SMART BUSINESS LINK LIMITED

🌳Matureactive

09802472 · ltd · incorporated 2015-09-30

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 Dec 2025

Net worth

—

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: SIC 64992

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 77/100 (strong), bankability 67/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

6 live charges · 6 lenders · oldest 8.2y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 8.2 years old — likely at or near maturity.
· 6 lenders named — inter-creditor friction likely.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (84/100)

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

Lenders & charges

6 charges (6/6 with lender, 6/6 with type)

Directors & officers

8 officers (6 active, 8 linked, 8 with DOB)

Ownership & PSC

1 active PSC(s) of 3 total, 3 with control declared

Director network

13 connected companies via shared directors

Filing history

69 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-12-31	2024-12-31
Average employees	2600	2000

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

🔒Filing-note intelligence

3 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

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (42 events)Click to expand

2026-03-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-25
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-25
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-25
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-02
➕
ACKROYD, Shane appointed
director
2025-06-02
➕
ROLLINS, Thomas James appointed
director
2025-06-02
➕
ROOK, Thomas Edward appointed
director
2024-09-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-05
📄
memorandum-articles
incorporation · MA
2024-09-05
📄
resolution
resolution · RESOLUTIONS
2024-09-03
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-09-03
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-07-11
📄
memorandum-articles
incorporation · MA
2024-07-11
📄
resolution
resolution · RESOLUTIONS
2024-07-04
📄
resolution
resolution · RESOLUTIONS
2024-07-04
📄
capital-alter-shares-subdivision
capital · SH02
2024-06-27
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-06-27
🔓
Charge satisfied #5
2024-05-17
📄
memorandum-articles
incorporation · MA
2024-05-17
📄
resolution
resolution · RESOLUTIONS
2023-06-14
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-06-12
🔒
Charge registered #6
Lender: Close Brothers Limited (The “Security Trustee”)
2023-06-09
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-24
📄
mortgage-satisfy-charge-full
mortgage · MR04
2023-03-24
🔓
Charge satisfied #4
2022-09-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-07-31
➖
SEED, Craig Arthur resigned
director
2022-07-14
🔓
Charge satisfied #3
2022-01-28
🔒
Charge registered #5
Lender: Accelerated Payments Limited
2020-12-24
🔒
Charge registered #4
Lender: Vicarage Management No 1 Limited
2020-02-06
➖
BEECHER, John David resigned
director
2019-07-23
🔓
Charge satisfied #2
2019-07-11
🔒
Charge registered #3
Lender: Industrial Lending 2
2019-03-22
➕
BEECHER, John David appointed
director
2019-03-06
🔒
Charge registered #2
Lender: IL2 (2018)
2019-02-27
➕
BLAND, Simon Christopher appointed
director
2019-02-27
➕
SEED, Craig Arthur appointed
director
2018-03-01
🔒
Charge registered #1
Lender: Brambleside Risk Management LLP
2015-09-30
🏢
Company incorporated
As SMART BUSINESS LINK LIMITED
2015-09-30
➕
PUGH, Steven Richard appointed
director
2015-09-30
➕
SMITH, Gary appointed
director

Owner dependency

48/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

45/100

Moderate signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Smart Business Group (Holdings) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Smart Business Group (Holdings) Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

SMART BUSINESS LINK LIMITED

This company · 09802472

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
Smart Business Group (Holdings) Limited Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	28/08/2024

2 historic (ceased) PSCs

Mr Gary Smithceased 28/08/2024· 25-50% shares
Mr Steven Pughceased 01/03/2018· 25-50% shares

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 →

Similar companies

Active · Financial services · LS postcode area

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BELLOTAS INVESTMENTS→ 11128919 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
BELTON SIGNS LIMITED→ 13794599 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
BENJAMIN MOSES GROUP LIMITED→ 12627289 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
BERRY & OAK LIMITED→ 09940516 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
BICKLEY INSURANCE SERVICES LIMITED→ 02880377 · est 1993 · no financials extracted	—	—	—	—	32y	—	—
BIGNUMBERTEN ENTERPRISES LTD→ 16359429 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
BITA'S MORTGAGE SERVICES LTD→ 11168450 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
BJP HOLDINGS LIMITED→ 05617794 · est 2005 · no financials extracted	—	—	—	—	20y	—	—
BJP INSURANCE BROKERS LIMITED→ 03486694 · est 1997 · no financials extracted	—	—	—	—	28y	—	—
BLACK FAMILY LIMITED→ 16662768 · est 2025 · no financials extracted	—	—	—	—	—	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2015-09-30

Jurisdictionengland-wales

Primary SIC64992 — SIC 64992

Registered office

130 Asquith Avenue

Morley

Leeds

LS27 9QX

England

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2026-10-13

Last: 2025-09-29