BSAL TRADING LIMITED
Opportunity 73/100 (strong), bankability 80/100. 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).
Refinance opportunity
2 live charges · oldest 9.0y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 9.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · 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 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Total assets | £1.87M | £1.78M |
| Current assets | £2.17M | £2.12M |
| Cash | £54.4k | £59.2k |
| Debtors | £2.12M | £2.06M |
| Net assets | £1.26M | £1.14M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 1 accounts
Corporate timeline (20 events)Click to expand
- 2026-03-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-04-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-29📄capital-allotment-sharescapital · SH01
- 2018-04-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-09-15📄capital-allotment-sharescapital · SH01
- 2017-09-15📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2017-05-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-05-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-05-25🔒Charge registered #2Lender: Shawbrook Bank Limited
- 2017-05-25🔒Charge registered #1Lender: Shawbrook Bank Limited
- 2017-04-08🏢Company incorporatedAs BSAL TRADING LIMITED
- 2017-04-08➕FISHWICK, David John 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 9 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
Burnley Savings & Loans 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
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Burnley Savings & Loans Ltd Corporate entity | 75–100% | — | 75-100% shares | 08/04/2017 |
Mr David John Fishwick Individual · British · DOB 03/1971 · age 55 | — | — | sig. influencesignificant influence | 08/04/2017 |
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.
See pricing →Similar companies
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| COVER MY BUBBLE LTD→ 11190721 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
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 →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 | Shawbrook Shawbrook Bank Limited | A registered charge | — | 25/05/2017 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | — | 25/05/2017 | — |