BCRS CIEF LIMITED
🏛️Establishedactive
11600189 · ltd · incorporated 2018-10-02
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 7.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
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 bankable structure.
Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 7.6y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 7.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (60/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 6 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
27 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
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 (30 events)Click to expand
- 2025-10-23📄accounts-with-accounts-type-smallaccounts · AA
- 2024-12-09📄accounts-with-accounts-type-smallaccounts · AA
- 2024-09-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-16➕LEIGH, Emma Caroline appointeddirector
- 2024-04-30➕SMEE, Paul Howard appointeddirector
- 2024-04-30➖DUNN, Caroline Jayne resigneddirector
- 2024-04-30📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-30📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-12-23📄accounts-with-accounts-type-smallaccounts · AA
- 2022-10-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-09-28📄accounts-with-accounts-type-smallaccounts · AA
- 2022-09-21➖MOORHOUSE, Sarah Laura resigneddirector
- 2022-07-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-07-11➕DUNN, Caroline Jayne appointeddirector
- 2021-09-20📄accounts-with-accounts-type-smallaccounts · AA
- 2021-07-28📄change-person-director-company-with-change-dateofficers · CH01
- 2020-11-06📄accounts-with-accounts-type-smallaccounts · AA
- 2020-05-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-03-31➖KALLNAUCKAS, Paul resigneddirector
- 2019-10-01📄accounts-with-accounts-type-smallaccounts · AA
- 2019-10-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-09-27🔒Charge registered #2Lender: Triodos Bank UK Limited
- 2019-03-19📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2018-11-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-11-09🔒Charge registered #1Lender: Community Investment Facility Limited
- 2018-10-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-10-11➕KALLNAUCKAS, Paul appointeddirector
- 2018-10-11➕MOORHOUSE, Sarah Laura appointeddirector
- 2018-10-02🏢Company incorporatedAs BCRS CIEF LIMITED
- 2018-10-02➕DEAKIN, Stephen John appointeddirector
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 70 — succession pressure is live.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Bcrs Business Loans Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Bcrs Business Loans Limited
Corporate parent · holds 75-100% shares
⬇
BCRS CIEF LIMITED
This company · 11600189
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 |
|---|---|---|---|---|
Bcrs Business Loans Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 02/10/2018 |
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
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|---|---|---|---|---|---|---|---|
| 27M CASH MANAGEMENT LTD→ 15873332 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A.R DEVELOPMENTS (MIDLANDS) LTD→ 11343318 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACCOUNTING CONSULTANCY SERVICES LTD→ 10968955 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| AESORA LIMITED→ 15542451 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| APPLEGREEN TRADING & INVESTMENTS UK LTD→ 13098966 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ASTUTE FINANCIAL PLANNING LIMITED→ 15426194 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AUTONOMY WEALTH LIMITED→ 09560129 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| AVERY KNIGHTS FINANCIAL SOLUTIONS LTD→ 09399383 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| AXCESS MERCHANT SERVICES LIMITED→ 06238333 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| BAINS FINANCIAL SERVICES LIMITED→ 11609960 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BELVIDE FINANCE LIMITED→ 11169877 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BESTCARLEASING LTD→ 16085905 · 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
Incorporated2018-10-02
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
Technology Centre Wolverhampton Science Park
Glaisher Drive
Wolverhampton
WV10 9RU
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-15
Last: 2025-10-01
Officers (3 active · 3 resigned)
DEAKIN, Stephen John→
Activedirector · ~49y · appointed 2018-10-02
View their other companies + combined net worth →
LEIGH, Emma Caroline→
Activedirector · ~51y · appointed 2024-09-16
View their other companies + combined net worth →
SMEE, Paul Howard→
Activedirector · ~70y · appointed 2024-04-30
View their other companies + combined net worth →
DUNN, Caroline Jayne→
Resigneddirector · ~53y · appointed 2022-07-11 · resigned 2024-04-30
KALLNAUCKAS, Paul→
Resigneddirector · ~72y · appointed 2018-10-11 · resigned 2020-03-31
MOORHOUSE, Sarah Laura→
Resigneddirector · ~43y · appointed 2018-10-11 · resigned 2022-09-21
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Triodos Bank UK Triodos Bank UK Limited | A registered charge | — | 27/09/2019 | — | |
| outstanding | Community Investment Facility Community Investment Facility Limited | A registered charge | — | 09/11/2018 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (27 total)
accounts-with-accounts-type-small
accounts · AA
2025-10-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-09
accounts-with-accounts-type-small
accounts · AA
2024-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-08
appoint-person-director-company-with-name-date
officers · AP01
2024-09-25
termination-director-company-with-name-termination-date
officers · TM01
2024-04-30
appoint-person-director-company-with-name-date
officers · AP01
2024-04-30
accounts-with-accounts-type-small
accounts · AA
2023-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-07
termination-director-company-with-name-termination-date
officers · TM01
2022-10-06
accounts-with-accounts-type-small
accounts · AA
2022-09-28
appoint-person-director-company-with-name-date
officers · AP01
2022-07-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-04
accounts-with-accounts-type-small
accounts · AA
2021-09-20