BUILD FINANCE LIMITED
🏛️Establishedactive
11010833 · ltd · incorporated 2017-10-12
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
£7.9k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 74/100 (strong), bankability 67/100. 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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
4 live charges · 3 lenders · oldest 7.6y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 7.6 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
27 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
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £7,862
Cash YoY
+28%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£12k
↑ 28% YoY
Net Worth
£8k
↑ 107% YoY
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Cash | £12.4k | £9.6k |
| Net assets | £7.9k | £3.8k |
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
0
filings
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2025-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-12📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-12📄change-person-director-company-with-change-dateofficers · CH01
- 2024-07-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-03-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-03-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-03-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-03-10➕STEWART, Ross Andrew appointeddirector
- 2024-03-10➖STEWART, John Neil resigneddirector
- 2023-10-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-06🔒Charge registered #4Lender: Ris Investments Limited
- 2023-07-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-07-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-07-22🔒Charge registered #3Lender: Zesting
- 2021-07-22🔒Charge registered #2Lender: Zesting
- 2021-06-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-02-18🔓Charge satisfied #1
- 2019-07-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-12-21🔒Charge registered #1Lender: Yoginvest LTD
- 2017-10-12🏢Company incorporatedAs BUILD FINANCE LIMITED
- 2017-10-12➕STEWART, Nicholas Anthony appointeddirector
- 2017-10-12➕STEWART, John Neil appointeddirector
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ross Andrew Stewart Individual · British · DOB 08/1984 · age 42 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 10/03/2024 |
1 historic (ceased) PSC
- Mr John Neil Stewartceased 10/03/2024· 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.
🔒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 · EN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BESPOKE INDEMNITY SOLUTIONS LTD→ 10220755 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| CAM LAND (DURSLEY) LIMITED→ 10111687 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| CARR MITCHELL LIMITED→ 06913493 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| CASTLE DONNINGTON LIMITED→ 10704315 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| CATALINA INVESTMENTS LIMITED→ 10429907 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| CDJ TRM LTD→ 15911810 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CEDAR HOUSE FINANCIAL SERVICES LIMITED→ 02040424 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
| CIPHER FINANCIAL ANALYSIS LTD→ 07927088 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| CLAREN FINANCE LTD→ 16170682 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CLARIDGES FINANCE LIMITED→ 11159434 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| CLIVE STAINTON LIMITED→ 09516153 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| CLP FINANCIAL SOLUTIONS LTD→ 16003857 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2017-10-12
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
18 Church Lane
Northaw
Potters Bar
EN6 4NX
United Kingdom
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-10-25
Last: 2025-10-11
Officers (2 active · 1 resigned)
STEWART, Nicholas Anthony→
Activedirector · ~33y · appointed 2017-10-12
View their other companies + combined net worth →
STEWART, Ross Andrew→
Activedirector · ~42y · appointed 2024-03-10
View their other companies + combined net worth →
STEWART, John Neil→
Resigneddirector · ~73y · appointed 2017-10-12 · resigned 2024-03-10
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
3
Outstanding
2
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Ris Investments Ris Investments Limited | A registered charge | 1 property | 06/10/2023 | — | |
| outstanding | Zesting | A registered charge | 1 property | 22/07/2021 | — | |
| outstanding | Zesting | A registered charge | 1 property | 22/07/2021 | — | |
| satisfied | Yoginvest Yoginvest LTD | A registered charge | 1 property | 21/12/2018 | 18/02/2021 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (27 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-30
change-person-director-company-with-change-date
officers · CH01
2025-08-12
change-person-director-company-with-change-date
officers · CH01
2025-08-12
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-23
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-03-19
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-19
termination-director-company-with-name-termination-date
officers · TM01
2024-03-19
appoint-person-director-company-with-name-date
officers · AP01
2024-03-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-27
confirmation-statement-with-updates
confirmation-statement · CS01
2022-10-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-10