BRAMHALL COMMERCIAL LIMITED
💤Zombieactive
10907919 · ltd · incorporated 2017-08-09
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 Aug 2025
Net worth
—
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
ALSO REGISTERED FOR
- 64999Financial intermediation not elsewhere classified
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 71/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. 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: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
9 live charges · 6 lenders · oldest 3.7y
5/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~3.7 years — mid-life; refi window approaching.
- · 6 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (82/100)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
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
74
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 | 2025-08-31 | 2024-08-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
1
filing
- • 1 mortgage
Last 90 days
2
filings
- • 2 mortgage
Last 180 days
4
filings
- • 4 mortgage
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2026-07-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-06-19🔒Charge registered #9Lender: Hmk Capital Limited
- 2026-06-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-22🔒Charge registered #8Lender: Citypark Projects Limited
- 2026-04-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-10🔒Charge registered #7Lender: Silver Carr Limited
- 2026-02-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-11🔒Charge registered #6Lender: Charles Street Commercial Investments Limited
- 2026-01-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-19🔒Charge registered #5Lender: Charles Street Commercial Investments Limited
- 2026-01-19🔒Charge registered #4Lender: Charles Street Commercial Investments Limited
- 2025-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-09-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-17📄memorandum-articlesincorporation · MA
- 2025-09-17📄resolutionresolution · RESOLUTIONS
- 2025-09-17📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2025-09-16📄capital-allotment-sharescapital · SH01
- 2024-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-09-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-02-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-01-30🔒Charge registered #3Lender: Westfoot Investments Limited
- 2022-11-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-11-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-11-10🔒Charge registered #1Lender: Gks Bridging Services LTD
- 2022-11-08🔒Charge registered #2Lender: Westfoot Investments Limited
- 2022-10-21📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-08-16📄memorandum-articlesincorporation · MA
- 2017-08-09🏢Company incorporatedAs BRAMHALL COMMERCIAL LIMITED
- 2017-08-09➕KIRKHAM, Anthony William appointeddirector
Owner dependency
88/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
65/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med · 1 low6 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-06-19: A registered charge; 2026-05-22: A registered charge; 2026-04-10: A registered charge
9 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Anthony William Kirkham Individual · British · DOB 05/1963 · age 63 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 09/08/2017 |
2 historic (ceased) PSCs
- Mrs Elizabeth Kirkhamceased 11/09/2025· 75-100% shares · 75-100% voting · board control
- Mrs Elizabeth Kirkhamceased 03/12/2021· 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 · SK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ATMA CONSULTING SERVICES LIMITED→ 15554360 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| BLUEGILL LIMITED→ 15471732 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| BODYCOTE AMERICA TREASURY LIMITED→ 07016167 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| BODYCOTE PENSION TRUSTEES LIMITED→ 02218421 · est 1988 · no financials extracted | — | — | — | — | 38y | — | — |
| BOTT AND CO EOT LIMITED→ 16771679 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BOUNDINGFIELDS LTD→ 15999834 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BRAMBLE FS LIMITED→ 15588297 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| BRAMHALL PARK MORTGAGES LTD→ 13685625 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BRIDGING PROPERTY FINANCE LIMITED→ 14687125 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| BROOKES FINANCIAL MANAGEMENT LIMITED→ 03867558 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| BROOKLANDS PLACE MARKETING SERVICES LIMITED→ 06410271 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| BUILD FINANCIAL PLAN LTD→ 14711985 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2017-08-09
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
Flynn House 32 Woodford Road
Bramhall
Stockport
SK7 1PA
England
Filing status
Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-10-06
Last: 2025-09-22
Officers (1 active · 0 resigned)
KIRKHAM, Anthony William→
Activedirector · ~63y · appointed 2017-08-09
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
9
Total charges
9
Outstanding
6
Active lenders
Status:Lender:9 of 9 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Hmk Capital Hmk Capital Limited | A registered charge | 1 property | 19/06/2026 | — | |
| outstanding | Citypark Projects Citypark Projects Limited | A registered charge | 1 property | 22/05/2026 | — | |
| outstanding | Silver Carr Silver Carr Limited | A registered charge | 1 property | 10/04/2026 | — | |
| outstanding | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | 1 property | 11/02/2026 | — | |
| outstanding | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | — | 19/01/2026 | — | |
| outstanding | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | 1 property | 19/01/2026 | — | |
| outstanding | Westfoot Investments Westfoot Investments Limited | A registered charge | 1 property | 30/01/2023 | — | |
| outstanding | Gks Bridging Services Gks Bridging Services LTD | A registered charge | — | 10/11/2022 | — | |
| outstanding | Westfoot Investments Westfoot Investments Limited | A registered charge | 1 property | 08/11/2022 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (49 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-07-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-06-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-30
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-22
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-09-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-22
memorandum-articles
incorporation · MA
2025-09-17
resolution
resolution · RESOLUTIONS
2025-09-17
capital-variation-of-rights-attached-to-shares
capital · SH10
2025-09-17
capital-allotment-shares
capital · SH01
2025-09-16
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-09