BRICKS FINANCE LIMITED

🌳Matureactive
09298424 · ltd · incorporated 2014-11-06
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 Apr 2025
Net worth
£1.19M
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 67-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 67). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (82/100)

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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (4 active, 5 linked, 3 with DOB)
82
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
16 connected companies via shared directors
90
Filing history
43 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £1,193,525

Key financials

2 years extracted from filed iXBRL accounts
Cash
£3.5m
Net Worth
£1.2m
Current Assets
—
Current Liabilities
—
£0£693k£1.4m£2.1m£2.8m£3.5mApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-302024-04-30
Cash£3.47M—
Net assets£1.19M—
Average employees—600

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 (22 events)Click to expand
  1. 2026-01-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-11-12
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2022-12-05
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2021-11-19
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2021-11-09
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2021-03-17
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2020-11-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-11-09
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  10. 2020-01-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-12-02
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  12. 2019-12-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2019-12-02
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  14. 2019-12-01
    ➕
    MICHELMORE, William Franck appointed
    secretary
  15. 2019-12-01
    ➖
    MICHELMORES SECRETARIES LIMITED resigned
    corporate-secretary
  16. 2019-01-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2018-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2017-05-22
    ➕
    MICHELMORE, William Franck appointed
    director
  19. 2015-02-23
    ➕
    MICHELMORES SECRETARIES LIMITED appointed
    corporate-secretary
  20. 2014-11-28
    ➕
    RIHLL, Jeremy Paul Blake appointed
    director
  21. 2014-11-06
    🏢
    Company incorporated
    As BRICKS FINANCE LIMITED
  22. 2014-11-06
    ➕
    BANKS, Clive John appointed
    director

Owner dependency

65/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

55/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
  • 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

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Clive John Banks
Individual · British · DOB 07/1965 · age 61
25–50%
25–50%25-50% shares · 25-50% voting06/11/2016
Mr Jeremy Paul Blake Rihll
Individual · British · DOB 01/1964 · age 62
25–50%
25–50%25-50% shares · 25-50% voting06/11/2016
Mr William Franck Michelmore
Individual · British · DOB 05/1959 · age 67
——sig. influencesignificant influence03/01/2018

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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04610768 · est 2002 · no financials extracted
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CATOR RYDER PROPERTIES LIMITED→
03926730 · est 2000 · no financials extracted
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CHARLES CROWD LIMITED→
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CHIP FINANCIAL NOMINEES LTD→
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CLAY CAPITAL LTD→
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CLEARWATER FINANCIAL LIMITED→
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————20y——
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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2014-11-06
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

Winslade Park Manor Drive
Clyst St Mary
Exeter
EX5 1FY
United Kingdom

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-11-26
Last: 2025-11-12

Officers (4 active · 1 resigned)

MICHELMORE, William Franck→
secretary · appointed 2019-12-01
View their other companies + combined net worth →
Active
BANKS, Clive John→
director · ~61y · appointed 2014-11-06
View their other companies + combined net worth →
Active
MICHELMORE, William Franck→
director · ~67y · appointed 2017-05-22
View their other companies + combined net worth →
Active
RIHLL, Jeremy Paul Blake→
director · ~62y · appointed 2014-11-28
View their other companies + combined net worth →
Active
MICHELMORES SECRETARIES LIMITED→
corporate-secretary · appointed 2015-02-23 · resigned 2019-12-01
Resigned

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

Recent filings (43 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-15
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-11-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-12
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-12-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-11-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-11-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-03-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-10
change-person-secretary-company-with-change-date
officers · CH03
2020-11-09