BISHOP MORTGAGES LIMITED

🌳Matureactive
08557683 · ltd · incorporated 2013-06-05
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 May 2025
Net worth
£58.9k
book net assets
Opportunity
71/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 71/100 (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 -38% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
6 officers (2 active, 6 linked, 6 with DOB)
90
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
41 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
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
77
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 £58,916
Cash YoY
-38%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£17k
↓ 38% YoY
Net Worth
£59k
↑ 251% YoY
Current Assets
£17k
↓ 38% YoY
Current Liabilities
—
£0£12k£24k£35k£47k£59kMay 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-05-312024-05-31
Total assets£59.4k£17.3k
Current assets£17.2k£27.6k
Cash£17.0k£27.4k
Debtors£225£207
Net assets£58.9k£16.8k

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
2
filings
  • • 1 address
  • • 1 change-of-name
Last 180 days
2
filings
  • • 1 address
  • • 1 change-of-name
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2026-06-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2026-05-05
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  3. 2026-01-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-11-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-01-17
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2022-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-01-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-04-29
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2021-03-30
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2021-03-30
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2021-03-26
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  13. 2021-03-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2021-03-26
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  15. 2021-03-26
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  16. 2021-03-26
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  17. 2021-03-12
    ➕
    DAVIES-BOWLER, Julie Susan appointed
    director
  18. 2021-03-12
    ➕
    DAVIES-BOWLER, Stacey John appointed
    director
  19. 2021-03-12
    ➖
    BEAN, Paul resigned
    director
  20. 2021-03-12
    ➖
    ORTON, Mandy Jane resigned
    director
  21. 2021-02-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  22. 2019-07-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  23. 2014-08-22
    ➖
    ARMITAGE, Mavis resigned
    director
  24. 2013-07-16
    ➖
    ARMITAGE, Brian resigned
    director
  25. 2013-06-05
    🏢
    Company incorporated
    As BISHOP MORTGAGES LIMITED
  26. 2013-06-05
    ➕
    ARMITAGE, Brian appointed
    director
  27. 2013-06-05
    ➕
    ARMITAGE, Mavis appointed
    director
  28. 2013-06-05
    ➕
    BEAN, Paul appointed
    director
  29. 2013-06-05
    ➕
    ORTON, Mandy Jane appointed
    director

Owner dependency

66/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 med ·
Name changed recently
medium

Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.

Evidence: 2026-05-05: certificate-change-of-name-company

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Julie Susan Davies-Bowler
Individual · British · DOB 03/1976 · age 50
25–50%
25–50%board control25-50% shares · 25-50% voting · board control12/03/2021
Mr Stacey John Davies-Bowler
Individual · British · DOB 03/1972 · age 54
25–50%
25–50%board control25-50% shares · 25-50% voting · board control12/03/2021
2 historic (ceased) PSCs
  • Mr Paul Beanceased 12/03/2021· 25-50% shares · 25-50% voting · board control
  • Miss Mandy Jane Ortonceased 12/03/2021· 25-50% shares · 25-50% voting · board control

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 →
🔒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
Incorporated2013-06-05
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

21a Market Street
Clay Cross
Chesterfield
Derbyshire
S45 9JE
United Kingdom

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-01-27
Last: 2026-01-13

Officers (2 active · 4 resigned)

DAVIES-BOWLER, Julie Susan→
director · ~50y · appointed 2021-03-12
View their other companies + combined net worth →
Active
DAVIES-BOWLER, Stacey John→
director · ~54y · appointed 2021-03-12
View their other companies + combined net worth →
Active
ARMITAGE, Brian→
director · ~78y · appointed 2013-06-05 · resigned 2013-07-16
Resigned
ARMITAGE, Mavis→
director · ~78y · appointed 2013-06-05 · resigned 2014-08-22
Resigned
BEAN, Paul→
director · ~65y · appointed 2013-06-05 · resigned 2021-03-12
Resigned
ORTON, Mandy Jane→
director · ~67y · appointed 2013-06-05 · resigned 2021-03-12
Resigned

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

Recent filings (41 total)

change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-06-02
certificate-change-of-name-company
change-of-name · CERTNM
2026-05-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-20
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-21
appoint-person-director-company-with-name-date
officers · AP01
2021-04-29
termination-director-company-with-name-termination-date
officers · TM01
2021-03-30