BGC CAPITAL LIMITED
Day-to-day, this small Stourbridge-based financial firm most likely provides specialist consumer credit or lending products — such as loans or hire-purchase agreements — operating as a non-deposit-taking credit grantor, though its total-exemption accounts suggest it remains a modest, possibly owner-managed operation.
Opportunity 76/100 (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 (73/100).
Data confidence
Overall: high (80/100)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 · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £5.0k | £1.8k |
| Current assets | £69.3k | £45.8k |
| Cash | £14.3k | £4.0k |
| Debtors | £55.0k | £41.8k |
| Net assets | £5.0k | £1.8k |
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
Corporate timeline (10 events)Click to expand
- 2026-01-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-19🏢Company incorporatedAs BGC CAPITAL LIMITED
- 2018-06-19➕UREN, David Alan Swainson appointeddirector
- 2018-06-19📄incorporation-companyincorporation · NEWINC
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.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David Alan Swainson Uren Individual · British · DOB 07/1965 · age 61 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 19/06/2018 |
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
Active · Financial services · DY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A G WEALTH MANAGEMENT LTD→ 07897776 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| ACACIA MORTGAGES LIMITED→ 04185236 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
| AUTOAID ASSIST LTD→ 16860415 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| B1K3 LTD→ 15234014 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BAGLEYS SALES AND PROPERTY MANAGEMENT LIMITED→ 06264970 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| BARWICK GREEN INVESTMENTS LIMITED→ 15191110 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BDA FINANCIAL LIMITED→ 17025340 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BEAR IMAGES LIMITED→ 03387544 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
| BELL SIMPSON LIMITED→ 05217924 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| BLACK GOAT INVESTMENTS LTD→ 16696465 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BLACKSTOCK FINANCIAL SERVICES LTD.→ 07605711 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| BLACKSTOCK PRIVATE EQUITY LTD→ 14820735 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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.