BIRCHWOOD MORTGAGES LIMITED
🌳Matureactive
07716971 · ltd · incorporated 2011-07-25
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
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueActive trading company with a 65-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (58/100)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
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
8 officers (4 active, 8 linked, 4 with DOB)
80
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
42 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.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2026-04-03📄accounts-with-accounts-type-smallaccounts · AA
- 2025-12-09📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-13📄accounts-with-accounts-type-smallaccounts · AA
- 2023-11-16📄accounts-with-accounts-type-fullaccounts · AA
- 2023-01-16📄change-person-director-company-with-change-dateofficers · CH01
- 2022-11-16📄accounts-with-accounts-type-fullaccounts · AA
- 2021-10-26📄accounts-with-accounts-type-fullaccounts · AA
- 2021-10-08📄change-person-director-company-with-change-dateofficers · CH01
- 2021-07-05➕CLOUGH, Kathryn Elizabeth appointedsecretary
- 2021-07-05➖BICKERTON, Susan Catherine resignedsecretary
- 2021-07-05📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2021-07-05📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2020-12-01📄accounts-with-accounts-type-fullaccounts · AA
- 2020-06-24➕BICKERTON, Susan Catherine appointedsecretary
- 2020-06-24➖CLOUGH, Kathryn Elizabeth resignedsecretary
- 2020-06-24📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2020-06-24📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2019-10-12📄accounts-with-accounts-type-fullaccounts · AA
- 2018-10-15📄accounts-with-accounts-type-fullaccounts · AA
- 2018-02-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-01-29➕DERBYSHIRE, Philip John appointeddirector
- 2017-11-13📄accounts-with-accounts-type-fullaccounts · AA
- 2015-03-01➕BICKERTON, Susan Catherine appointeddirector
- 2015-03-01➕CLOUGH, Kathryn Elizabeth appointedsecretary
- 2015-03-01➖MARSH, Steven Robert resignedsecretary
- 2015-03-01➖NIGHTINGALE, Barry Graham Kirk resigneddirector
- 2011-07-25🏢Company incorporatedAs BIRCHWOOD MORTGAGES LIMITED
- 2011-07-25➕MARSH, Steven Robert appointeddirector
- 2011-07-25➕MARSH, Steven Robert appointedsecretary
- 2011-07-25➕NIGHTINGALE, Barry Graham Kirk appointeddirector
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
63/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- 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.)
Group structure
Goldentree Financial Services Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Goldentree Financial Services Plc
Corporate parent · holds 75-100% shares
⬇
BIRCHWOOD MORTGAGES LIMITED
This company · 07716971
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Goldentree Financial Services Plc Corporate entity | 75–100% | — | 75-100% shares | 06/04/2016 |
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 →Similar companies
Active · Financial services · WA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| B & S FINANCIAL MANAGEMENT LIMITED→ 02044622 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
| B.S. PENSION FUND TRUSTEE LIMITED→ 00171830 · est 1920 · no financials extracted | — | — | — | — | 105y | — | — |
| BESPOKE FINANCIAL (NORTH WEST) LIMITED→ 09229631 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| BESPOKE FUNDING SOLUTIONS LIMITED→ 11534444 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BH FINANCIAL SERVICES LTD→ 09788679 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| BIRTWISTLE PROPERTIES LTD→ 11711272 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BITTREX GLOBAL (UK) LIMITED→ 14201661 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BLOOM INSURANCE SERVICES LIMITED→ 11271449 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BLUECROFT BROKERS LIMITED→ 11942202 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| BLUECROFT FINANCE SUBCO 1 LIMITED→ 16004280 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BLUECROFT FINANCE SUBCO 2 LIMITED→ 16004330 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BLUECROFT FINANCE SUBCO 3 LIMITED→ 16109409 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2011-07-25
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
The Spectrum 56-58 Benson Road
Birchwood
Warrington
Cheshire
WA3 7PQ
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-08-08
Last: 2025-07-25
Officers (4 active · 4 resigned)
CLOUGH, Kathryn Elizabeth→
Activesecretary · appointed 2021-07-05
View their other companies + combined net worth →
BICKERTON, Susan Catherine→
Activedirector · ~63y · appointed 2015-03-01
View their other companies + combined net worth →
DERBYSHIRE, Philip John→
Activedirector · ~43y · appointed 2018-01-29
View their other companies + combined net worth →
MARSH, Steven Robert→
Activedirector · ~65y · appointed 2011-07-25
View their other companies + combined net worth →
BICKERTON, Susan Catherine→
Resignedsecretary · appointed 2020-06-24 · resigned 2021-07-05
CLOUGH, Kathryn Elizabeth→
Resignedsecretary · appointed 2015-03-01 · resigned 2020-06-24
MARSH, Steven Robert→
Resignedsecretary · appointed 2011-07-25 · resigned 2015-03-01
NIGHTINGALE, Barry Graham Kirk→
Resigneddirector · ~65y · appointed 2011-07-25 · resigned 2015-03-01
Click a director name to see their full track record across all companies.
Recent filings (42 total)
accounts-with-accounts-type-small
accounts · AA
2026-04-03
change-person-director-company-with-change-date
officers · CH01
2025-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-01
accounts-with-accounts-type-small
accounts · AA
2024-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-01
accounts-with-accounts-type-full
accounts · AA
2023-11-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-28
change-person-director-company-with-change-date
officers · CH01
2023-01-16
accounts-with-accounts-type-full
accounts · AA
2022-11-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-27
accounts-with-accounts-type-full
accounts · AA
2021-10-26
change-person-director-company-with-change-date
officers · CH01
2021-10-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-28
appoint-person-secretary-company-with-name-date
officers · AP03
2021-07-05
termination-secretary-company-with-name-termination-date
officers · TM02
2021-07-05