BILLIE'S FINS LTD
Opportunity 73/100 (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: share sale to pe / searcher (58/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 0.8y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 0.8 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £317.4k | £292.3k |
| Current assets | £292.0k | £320.6k |
| Net assets | £275.1k | £290.9k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 2 persons-with-significant-control
- • 1 mortgage
- • 1 confirmation-statement
Corporate timeline (21 events)Click to expand
- 2026-04-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-31🔒Charge registered #2Lender: Nucleus Cash Flow FINANCE2 Limited
- 2026-03-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-05📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-11-27📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-09-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-09-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-19🔒Charge registered #1Lender: Hsbc UK Bank PLC
- 2024-11-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-09-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-05-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-09-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-09📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-01-27📄resolutionresolution · RESOLUTIONS
- 2020-01-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-05-09📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-12-01🏢Company incorporatedAs BILLIE'S FINS LTD
- 2016-12-01➕WHYATT, Billie appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanGroup structure
Billie's Fins Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Billie's Fins Holdings Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 31/03/2023 |
1 historic (ceased) PSC
- Miss Billie Whyattceased 31/03/2023· 75-100% shares · 75-100% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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
Registered office
Filing status
Officers (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Nucleus Cash Flow FINANCE2 Nucleus Cash Flow FINANCE2 Limited | A registered charge | — | 31/03/2026 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 19/09/2025 | — |