FBC (YORKSHIRE) LTD
Opportunity 73/100 (strong), bankability 80/100. 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 -66% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
3 live charges · oldest 0.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 0.3 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-02-28 | 2024-02-29 |
|---|---|---|
| Total assets | £1.7k | £1.8k |
| Current assets | £2.1k | £2.2k |
| Cash | £47 | £140 |
| Debtors | £2.1k | £2.1k |
| Net assets | £1.7k | £1.8k |
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 mortgage
- • 3 mortgage
Corporate timeline (23 events)Click to expand
- 2026-04-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-26🔒Charge registered #3Lender: Atom Bank PLC
- 2026-03-26🔒Charge registered #2Lender: Atom Bank PLC
- 2026-03-26🔒Charge registered #1Lender: Atom Bank PLC
- 2025-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-13✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2023-04-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-29📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-03-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-03-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-03-24➕BUNCE, Finlay appointeddirector
- 2023-03-24➖BUNCE, Giles Anthony John resigneddirector
- 2022-05-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-08-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-11-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2014-02-11🏢Company incorporatedAs FBC (YORKSHIRE) LTD
- 2014-02-11➕BUNCE, Giles Anthony John 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
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med ·Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-03-26: A registered charge; 2026-03-26: A registered charge; 2026-03-26: A registered charge
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Finlay Bunce Individual · British · DOB 05/2002 · age 24 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 24/03/2023 |
1 historic (ceased) PSC
- Mr Giles Anthony John Bunceceased 24/03/2023· 75-100% shares · 75-100% voting
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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|---|---|---|---|---|---|---|---|
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| FIXOLOGY (LEEDS) LIMITED→ 16148450 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| FIXOLOGY HUB LIMITED→ 17064180 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| FIXOLOGY PHYSIOTHERAPY LIMITED→ 17063740 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| FRIEZE DOT PLUS LIMITED→ 12440447 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
9 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 · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Atom Bank Atom Bank PLC | A registered charge | 3 properties | 26/03/2026 | — | |
| outstanding | Atom Bank Atom Bank PLC | A registered charge | 1 property | 26/03/2026 | — | |
| outstanding | Atom Bank Atom Bank PLC | A registered charge | 1 property | 26/03/2026 | — |