BML FINANCIAL SOLUTIONS LTD.

🌳Matureactive
07885540 · ltd · incorporated 2011-12-19
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
—
year to Mar 2025
Net worth
£130.7k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (79/100)

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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
37 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £130,668

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£131k
↑ 11% YoY
Current Assets
£285k
↑ 16% YoY
Current Liabilities
—
£0£57k£114k£171k£228k£285kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£130.7k£117.8k
Current assets£285.2k£245.6k
Net assets£130.7k£117.8k

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

Recent activity

Last 30 days
1
filing
  • • 1 confirmation-statement
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
  1. 2025-11-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-07-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-10-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-09-30
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2022-09-28
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2022-09-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2022-09-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2022-09-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2022-08-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2021-07-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2020-06-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2019-07-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2018-05-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2017-07-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2011-12-19
    🏢
    Company incorporated
    As BML FINANCIAL SOLUTIONS LTD.
  16. 2011-12-19
    ➕
    BOSWORTH, David Ian, Mr. appointed
    director
  17. 2011-12-19
    ➕
    PAGDEN, Andrew Stuart, Mr. appointed
    director
  18. 2011-12-19
    ➕
    RANU, Manjit Singh, Mr. appointed
    director

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

63/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 63. 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
David Bosworth
Individual · British · DOB 11/1966 · age 60
25–50%
—25-50% shares17/07/2016
Mr. Manjit Singh Ranu
Individual · British · DOB 07/1963 · age 63
25–50%
—25-50% shares17/07/2016
Mr. Andrew Stuart Pagden
Individual · British · DOB 01/1965 · age 61
25–50%
—25-50% shares17/07/2016

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 →
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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.

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Company details

Statusactive
Typeltd
Incorporated2011-12-19
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Sentinel House
Harvest Crescent
Fleet
GU51 2UZ
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-06-21
Last: 2026-06-07

Officers (3 active · 0 resigned)

BOSWORTH, David Ian, Mr.→
director · ~60y · appointed 2011-12-19
View their other companies + combined net worth →
Active
PAGDEN, Andrew Stuart, Mr.→
director · ~61y · appointed 2011-12-19
View their other companies + combined net worth →
Active
RANU, Manjit Singh, Mr.→
director · ~63y · appointed 2011-12-19
View their other companies + combined net worth →
Active

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

Recent filings (37 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-18
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-18
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-28
change-person-director-company-with-change-date
officers · CH01
2022-09-28
change-person-director-company-with-change-date
officers · CH01
2022-09-28
change-person-director-company-with-change-date
officers · CH01
2022-09-28
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-13
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-12