APEX BRIDGING LOANS LIMITED

🌳Matureactive
08725076 · ltd · incorporated 2013-10-09
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 6.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£131.1k
book net assets
Opportunity
77/100
Strong
🔔
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What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 60-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (60/100, director aged 60). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

4 live charges · 2 lenders · oldest 6.1y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 6.1 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (83/100)

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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 7 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £131,119
Very low cash
Cash position: £92

Key financials

2 years extracted from filed iXBRL accounts
Cash
£92
Net Worth
£131k
↑ 13111800% YoY
Current Assets
£564k
↑ 56355800% YoY
Current Liabilities
—
£0£113k£225k£338k£451k£564kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£131.1k£1
Current assets£563.6k£1
Cash£92—
Debtors£563.5k£1
Net assets£131.1k£1

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (39 events)Click to expand
  1. 2025-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-06-04
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  3. 2024-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-07-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2024-07-03
    🔓
    Charge satisfied #4
  6. 2023-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-06-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2023-06-15
    🔒
    Charge registered #4
    Lender: Middleton Enterprises (2) Limited
  9. 2023-05-26
    ➕
    ELLIOT, Michael David appointed
    director
  10. 2023-05-26
    ➕
    HODGKINSON, Christopher appointed
    director
  11. 2023-05-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2023-05-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2023-04-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  14. 2023-04-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  15. 2023-04-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  16. 2023-04-26
    🔓
    Charge satisfied #3
  17. 2023-04-26
    🔓
    Charge satisfied #2
  18. 2023-04-26
    🔓
    Charge satisfied #1
  19. 2022-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2022-09-29
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  21. 2022-09-28
    ➖
    SHORTLAND, Sonia Lorraine resigned
    director
  22. 2022-09-15
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  23. 2022-07-29
    ➖
    WOODMAN, Nicola Jane resigned
    director
  24. 2021-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  25. 2021-03-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  26. 2021-03-15
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  27. 2021-03-15
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  28. 2021-03-11
    ➖
    ELLIOT, Michael David resigned
    director
  29. 2021-03-11
    ➕
    WOODMAN, Nicola Jane appointed
    director
  30. 2020-11-04
    📄
    change-person-director-company-with-change-date
    officers · CH01
  31. 2020-03-25
    🔒
    Charge registered #3
    Lender: Cip Nominees Limited
  32. 2020-03-25
    🔒
    Charge registered #2
    Lender: Cip Nominees Limited
  33. 2020-03-25
    🔒
    Charge registered #1
    Lender: Cip Nominees Limited
  34. 2019-10-01
    ➕
    ELLIOT, Michael David appointed
    director
  35. 2019-10-01
    ➕
    SHORTLAND, Sonia Lorraine appointed
    director
  36. 2015-08-13
    ➖
    MIDDLETON, Jeremy Peter resigned
    director
  37. 2013-10-09
    🏢
    Company incorporated
    As APEX BRIDGING LOANS LIMITED
  38. 2013-10-09
    ➕
    BLUNT, Simon Charles appointed
    director
  39. 2013-10-09
    ➕
    MIDDLETON, Jeremy Peter 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 60 — approaching natural succession window.

Succession & seller-readiness

53/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
  • 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 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Hbb Bridging Loans Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Hbb Bridging Loans Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
APEX BRIDGING LOANS LIMITED
This company · 08725076

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Hbb Bridging Loans Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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 →
🔒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
Incorporated2013-10-09
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

1 The Cornerstone
Market Place
Kegworth
Derby
DE74 2EE
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-24
Last: 2025-10-10

Officers (3 active · 4 resigned)

BLUNT, Simon Charles→
director · ~60y · appointed 2013-10-09
View their other companies + combined net worth →
Active
ELLIOT, Michael David→
director · ~44y · appointed 2023-05-26
View their other companies + combined net worth →
Active
HODGKINSON, Christopher→
director · ~55y · appointed 2023-05-26
View their other companies + combined net worth →
Active
ELLIOT, Michael David→
director · ~44y · appointed 2019-10-01 · resigned 2021-03-11
Resigned
MIDDLETON, Jeremy Peter→
director · ~66y · appointed 2013-10-09 · resigned 2015-08-13
Resigned
SHORTLAND, Sonia Lorraine→
director · ~45y · appointed 2019-10-01 · resigned 2022-09-28
Resigned
WOODMAN, Nicola Jane→
director · ~61y · appointed 2021-03-11 · resigned 2022-07-29
Resigned

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

Mortgages & charges

4
Total charges
0
Outstanding
0
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
satisfied
Middleton Enterprises (2)
Middleton Enterprises (2) Limited
A registered charge—15/06/202303/07/2024
satisfied
Cip Nominees
Cip Nominees Limited
A registered charge1 property25/03/202026/04/2023
satisfied
Cip Nominees
Cip Nominees Limited
A registered charge1 property25/03/202026/04/2023
satisfied
Cip Nominees
Cip Nominees Limited
A registered charge1 property25/03/202026/04/2023

Recent filings (49 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-06-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-14
mortgage-satisfy-charge-full
mortgage · MR04
2024-07-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-06-22
appoint-person-director-company-with-name-date
officers · AP01
2023-05-26
appoint-person-director-company-with-name-date
officers · AP01
2023-05-26
mortgage-satisfy-charge-full
mortgage · MR04
2023-04-26
mortgage-satisfy-charge-full
mortgage · MR04
2023-04-26
mortgage-satisfy-charge-full
mortgage · MR04
2023-04-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-21