BEECH FINANCIAL SOLUTIONS LIMITED

💤Zombieactive

07650790 · ltd · incorporated 2011-05-31

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.

Why now

Window steady · low confidence

Steady and stalled — no momentum either way. Needs an approach trigger.

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to May 2025

Net worth

£692.6k

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Other activities auxiliary to insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle with a 63-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 63). 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: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (76/100)

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

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 1 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

35 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £692,646

Cash YoY

+11%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£691k

↑ 11% YoY

Net Worth

£693k

↑ 11% YoY

Current Assets

£744k

↑ 12% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-05-31	2024-05-31
Total assets	£692.8k	£625.2k
Current assets	£743.8k	£665.5k
Cash	£690.7k	£621.0k
Debtors	£53.1k	£44.5k
Net assets	£692.6k	£625.1k

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

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (18 events)Click to expand

2025-12-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-02-04
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2018-01-10
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2017-08-14
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2017-08-14
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2017-03-16
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-06-10
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2016-02-09
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-06-02
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2011-05-31
🏢
Company incorporated
As BEECH FINANCIAL SOLUTIONS LIMITED
2011-05-31
➕
HEARN, Hana appointed
secretary
2011-05-31
➕
HEARN, Patrick Joseph Nieto appointed
director

Owner dependency

98/100

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

+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.
+Senior director age: Director aged approximately 63 — approaching natural succession window.
+No director turnover: Company is 15 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

88/100

Likely off-market candidate

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
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

clean

No 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 Patrick Joseph Nieto Hearn Individual · British · DOB 10/1963 · age 63	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016
Ms Hana Hearn Individual · Czech · DOB 07/1978 · age 48	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Financial services · TD postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BELLENDEAN LIMITED→ SC037568 · est 1962	£1.60M £1.17M–£2.04M	—	—	0	64y	76	57y
GWA ASSET MANAGEMENT LTD→ 13214974 · est 2021	£937.3k £681.7k–£1.19M	—	—	4	5y	81	63y
BERRYBURN FARMING COMPANY LIMITED→ 00831492 · est 1964	—	—	—	2	61y	82	65y
MAUNA HOLDINGS LIMITED→ SC170659 · est 1996 · no financials extracted	—	—	—	—	29y	82	71y
DEANS SECRETARIES LTD.→ SC287811 · est 2005	—	—	—	—	20y	81	62y
THE BUCCLEUCH ESTATES PENSION TRUSTEE COMPANY LIMITED→ SC220332 · est 2001	—	—	£0	—	25y	81	71y
AMI (ZIMBABWE) LTD.→ 03578384 · est 1998	—	—	—	100	28y	80	77y
CARLINGNOSE ASSOCIATES LIMITED→ SC318391 · est 2007	—	—	£1.04M	—	19y	80	72y
HMS FINANCIAL LIMITED→ SC399188 · est 2011	—	—	—	300	15y	80	66y
COMPANY FUNDING OPTIONS LIMITED→ 09313307 · est 2014	—	—	—	—	11y	79	67y
DIAMOND FINANCIAL SECURITY LTD→ SC412616 · est 2011	—	—	£108	—	14y	79	63y
RMCAF1 LTD→ 09512787 · est 2015 · no financials extracted	—	—	—	—	11y	79	63y

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

Incorporated2011-05-31

Jurisdictionengland-wales

Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

Valley House Milldown

Coldingham

Eyemouth

Berwickshire

TD14 5QD

Filing status

Accounts

Next due: 2027-02-28

Last made up to: 2025-05-31

Confirmation statement

Next due: 2027-07-01

Last: 2026-06-17

Officers (2 active · 0 resigned)

HEARN, Hana→

secretary · appointed 2011-05-31

View their other companies + combined net worth →

Active

HEARN, Patrick Joseph Nieto→

director · ~63y · appointed 2011-05-31

View their other companies + combined net worth →

Active

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