BRD FINANCIAL LTD

🏛️Establishedactive
11894164 · ltd · incorporated 2019-03-20
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 Mar 2025
Net worth
£26.1k
book net assets
Opportunity
72/100
Strong
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 72/100 (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 (65/100).

Data confidence

Overall: medium (79/100)

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
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
28 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
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
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £26,090

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£26k
↑ 101% YoY
Current Assets
£38k
↑ 233% YoY
Current Liabilities
—
£0£8k£15k£23k£30k£38kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-03-312024-03-31
Total assets£26.1k£13.0k
Current assets£38.1k£11.4k
Net assets£26.1k£13.0k

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
5
filings
  • • 2 persons-with-significant-control
  • • 2 officers
  • • 1 confirmation-statement
Last 90 days
5
filings
  • • 2 persons-with-significant-control
  • • 2 officers
  • • 1 confirmation-statement
Last 180 days
5
filings
  • • 2 persons-with-significant-control
  • • 2 officers
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2026-06-03
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  2. 2026-06-03
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  3. 2026-06-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  4. 2026-06-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2025-12-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2024-06-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2024-03-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2024-03-18
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  9. 2024-03-18
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2024-03-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2023-12-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2022-11-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2021-11-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2021-07-28
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  15. 2021-07-27
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  16. 2021-02-04
    📄
    capital-allotment-shares
    capital · SH01
  17. 2020-12-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2019-03-20
    🏢
    Company incorporated
    As BRD FINANCIAL LTD
  19. 2019-03-20
    ➕
    DAVIS, Benjamin Robert appointed
    director
  20. 2019-03-20
    ➕
    DAVIS, Emma Therese appointed
    director
  21. 2019-03-20
    ➕
    DAVIS, Emma Therese appointed
    director
  22. 2019-03-20
    ➖
    DAVIS, Emma Therese resigned
    director

Owner dependency

66/100
High — earn-out structure required

Material 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 signal

Limited 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr Benjamin Robert Davis
Individual · British · DOB 03/1988 · age 38
50–75%
50–75%board control50-75% shares · 50-75% voting · board control20/03/2019
Mrs Emma Therese Davis
Individual · British · DOB 03/1984 · age 42
25–50%
25–50%25-50% shares · 25-50% voting06/04/2020
2 historic (ceased) PSCs
  • Mrs Emma Therese Davisceased 06/04/2020· 25-50% shares · 25-50% voting
  • Mrs Emma Therese Davisceased 20/03/2019· 25-50% shares · 25-50% voting

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 · MK postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
BEDFORD MORTGAGE AND FINANCE LIMITED→
16654251 · est 2025 · no financials extracted
———————
BLACK KNIGHT FINANCIAL SERVICES LIMITED→
16255110 · est 2025 · no financials extracted
————1y——
BLUE STRIPE SAUCER LTD→
12671942 · est 2020 · no financials extracted
————5y——
BLUEROCK SECURED FINANCE LIMITED→
06944649 · est 2009 · no financials extracted
————16y——
BOAZ SERVICES LIMITED→
07663673 · est 2011 · no financials extracted
————14y——
BOB GIBBS FINANCIAL PLANNING LIMITED→
09432001 · est 2015 · no financials extracted
————11y——
BOOSST FINANCIAL LIMITED→
10831070 · est 2017 · no financials extracted
————8y——
BOOSST LIMITED→
05536508 · est 2005 · no financials extracted
————20y——
BPHA FINANCE PLC→
08926923 · est 2014 · no financials extracted
————12y——
BRAINTREE INSURANCE SERVICES LTD→
14955501 · est 2023 · no financials extracted
————2y——
BRAYMAD LIMITED→
13701279 · est 2021 · no financials extracted
————4y——
BRIAN N. TOWNLEY AND COMPANY LIMITED→
01493709 · est 1980 · no financials extracted
————45y——
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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.

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
Incorporated2019-03-20
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

27 St. Cuthberts Street
Bedford
MK40 3JG
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-18
Last: 2026-04-04

Officers (2 active · 1 resigned)

DAVIS, Benjamin Robert→
director · ~38y · appointed 2019-03-20
View their other companies + combined net worth →
Active
DAVIS, Emma Therese→
director · ~42y · appointed 2019-03-20
View their other companies + combined net worth →
Active
DAVIS, Emma Therese→
director · ~42y · appointed 2019-03-20 · resigned 2019-03-20
Resigned

Click a director name to see their full track record across all companies.

Recent filings (28 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-06-03
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-06-03
appoint-person-director-company-with-name-date
officers · AP01
2026-06-03
termination-director-company-with-name-termination-date
officers · TM01
2026-06-03
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-11
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-17
change-person-director-company-with-change-date
officers · CH01
2024-03-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-03-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-03-18
change-person-director-company-with-change-date
officers · CH01
2024-03-18
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-11