BIRKDALE WEALTH MANAGEMENT LTD

💤Zombieactive
09834872 · ltd · incorporated 2015-10-21
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£-36.9k
book net assets
Opportunity
74/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 74/100 (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: 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).

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 (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
25 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
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Negative net assets
Liabilities exceed assets by £36,891

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
-£37k
↑ 32% YoY
Current Assets
£37k
↑ 118% YoY
Current Liabilities
—
-£55k-£36k-£18k£439£19k£37kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-03-312024-03-31
Total assets£-10.9k£-27.1k
Current assets£37.1k£17.0k
Net assets£-36.9k£-54.6k

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 accounts
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2026-01-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-03-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-12-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-06-20
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  5. 2022-07-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-07-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2020-10-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-08-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2019-08-09
    ➖
    WHALEN, Michael Robert resigned
    director
  10. 2019-08-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2019-08-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2019-07-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2019-04-18
    ➕
    WHALEN, Michael Robert appointed
    director
  14. 2019-04-18
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2018-07-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2017-07-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2015-10-21
    🏢
    Company incorporated
    As BIRKDALE WEALTH MANAGEMENT LTD
  18. 2015-10-21
    ➕
    MCAULAY, Nicholas David appointed
    director
  19. 2015-10-21
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

75/100
High — earn-out structure required

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

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

50/100
Moderate signal

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

SIGNALS
  • 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Nicholas David Mcaulay
Individual · British · DOB 11/1983 · age 43
75–100%
—75-100% shares06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Financial services · L postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
ASSURED COVER LTD→
11162610 · est 2018 · no financials extracted
————8y——
BFS MARINE FINANCE (UK) LIMITED→
14546321 · est 2022 · no financials extracted
————3y——
BIBBY FACTORS LEICESTER LIMITED→
02989348 · est 1994 · no financials extracted
————31y——
BIBBY FACTORS LIMITED→
00584342 · est 1957 · no financials extracted
————68y——
BIBBY FACTORS SLOUGH LIMITED→
02617760 · est 1991 · no financials extracted
————34y——
BIBBY FACTORS SUSSEX LIMITED→
03847904 · est 1999 · no financials extracted
————26y——
BIBBY FINANCE SOLUTIONS LTD→
07004375 · est 2009 · no financials extracted
————16y——
BIBBY INVOICE DISCOUNTING LIMITED→
04105467 · est 2000 · no financials extracted
————25y——
BIBBY TRADE FACTORS LIMITED→
05303859 · est 2004 · no financials extracted
————21y——
BIBBY TRADE SERVICES LIMITED→
03530463 · est 1998 · no financials extracted
————28y——
BIG HELP ETHICAL FINANCIAL SERVICES LIMITED→
13603428 · est 2021 · no financials extracted
————4y——
BISHOPGATE LIMITED→
04958260 · est 2003 · no financials extracted
————22y——
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
Incorporated2015-10-21
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

2a Swordfish Business Park Swordfish Close
Higgins Lane
Burscough
Lancashire
L40 8JW
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-03
Last: 2025-10-20

Officers (1 active · 1 resigned)

MCAULAY, Nicholas David→
director · ~43y · appointed 2015-10-21
View their other companies + combined net worth →
Active
WHALEN, Michael Robert→
director · ~66y · appointed 2019-04-18 · resigned 2019-08-09
Resigned

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

Recent filings (25 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-01-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-22
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-29
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-26
change-account-reference-date-company-previous-extended
accounts · AA01
2023-06-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-24
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-16
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-30
accounts-with-accounts-type-micro-entity
accounts · AA
2020-10-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-11-14
change-person-director-company-with-change-date
officers · CH01
2019-08-28