 Woodbrook Crescent
Billericay
Essex
CM12 0EQ
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-21
Last: 2025-12-07
Officers (2 active · 4 resigned)
LLOYD-HAYWARD, William Albert→
Activesecretary · appointed 2024-02-28
View their other companies + combined net worth →
JUPP, Robert Paul→
Activedirector · ~55y · appointed 2011-01-13
View their other companies + combined net worth →
ROBINSON, Paul James→
Resignedsecretary · appointed 2015-07-14 · resigned 2024-02-28
MOORE, Bradley David→
Resigneddirector · ~47y · appointed 2011-01-13 · resigned 2014-01-21
ROBINSON, Paul James→
Resigneddirector · ~71y · appointed 2010-12-07 · resigned 2011-01-19
THOMPSON, Krisjen Peter→
Resigneddirector · ~49y · appointed 2011-01-13 · resigned 2012-12-31
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 04/06/2020 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (67 total)
change-person-secretary-company-with-change-date
officers · CH03
2026-01-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-16
accounts-with-accounts-type-group
accounts · AA
2025-09-05
capital-cancellation-shares
capital · SH06
2025-01-22
capital-return-purchase-own-shares
capital · SH03
2025-01-22
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-20
accounts-with-accounts-type-group
accounts · AA
2024-05-07
appoint-person-secretary-company-with-name-date
officers · AP03
2024-02-28
termination-secretary-company-with-name-termination-date
officers · TM02
2024-02-28
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-07
accounts-amended-with-accounts-type-small
accounts · AAMD
2023-07-24
accounts-with-accounts-type-small
accounts · AA
2023-04-17
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-03-23
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-03-23
capital-return-purchase-own-shares
capital · SH03
2023-03-17