BLOOMSMITH FINANCE LIMITED
🌳Matureactive
10096594 · ltd · incorporated 2016-04-01
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 4.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
ALSO REGISTERED FOR
- 82990Other business support service activities n.e.c.
Investor take
PursueStrong opportunity: active trading company with exceptional profile and bankable structure.
Opportunity 80/100 (exceptional), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
3 live charges · oldest 4.5y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.5 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 5 with DOB)
87
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
50 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 0 | 0 |
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
10
filings
- • 5 officers
- • 3 persons-with-significant-control
- • 1 confirmation-statement
Last 180 days
11
filings
- • 5 officers
- • 3 persons-with-significant-control
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
- 2026-04-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-04-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-04-07📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2026-04-02📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-31📄change-corporate-director-company-with-change-dateofficers · CH02
- 2026-03-31📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-03-31📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-31📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-18📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-02📄change-person-director-company-with-change-dateofficers · CH01
- 2025-04-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-21🔒Charge registered #3Lender: Shawbrook Bank Limited
- 2025-03-21🔒Charge registered #2Lender: Shawbrook Bank Limited
- 2025-02-10📄capital-return-purchase-own-sharescapital · SH03
- 2025-01-31📄appoint-corporate-director-company-with-name-dateofficers · AP02
- 2025-01-30➕BLOOMSMITH FUNDING LIMITED appointedcorporate-director
- 2025-01-03➖PETTY, Neil Anthony resigneddirector
- 2024-10-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-16➕WHITE, David Richard appointeddirector
- 2023-08-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-25📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-17🔒Charge registered #1Lender: Shawbrook Bank Limited
- 2019-08-01➕PETTY, Neil Anthony appointeddirector
- 2018-11-26➖BLOOM, Peter Fabian resigneddirector
- 2018-06-01➖HILL, Matthew Charles resigneddirector
- 2016-04-01🏢Company incorporatedAs BLOOMSMITH FINANCE LIMITED
- 2016-04-01➕SMITH, Nigel Preston appointeddirector
- 2016-04-01➕BLOOM, Peter Fabian appointeddirector
- 2016-04-01➕HILL, Matthew Charles appointeddirector
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder name in company name: Company name contains director surname "SMITH" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
Succession & seller-readiness
45/100
Moderate signalSome 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Nigel Preston Smith Individual · British · DOB 02/1967 · age 59 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 03/01/2025 |
Mrs Katherine Elizabeth Riall Individual · British · DOB 03/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 03/01/2025 |
2 historic (ceased) PSCs
- Mr Nigel Preston Smithceased 23/05/2017· 25-50% shares · 25-50% voting
- Mr Peter Fabian Bloomceased 23/05/2017· 25-50% shares · 25-50% voting
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| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BMS FAMILY PROTECTION LTD→ 16638440 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BOAG DOLMAN FINANCIAL PLANNING LTD→ 16190567 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BONDINSURE LIMITED→ 15249956 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BONDSURE LIMITED→ 15250101 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BOOKKEEPING SIMPLE LTD→ 17102308 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BOUNDARY VENTURES LTD→ 15831159 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BRIMAL LIMITED→ 00823906 · est 1964 · no financials extracted | — | — | — | — | 61y | — | — |
| BRITOPIA HOLDINGS LIMITED→ 16345148 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BROOK-DOBSON BREAR LIMITED→ 05674756 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| BROOKS RAYNER→ 11133852 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BUSINESS RESCUE BY BIZSAVE LTD→ 16615361 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BUTTERWORTH SPENGLER (CYCLESURE) LIMITED→ 01593973 · est 1981 · no financials extracted | — | — | — | — | 44y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2016-04-01
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
Ground Floor, Techno Centre
Station Road
Horsforth
Leeds
LS18 5BJ
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-14
Last: 2026-03-31
Officers (3 active · 3 resigned)
SMITH, Nigel Preston→
Activedirector · ~59y · appointed 2016-04-01
View their other companies + combined net worth →
WHITE, David Richard→
Activedirector · ~61y · appointed 2023-11-16
View their other companies + combined net worth →
BLOOMSMITH FUNDING LIMITED→
Activecorporate-director · appointed 2025-01-30
View their other companies + combined net worth →
BLOOM, Peter Fabian→
Resigneddirector · ~58y · appointed 2016-04-01 · resigned 2018-11-26
HILL, Matthew Charles→
Resigneddirector · ~61y · appointed 2016-04-01 · resigned 2018-06-01
PETTY, Neil Anthony→
Resigneddirector · ~62y · appointed 2019-08-01 · resigned 2025-01-03
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 21/03/2025 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 21/03/2025 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 17/12/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (50 total)
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-04-09
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-08
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-04-08
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2026-04-07
change-person-director-company-with-change-date
officers · CH01
2026-04-02
change-corporate-director-company-with-change-date
officers · CH02
2026-03-31
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-03-31
change-person-director-company-with-change-date
officers · CH01
2026-03-31
change-person-director-company-with-change-date
officers · CH01
2026-03-31
change-person-director-company-with-change-date
officers · CH01
2026-03-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-22
change-person-director-company-with-change-date
officers · CH01
2025-09-02
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-01
termination-director-company-with-name-termination-date
officers · TM01
2025-04-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-28