BUSINESS MONEY CARD COMPANY LIMITED

🌳Matureactive

09062630 · ltd · incorporated 2014-05-29

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

—

book net assets

Opportunity

78/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 81-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 81). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

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

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

12 connected companies via shared directors

Filing history

25 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

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	2025-05-31	2024-05-31

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (19 events)Click to expand

2026-01-24
📄
accounts-with-accounts-type-dormant
accounts · AA
2025-01-18
📄
accounts-with-accounts-type-dormant
accounts · AA
2024-01-29
📄
accounts-with-accounts-type-dormant
accounts · AA
2023-02-14
📄
accounts-with-accounts-type-dormant
accounts · AA
2022-03-10
📄
accounts-with-accounts-type-dormant
accounts · AA
2021-04-24
📄
accounts-with-accounts-type-dormant
accounts · AA
2020-01-30
📄
accounts-with-accounts-type-dormant
accounts · AA
2019-03-13
📄
accounts-with-accounts-type-dormant
accounts · AA
2018-04-04
📄
accounts-with-accounts-type-dormant
accounts · AA
2017-07-03
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2017-07-03
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2017-03-21
📄
accounts-with-accounts-type-dormant
accounts · AA
2016-06-29
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2016-03-14
📄
accounts-with-accounts-type-dormant
accounts · AA
2015-07-13
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-05-29
🏢
Company incorporated
As BUSINESS MONEY CARD COMPANY LIMITED
2014-05-29
➕
LEFROY, Iris June appointed
director
2014-05-29
➕
LEFROY, Robert Henry appointed
director
2014-05-29
📄
incorporation-company
incorporation · NEWINC

Owner dependency

86/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Founder age: Director aged approximately 81 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

79/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
secondary12+ year tenure: Director in role 12 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Robert Henry Lefroy Individual · English · DOB 05/1945 · age 81	25–50%	—	25-50% shares	30/05/2016
Mrs Iris June Lefroy Individual · English · DOB 06/1952 · age 74	25–50%	—	25-50% shares	30/05/2016

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.

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Similar companies

Active · Financial services · TA postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
CALLUNA ENTERPRISES LTD→ 07887084 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
CANTELO NURSERIES LIMITED→ 02131104 · est 1987 · no financials extracted	—	—	—	—	38y	—	—
CATHERINE RICHARDSON ASSOCIATES LIMITED→ 05628592 · est 2005 · no financials extracted	—	—	—	—	20y	—	—
CENTURY WEALTH MANAGEMENT LTD→ 15434537 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
CHANCERY HOUSE FINANCE LIMITED→ 04941731 · est 2003 · no financials extracted	—	—	—	—	22y	—	—
CLAIMS CONSORTIUM ADJUSTING LIMITED→ 12084763 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
CLARK SHAW ASSOCIATES LIMITED→ 15118839 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
CLEAR THINKING ENTERPRISE LTD→ 11616870 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
CLEARBROKING LTD→ 08024522 · est 2012 · no financials extracted	—	—	—	—	14y	—	—
CLP SAFETY & TRAINING LIMITED→ 07042776 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
COGENT PLANNING LTD→ 08703693 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
COGENT RESEARCH LTD→ 04955082 · est 2003 · no financials extracted	—	—	—	—	22y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2014-05-29

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Riverside Farm

Thorney

Langport

Somerset

TA10 0DR

Filing status

Accounts

Next due: 2027-02-28

Last made up to: 2025-05-31

Confirmation statement

Next due: 2026-06-12

Last: 2025-05-29

Officers (2 active · 0 resigned)

LEFROY, Iris June→

director · ~74y · appointed 2014-05-29

View their other companies + combined net worth →

Active

LEFROY, Robert Henry→

director · ~81y · appointed 2014-05-29

View their other companies + combined net worth →

Active

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