BEALS MORTGAGE AND FINANCIAL SERVICES LIMITED
🌳Matureactive
08286166 · ltd · incorporated 2012-11-08
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
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
- 66220Activities of insurance agents and brokers
- 66290Other activities auxiliary to insurance and pension funding
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 3 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
7 officers (4 active, 7 linked, 3 with DOB)
79
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
59 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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-28 | 2024-03-28 |
|---|---|---|
| Average employees | 34 | 2700 |
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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
- 2025-11-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-18📄resolutionresolution · RESOLUTIONS
- 2024-11-09📄memorandum-articlesincorporation · MA
- 2024-11-09📄resolutionresolution · RESOLUTIONS
- 2024-11-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-11-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-10-29➕VAN ROOY, Willem appointeddirector
- 2024-10-29📄capital-alter-shares-subdivisioncapital · SH02
- 2024-10-23📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-10-23📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-10-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-15➕PENFOLD, Sandra Louise appointedsecretary
- 2024-10-15➕BEAL, Anthony John appointedsecretary
- 2024-10-15➖BEAL, Anthony John resignedsecretary
- 2024-10-15➖PENFOLD, Sandra Louise resignedsecretary
- 2024-10-15📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-10-15📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-10-09📄capital-allotment-sharescapital · SH01
- 2024-10-04📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-09-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-12-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-13📄change-person-director-company-with-change-dateofficers · CH01
- 2022-04-01➖BEAL, Anthony resignedsecretary
- 2022-04-01➕PENFOLD, Sandra Louise appointedsecretary
- 2012-11-08🏢Company incorporatedAs BEALS MORTGAGE AND FINANCIAL SERVICES LIMITED
- 2012-11-08➕BEAL, Anthony John appointeddirector
- 2012-11-08➕JANES, Paul Alexis appointeddirector
- 2012-11-08➕BEAL, Anthony appointedsecretary
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder name in company name: Company name contains director surname "BEAL" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
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 64. Approaching typical UK retirement age — succession thinking likely.
- secondary12+ year tenure: Director in role 14 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
Quilter Financial Planning Limited holds 25-50% — a significant corporate investor but not a controlling parent.
🏛️significant stake
Quilter Financial Planning Limited
Corporate parent · holds 25-50% shares
⬇
BEALS MORTGAGE AND FINANCIAL SERVICES LIMITED
This company · 08286166
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Anthony John Beal Individual · British · DOB 04/1963 · age 63 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 06/04/2016 |
Quilter Financial Planning Limited Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 29/10/2024 |
1 historic (ceased) PSC
- Mr Paul Alexis Janesceased 28/01/2022· 25-50% shares
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 · PO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALTUNATMAZ JEWELLERY LIMITED→ 16692749 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ARGENTIS FINANCIAL PLANNING LTD→ 06744013 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ARTHUR WHEELER FINANCIAL SERVICES LTD→ 14619326 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ASHRIDGE FINANCE LIMITED→ 09572922 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ASTREA LIMITED→ 02504438 · est 1990 · no financials extracted | — | — | — | — | 35y | — | — |
| ASTUTE MORTGAGES LTD→ 12727722 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BALFOUR CORPORATE FINANCE LIMITED→ 04027155 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| BARNHAM BUSINESS SOLUTIONS LTD→ 09288889 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| BARRETT TRADING LTD→ 15756139 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BAXTER FINANCIAL SERVICES LTD→ 11620783 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BEAUBRIDGE (UK) LIMITED→ 08914960 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| BELLVILLE LIMITED→ 12832071 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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 →🔒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
Incorporated2012-11-08
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Unit 1 Fulcrum 2 Solent Way
Whiteley
Fareham
PO15 7FN
England
Filing status
Accounts
Next due: 2026-12-28
Last made up to: 2025-03-28
Confirmation statement
Next due: 2026-10-07
Last: 2025-09-23
Officers (4 active · 3 resigned)
PENFOLD, Sandra Louise→
Activesecretary · appointed 2024-10-15
View their other companies + combined net worth →
BEAL, Anthony John→
Activedirector · ~63y · appointed 2012-11-08
View their other companies + combined net worth →
JANES, Paul Alexis→
Activedirector · ~64y · appointed 2012-11-08
View their other companies + combined net worth →
VAN ROOY, Willem→
Activedirector · ~44y · appointed 2024-10-29
View their other companies + combined net worth →
BEAL, Anthony John→
Resignedsecretary · appointed 2024-10-15 · resigned 2024-10-15
BEAL, Anthony→
Resignedsecretary · appointed 2012-11-08 · resigned 2022-04-01
PENFOLD, Sandra Louise→
Resignedsecretary · appointed 2022-04-01 · resigned 2024-10-15
Click a director name to see their full track record across all companies.
Recent filings (59 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-21
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-07
resolution
resolution · RESOLUTIONS
2024-11-18
memorandum-articles
incorporation · MA
2024-11-09
resolution
resolution · RESOLUTIONS
2024-11-09
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-11-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-05
appoint-person-director-company-with-name-date
officers · AP01
2024-11-05
capital-alter-shares-subdivision
capital · SH02
2024-10-29
termination-secretary-company-with-name-termination-date
officers · TM02
2024-10-23
appoint-person-secretary-company-with-name-date
officers · AP03
2024-10-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-17
termination-secretary-company-with-name-termination-date
officers · TM02
2024-10-15
appoint-person-secretary-company-with-name-date
officers · AP03
2024-10-15
capital-allotment-shares
capital · SH01
2024-10-09