BNR AGENCY LTD

🌳Matureactive
09076420 · ltd · incorporated 2014-06-09
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
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Turnover
—
year to Jun 2025
Net worth
£49.4k
book net assets
Opportunity
74/100
Strong
🔔
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What this business does
Primary activity: Other human health activities
Sector: Human health & social work
ALSO REGISTERED FOR
  • 88100Social work activities without accommodation for the elderly and disabled
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -83% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

1 live charge · oldest 11.5y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 11.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (81/100)

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

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (2 active, 6 linked, 4 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
47 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
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 £49,404
Cash draining
Cash down 83% YoY
Cash YoY
-83%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£1k
↓ 83% YoY
Net Worth
£49k
↑ 27% YoY
Current Assets
£276k
↑ 25% YoY
Current Liabilities
—
£0£55k£110k£166k£221k£276kJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30
Total assets£56.7k£46.1k
Current assets£276.0k£220.0k
Cash£1.3k£8.0k
Debtors£274.6k£212.1k
Net assets£49.4k£38.8k

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

🔒Filing-note intelligence

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

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 (31 events)Click to expand
  1. 2026-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-07-01
    ➖
    MURENGA, Farayi resigned
    secretary
  3. 2025-07-01
    ➖
    MURENGA, Farayi resigned
    director
  4. 2025-07-01
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2025-07-01
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  6. 2025-07-01
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2025-03-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2024-09-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2024-06-19
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  10. 2024-06-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2024-06-12
    📄
    dissolved-compulsory-strike-off-suspended
    dissolution · DISS16(SOAS)
  12. 2024-05-28
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  13. 2023-04-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2022-02-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-08-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2021-08-06
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  17. 2021-08-06
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  18. 2021-06-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2021-04-06
    ➕
    MUNIKWA, Hildah appointed
    director
  20. 2020-11-26
    ➕
    MURENGA, Farayi appointed
    secretary
  21. 2020-11-26
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  22. 2020-08-17
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  23. 2020-06-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  24. 2020-05-14
    ➖
    CHIGUMA, Maidei Sandra resigned
    secretary
  25. 2020-05-14
    ➖
    CHIGUMA, Maidei Sandra resigned
    director
  26. 2015-01-30
    🔒
    Charge registered #1
    Lender: Skipton Business Finance Limited
  27. 2014-06-09
    🏢
    Company incorporated
    As BNR AGENCY LTD
  28. 2014-06-09
    ➕
    MURENGA, Farayi appointed
    director
  29. 2014-06-09
    ➕
    CHIGUMA, Maidei Sandra appointed
    secretary
  30. 2014-06-09
    ➕
    CHIGUMA, Maidei Sandra appointed
    director
  31. 2014-06-09
    ➕
    MURENGA, Farayi 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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

49/100
Moderate signal

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

SIGNALS
  • 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
NameSharesVoting rightsNature of controlNotified
Ms Hildah Munikwa
Individual · British · DOB 10/1981 · age 45
25–50%
25–50%25-50% shares · 25-50% voting06/04/2021
Mr Farayi Murenga
Individual · British · DOB 02/1978 · age 48
25–50%
25–50%25-50% shares · 25-50% voting14/05/2020

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
Incorporated2014-06-09
Jurisdictionengland-wales
Primary SIC86900 — Other human health activities

Registered office

19a Wonastow Road Industrial Estate (West)
Monmouth
NP25 5JA
Wales

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-08-20
Last: 2025-08-06

Officers (2 active · 4 resigned)

MUNIKWA, Hildah→
director · ~45y · appointed 2021-04-06
View their other companies + combined net worth →
Active
MURENGA, Farayi→
director · ~48y · appointed 2014-06-09
View their other companies + combined net worth →
Active
CHIGUMA, Maidei Sandra→
secretary · appointed 2014-06-09 · resigned 2020-05-14
Resigned
MURENGA, Farayi→
secretary · appointed 2020-11-26 · resigned 2025-07-01
Resigned
CHIGUMA, Maidei Sandra→
director · ~44y · appointed 2014-06-09 · resigned 2020-05-14
Resigned
MURENGA, Farayi→
director · ~48y · appointed 2014-06-09 · resigned 2025-07-01
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Skipton Business Finance
Skipton Business Finance Limited
A registered charge1 property30/01/2015—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (47 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-31
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-19
appoint-person-director-company-with-name-date
officers · AP01
2025-07-01
termination-secretary-company-with-name-termination-date
officers · TM02
2025-07-01
termination-director-company-with-name-termination-date
officers · TM01
2025-07-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-04
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-09-04
gazette-filings-brought-up-to-date
gazette · DISS40
2024-06-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-18
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2024-06-12
gazette-notice-compulsory
gazette · GAZ1
2024-05-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-12