BRADNAM WEALTH MANAGEMENT (UK) LIMITED

🌳Matureactive
07470266 · ltd · incorporated 2010-12-15
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
—
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Turnover
—
year to Mar 2025
Net worth
£3.65M
book net assets
Opportunity
74/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66190Other activities auxiliary to financial services, except insurance and pension funding
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -59% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 2 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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
53 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
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
82
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £3,647,668
Cash draining
Cash down 59% YoY
Cash YoY
-59%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£22k
↓ 59% YoY
Net Worth
£3.6m
↑ 7.4% YoY
Current Assets
£3.6m
↑ 18% YoY
Current Liabilities
—
£0£730k£1.5m£2.2m£2.9m£3.6mMar 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
Total assets£3.68M£3.43M
Current assets£3.61M£3.06M
Cash£22.0k£53.4k
Debtors£3.59M£3.00M
Net assets£3.65M£3.40M

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
1
filing
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2026-03-29
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2026-01-12
    📍
    move-registers-to-sail-company-with-new-address
    address · AD03
  3. 2026-01-12
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  4. 2025-12-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-11-21
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2023-12-13
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2023-04-17
    📄
    capital-name-of-class-of-shares
    capital · SH08
  8. 2022-12-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2021-12-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2021-03-19
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2019-11-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-07-31
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2018-12-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-01-01
    📍
    move-registers-to-registered-office-company-with-new-address
    address · AD04
  15. 2018-01-01
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  16. 2018-01-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2017-01-06
    ➕
    BRADNAM, Sarah Juliette appointed
    director
  18. 2010-12-15
    🏢
    Company incorporated
    As BRADNAM WEALTH MANAGEMENT (UK) LIMITED
  19. 2010-12-15
    ➕
    BRADNAM, Gavin Keith appointed
    director

Owner dependency

96/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "BRADNAM" — strong identity link between founder and business.
  • +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.
  • +No director turnover: Company is 16 years old with no director changes — suggests a very tight-knit founder team never broadened.

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 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

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Sarah Juliette Bradnam
Individual · British · DOB 12/1979 · age 47
25–50%
—25-50% shares06/01/2017
Mr Gavin Keith Bradnam
Individual · British · DOB 04/1976 · age 50
25–50%
—25-50% shares06/04/2016

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

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
Incorporated2010-12-15
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Laurel House
11 St. Peters Road
Broadstairs
Kent
CT10 2AG
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-29
Last: 2025-12-15

Officers (2 active · 0 resigned)

BRADNAM, Gavin Keith→
director · ~50y · appointed 2010-12-15
View their other companies + combined net worth →
Active
BRADNAM, Sarah Juliette→
director · ~47y · appointed 2017-01-06
View their other companies + combined net worth →
Active

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

Recent filings (53 total)

change-person-director-company-with-change-date
officers · CH01
2026-03-29
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-12
move-registers-to-sail-company-with-new-address
address · AD03
2026-01-12
change-sail-address-company-with-old-address-new-address
address · AD02
2026-01-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-12-13
capital-name-of-class-of-shares
capital · SH08
2023-04-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-04
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-12-31
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-22
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-03-19