FINANCE WESTCOUNTRY LIMITED
Opportunity 73/100 (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: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £28.6k | £34.4k |
| Current assets | £41.7k | £52.2k |
| Cash | £2.3k | £2.3k |
| Debtors | £39.4k | £49.9k |
| Net assets | £7.0k | £7.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 2 address
- • 1 confirmation-statement
Corporate timeline (22 events)Click to expand
- 2026-01-26📍default-companies-house-service-address-applied-officeraddress · RP09
- 2026-01-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-07📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-02-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-08-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-07-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-08-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-08-08📄change-person-director-company-with-change-dateofficers · CH01
- 2017-07-25📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2013-05-01➕BECK, Steven appointeddirector
- 2013-05-01➖PLATT, Jane Ann resigneddirector
- 2013-05-01➖PLATT, Jane Ann resigneddirector
- 2012-10-23🏢Company incorporatedAs FINANCE WESTCOUNTRY LIMITED
- 2012-10-23➕PLATT, Jane Ann appointeddirector
- 2012-10-23➕PLATT, Jane Ann appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Steven John Beck Individual · British · DOB 06/1970 · age 56 | 75–100% | — | 75-100% shares | 18/07/2020 |
1 historic (ceased) PSC
- Mrs Marie Katherine Hammettceased 18/07/2020· 75-100% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| BOWBEER LIMITED→ 07831118 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
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| DEVON DIRECT INSURANCE SERVICES LIMITED→ 05037934 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| DUKE CAPITAL LIMITED→ 12889402 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ENABLE INSURANCE SERVICES LIMITED→ 09372700 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| EPIEIKES LTD→ 16426559 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| EQUITY RELEASE SOUTH WEST LTD→ 10871391 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| FINANCE 4 EVERYTHING LIMITED→ 16491744 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| FITCH FINANCIAL ASSOCIATES LIMITED→ 08655808 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| FOOTHOLD FINANCE LTD→ 12567516 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FORDER ESTATES LIMITED→ 13100815 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FOUR STAGES FINANCE LIMITED→ 07306487 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
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 →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
Registered office
Filing status
Officers (1 active · 2 resigned)
Click a director name to see their full track record across all companies.