BAGGERMAN WEALTH MANAGEMENT LTD.
Opportunity 74/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).
Refinance opportunity
1 live charge · oldest 8.9y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 8.9 years old — likely at or near maturity.
- · 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.
Key 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 | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Average employees | 1000 | 800 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
4 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
- • 1 accounts
Corporate timeline (20 events)Click to expand
- 2026-04-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-04-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-22📄change-person-director-company-with-change-dateofficers · CH01
- 2022-11-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-06-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-10-28📄change-person-director-company-with-change-dateofficers · CH01
- 2019-06-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-02-18🔓Charge satisfied #1
- 2018-04-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-09-04🔒Charge registered #1Lender: Metro Bank PLC
- 2014-10-28🏢Company incorporatedAs BAGGERMAN WEALTH MANAGEMENT LTD.
- 2014-10-28➕BAGGERMAN, John Benjamin 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.
- +Founder name in company name: Company name contains director surname "BAGGERMAN" — strong identity link between founder and business.
- +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
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Benjamin Baggerman Individual · British · DOB 02/1985 · age 41 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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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|---|---|---|---|---|---|---|---|
| AUREOLE RISK SERVICES LIMITED→ 16817678 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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| AVR GLOBAL LTD→ 16242147 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BARNES FAMILY MANAGEMENT LTD→ 12702440 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BATESWILCOX MORTGAGE SOLUTIONS LTD→ 12030990 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BE INSURED LIFE LTD→ 13444063 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BECKLEY FINANCIAL PLANNING LTD→ 12198141 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BENEDICT CHARLES FINANCIAL PLANNING LTD→ 10398683 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BENKIMPTONTRADING LTD→ 16426897 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BENNETT FINANCIAL SERVICES LIMITED→ 07401330 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
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 | |||||
|---|---|---|---|---|---|---|
| satisfied | Metro Bank Metro Bank PLC | A registered charge | 1 property | 04/09/2017 | 18/02/2019 |