BAY LEAF PARAPLANNING SERVICES LTD
🌳Matureactive
09445728 · ltd · incorporated 2015-02-18
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
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£-5.0k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Deleverage or restructure. Leverage at 100% of assets — consider sale of non-core assets or equity injection. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
33 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 declaredNegative net assets
Liabilities exceed assets by £5,032
High leverage
Liabilities are 100% of total assets
Leverage
100%
Liabilities / Total assets
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
-£5k
↑ 40% YoY
Current Assets
£56k
↓ 10.0% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £61.8k | £66.2k |
| Current assets | £56.4k | £62.6k |
| Net assets | £-5.0k | £-8.4k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-10-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-02-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-12📄change-person-director-company-with-change-dateofficers · CH01
- 2021-11-12📄change-person-director-company-with-change-dateofficers · CH01
- 2021-11-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-11-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-12-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-06-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-11-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-08-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2015-02-18🏢Company incorporatedAs BAY LEAF PARAPLANNING SERVICES LTD
- 2015-02-18➕LUKE, Stephen John appointeddirector
- 2015-02-18➕LYNN, Richard Thomas appointeddirector
Owner dependency
71/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
51/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Misheleen Bernedette Luke Individual · British · DOB 08/1967 · age 59 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 11/11/2021 |
Mr Stephen Luke Individual · British · DOB 01/1968 · age 58 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Richard Lynn Individual · British · DOB 05/1988 · age 38 | 25–50% | — | 25-50% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
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|---|---|---|---|---|---|---|---|
| ARC INVESTMENT SERVICES LIMITED→ 12252777 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ARCOT COMMERCIAL LTD→ 11693313 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ATLAS CARD SERVICES LIMITED→ 11512718 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ATU INVESTMENTS LTD.→ 14197174 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AUGMENTUM CNOT TECHNOLOGY LIMITED→ 12348233 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AVERLEY INVESTMENTS LIMITED→ 14898143 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BAR FINANCIAL SERVICES LTD→ 11314535 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BAXTER PEARSE FINANCIAL CONSULTANTS LIMITED→ 08885117 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| BEADNELL SHORE PROPERTIES LTD→ 15978313 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BEDE WEALTH MANAGEMENT LIMITED→ 06836079 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| BEL GROUP INVESTMENTS LIMITED→ 00334531 · est 1937 · no financials extracted | — | — | — | — | 88y | — | — |
| BELL MORTGAGE SOLUTIONS LTD→ 14629745 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2015-02-18
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
10 Chatsworth Gardens
Whitley Bay
NE25 9DP
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-04
Last: 2026-02-18
Officers (2 active · 0 resigned)
LUKE, Stephen John→
Activedirector · ~58y · appointed 2015-02-18
View their other companies + combined net worth →
LYNN, Richard Thomas→
Activedirector · ~38y · appointed 2015-02-18
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (33 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-19
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-21
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-12
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-02-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-02-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-20
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-18
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-01
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-12
change-person-director-company-with-change-date
officers · CH01
2021-11-12
change-person-director-company-with-change-date
officers · CH01
2021-11-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-11-12