BCS ASSETS LTD

🌳Matureactive
07629686 · ltd · incorporated 2011-05-11
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 14.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
—
book net assets
Opportunity
77/100
Strong
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 77/100 (strong), bankability 85/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

9 live charges · oldest 14.7y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 14.7 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (83/100)

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
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
55 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
80
Strong succession / seller-readiness signals.
Risk profile
69
Some moderate concerns — review flags.
Signal strength
100
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£0May 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-05-312024-05-31
Average employees3300

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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
3
filings
  • • 2 change-of-name
  • • 1 confirmation-statement
Last 180 days
3
filings
  • • 2 change-of-name
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
  1. 2026-05-15
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  2. 2026-05-13
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  3. 2025-12-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-02-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-02-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2023-02-21
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2023-02-17
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2023-02-08
    ➕
    STEWART, Ben Cameron appointed
    director
  9. 2022-02-28
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2021-02-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2019-12-18
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2019-02-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2018-02-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2017-02-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-06-06
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2016-02-25
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2015-06-01
    🔓
    Charge satisfied #9
  18. 2015-06-01
    🔓
    Charge satisfied #8
  19. 2015-06-01
    🔓
    Charge satisfied #7
  20. 2015-06-01
    🔓
    Charge satisfied #6
  21. 2015-06-01
    🔓
    Charge satisfied #5
  22. 2015-06-01
    🔓
    Charge satisfied #4
  23. 2015-06-01
    🔓
    Charge satisfied #3
  24. 2015-06-01
    🔓
    Charge satisfied #2
  25. 2015-06-01
    🔓
    Charge satisfied #1
  26. 2012-07-03
    🔒
    Charge registered #9
    Lender: Svenska Handelsbanken Ab (Publ)
  27. 2012-02-17
    🔒
    Charge registered #8
    Lender: Svenska Handelsbanken Ab (Publ)
  28. 2012-02-17
    🔒
    Charge registered #7
    Lender: Svenska Handelsbanken Ab (Publ)
  29. 2012-02-17
    🔒
    Charge registered #6
    Lender: Svenska Handelsbanken Ab (Publ)
  30. 2012-02-17
    🔒
    Charge registered #5
    Lender: Svenska Handelsbanken Ab (Publ)
  31. 2012-02-17
    🔒
    Charge registered #4
    Lender: Svenska Handelsbanken Ab (Publ)
  32. 2012-02-17
    🔒
    Charge registered #3
    Lender: Svenska Handelsbanken Ab (Publ)
  33. 2012-02-17
    🔒
    Charge registered #2
    Lender: Svenska Handelsbanken Ab (Publ)
  34. 2011-11-03
    🔒
    Charge registered #1
    Lender: Svenska Handelsbanken Ab (Publ)
  35. 2011-05-11
    🏢
    Company incorporated
    As BCS ASSETS LTD
  36. 2011-05-11
    ➕
    STEWART, Philip Clifford appointed
    secretary
  37. 2011-05-11
    ➕
    STEWART, Heidi Karen appointed
    director
  38. 2011-05-11
    ➕
    STEWART, Philip Clifford appointed
    director

Owner dependency

83/100
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
  • +Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 69 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

33/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — STEWART, Ben Cameron (same surname) appointed 2023-02-08. Pattern consistent with intra-family handover.
  • primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
  • secondary12+ year tenure: Director in role 15 years.
  • secondaryStable-but-static management: Company is 15 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

2 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Name changed 2 times
medium

Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.

Evidence: 2026-05-15: certificate-change-of-name-company; 2026-05-13: certificate-change-of-name-company

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Ben Cameron Stewart
Individual · British · DOB 11/2001 · age 25
75–100%
—75-100% shares09/05/2016

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
Incorporated2011-05-11
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

8a London Road
Alderley Edge
Cheshire
SK9 7JS

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-05-25
Last: 2026-05-11

Officers (4 active · 0 resigned)

STEWART, Philip Clifford→
secretary · appointed 2011-05-11
View their other companies + combined net worth →
Active
STEWART, Ben Cameron→
director · ~25y · appointed 2023-02-08
View their other companies + combined net worth →
Active
STEWART, Heidi Karen→
director · ~61y · appointed 2011-05-11
View their other companies + combined net worth →
Active
STEWART, Philip Clifford→
director · ~69y · appointed 2011-05-11
View their other companies + combined net worth →
Active

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

Mortgages & charges

9
Total charges
0
Outstanding
0
Active lenders
Status:Lender:9 of 9 shown
TypeProperties
satisfied
Svenska Handelsbanken Ab (Publ)
Legal mortgage1 property03/07/201201/06/2015
satisfied
Svenska Handelsbanken Ab (Publ)
Deed of legal mortgage2 properties17/02/201201/06/2015
satisfied
Svenska Handelsbanken Ab (Publ)
Deed of legal mortgage2 properties17/02/201201/06/2015
satisfied
Svenska Handelsbanken Ab (Publ)
Deed of legal mortgage2 properties17/02/201201/06/2015
satisfied
Svenska Handelsbanken Ab (Publ)
Deed of legal mortgage2 properties17/02/201201/06/2015
satisfied
Svenska Handelsbanken Ab (Publ)
Deed of legal mortgage2 properties17/02/201201/06/2015
satisfied
Svenska Handelsbanken Ab (Publ)
Deed of legal mortgage2 properties17/02/201201/06/2015
satisfied
Svenska Handelsbanken Ab (Publ)
Deed of legal mortgage2 properties17/02/201201/06/2015
satisfied
Svenska Handelsbanken Ab (Publ)
Mortgage debenture1 property03/11/201101/06/2015

Recent filings (55 total)

certificate-change-of-name-company
change-of-name · CERTNM
2026-05-15
certificate-change-of-name-company
change-of-name · CERTNM
2026-05-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-22
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-02-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-24
appoint-person-director-company-with-name-date
officers · AP01
2023-02-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-02-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-24
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-25
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-02-23