BULLFINCH EQUITY RELEASE LTD
🏛️Establishedactive
11664660 · ltd · incorporated 2018-11-07
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 Nov 2024
Net worth
£34.4k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 77/100 (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: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (78/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
20 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
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
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £34,376
Net assets shrinking
Down £10,036 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£34k
↓ 23% YoY
Current Assets
£12k
↓ 35% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £34.4k | £44.4k |
| Current assets | £12.4k | £19.1k |
| Net assets | £34.4k | £44.4k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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 (16 events)Click to expand
- 2025-08-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-05-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-06-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-06-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-06-07➕CAGE, Anita appointeddirector
- 2022-03-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-06📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2021-02-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-14📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2018-11-07🏢Company incorporatedAs BULLFINCH EQUITY RELEASE LTD
- 2018-11-07➕CAGE, Christopher appointeddirector
- 2018-11-07📄incorporation-companyincorporation · NEWINC
Owner dependency
79/100
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.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
56/100
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.
- 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
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Christopher Cage Individual · English · DOB 01/1966 · age 60 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 07/11/2018 |
Mrs Anita Cage Individual · English · DOB 10/1963 · age 63 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/08/2023 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| BUKMARIS CONSULTING LTD→ 09963110 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
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| BURYLLEB LTD→ 12956080 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CAFÉ IB COMPANY LIMITED→ 09853332 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CALLAWAY & SONS INSURANCE CONSULTANTS LIMITED→ 03914955 · est 2000 · no financials extracted | — | — | — | — | 26y | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
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6 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.
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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
Incorporated2018-11-07
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Lyndale 2 Hillwood Close
Hutton
Brentwood
CM13 2PE
England
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-09-15
Last: 2025-09-01
Officers (2 active · 0 resigned)
Active
CAGE, Christopher→
Activedirector · ~60y · appointed 2018-11-07
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (20 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-08-15
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-02
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-27
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-09-18
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-01
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-08
appoint-person-director-company-with-name-date
officers · AP01
2022-06-20
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-08
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-03
change-account-reference-date-company-previous-shortened
accounts · AA01
2021-08-06
accounts-with-accounts-type-micro-entity
accounts · AA
2021-02-03