BESPOKE FINANCIAL (NEWCASTLE) LIMITED
Opportunity 74/100 (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 -71% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (65/100).
Refinance opportunity
1 live charge · oldest 6.0y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (83/100)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 | 2025-03-30 | 2024-03-30 |
|---|---|---|
| Total assets | £82.4k | £80.4k |
| Current assets | £592.1k | £572.8k |
| Cash | £4.1k | £14.2k |
| Debtors | £587.9k | £558.6k |
| Net assets | £78.0k | £48.1k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 signals 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
- • 1 accounts
Corporate timeline (23 events)Click to expand
- 2025-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-21📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-01-09📄resolutionresolution · RESOLUTIONS
- 2023-01-09📄capital-name-of-class-of-sharescapital · SH08
- 2023-01-09📄resolutionresolution · RESOLUTIONS
- 2023-01-09📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2023-01-09📄memorandum-articlesincorporation · MA
- 2023-01-03📄capital-cancellation-sharescapital · SH06
- 2023-01-03📄capital-return-purchase-own-sharescapital · SH03
- 2022-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-11-14📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2022-08-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-08-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-08-18📄change-person-director-company-with-change-dateofficers · CH01
- 2022-04-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-12-22📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2021-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-05🔒Charge registered #1Lender: Barclays Security Trustee Limited
- 2014-06-02🏢Company incorporatedAs BESPOKE FINANCIAL (NEWCASTLE) LIMITED
- 2014-06-02➕BLACKBURN, Terence Edward appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.
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.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanGroup structure
Blackburn Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Blackburn Holdings Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 14/11/2022 |
1 historic (ceased) PSC
- Mr Terence Edward Blackburnceased 14/11/2022· 75-100% shares · 75-100% voting · board control
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.
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| BH FINANCE LTD→ 11747139 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
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 →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 · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | — | 05/06/2020 | — |