B.A.G SERVICES (CHESHUNT) LIMITED
💤Zombieactive
08406279 · ltd · incorporated 2013-02-18
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2026
Net worth
£46.1k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 74/100 (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: Cash flow review and working-capital discipline. Cash down -72% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (78/100)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 (1 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
39 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £46,141
Cash draining
Cash down 72% YoY
Cash YoY
-72%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£20k
↓ 72% YoY
Net Worth
£46k
~ YoY
Current Assets
£50k
↓ 51% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2026-02-28 | 2025-02-28 |
|---|---|---|
| Total assets | £53.4k | £79.5k |
| Current assets | £49.5k | £100.5k |
| Cash | £20.5k | £72.3k |
| Debtors | £29.1k | £28.2k |
| Net assets | £46.1k | £46.1k |
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
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2026-04-23📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-04-09📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-03-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-02-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-02-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-02-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-01-31➖LEMBO, Giulio resigneddirector
- 2023-10-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-03-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-04-06📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-02-20📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-04-05📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-03-13📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-04-10📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2016-04-11📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-05📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-02-18🏢Company incorporatedAs B.A.G SERVICES (CHESHUNT) LIMITED
- 2013-02-18➕MURPHY, Ben appointeddirector
- 2013-02-18➕KAHAN, Barbara appointeddirector
- 2013-02-18➖KAHAN, Barbara resigneddirector
- 2013-02-18➕LEMBO, Giulio appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
58/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ben Murphy Individual · British · DOB 11/1974 · age 52 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
2 historic (ceased) PSCs
- Mr Giulio Lemboceased 31/01/2024· 25-50% shares · 25-50% voting
- Miss Andrea Antoniceased 23/06/2016· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · SG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A PLUS CAPITAL PARTNERS LTD→ 16501610 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALDBURY CAPITAL LIMITED→ 12031598 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AM PROTECTION LTD→ 17045471 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ARISTO (CATERING) LIMITED→ 00349233 · est 1939 · no financials extracted | — | — | — | — | 87y | — | — |
| AZUREBLU LIMITED→ 10913190 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| BLACK LAB NORTON LTD→ 08603957 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| BLUEFRIARS TRAINING AND CONSULTANCY LIMITED→ 10062793 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| CAPITALISE TRADING LTD→ 16635564 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CARBON FC (CAMBRIDGE) LTD→ 13203359 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CARTER HYTHE LIMITED→ 11986390 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CASA XFL LTD→ 09463245 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| CASTLE PAYROLL CONSULTING LIMITED→ 11379364 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2013-02-18
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
Belfry House
Bell Lane
Hertford
Hertfordshire
SG14 1BP
Filing status
Accounts
Next due: 2027-11-30
Last made up to: 2026-02-28
Confirmation statement
Next due: 2027-03-06
Last: 2026-02-20
Officers (1 active · 2 resigned)
Active
KAHAN, Barbara→
Resigneddirector · ~95y · appointed 2013-02-18 · resigned 2013-02-18
LEMBO, Giulio→
Resigneddirector · ~63y · appointed 2013-02-18 · resigned 2024-01-31
Click a director name to see their full track record across all companies.
Recent filings (39 total)
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-04-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-04-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-03-26
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-02-07
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-02-07
termination-director-company-with-name-termination-date
officers · TM01
2024-02-07
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-10-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-24
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-03-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-02-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-04-06
confirmation-statement-with-updates
confirmation-statement · CS01
2021-02-22