BESPOKE MORTGAGE & PROTECTION SERVICES LTD

🏛️Establishedactive
11983178 · ltd · incorporated 2019-05-07
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 May 2025
Net worth
£11.3k
book net assets
Opportunity
71/100
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 71/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -55% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (65/100).

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
3 officers (2 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
22 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £11,329
Net assets shrinking
Down £17,320 YoY
Cash draining
Cash down 55% YoY
Cash YoY
-55%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£25k
↓ 55% YoY
Net Worth
£11k
↓ 60% YoY
Current Assets
£29k
↓ 51% YoY
Current Liabilities
—
£0£12k£24k£35k£47k£59kMay 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-05-312024-05-31
Total assets£16.8k£39.3k
Current assets£28.7k£59.0k
Cash£24.5k£54.9k
Debtors£4.1k£4.1k
Net assets£11.3k£28.6k

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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2025-08-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-05-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-05-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2025-04-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2024-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-08-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-06-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-08-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-03-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-05-07
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  11. 2020-05-07
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  12. 2020-04-27
    📄
    capital-name-of-class-of-shares
    capital · SH08
  13. 2020-03-31
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2020-03-21
    ➖
    ELLIS, Yasmin resigned
    secretary
  15. 2020-03-20
    ➕
    RIDLEY, Bridget appointed
    director
  16. 2019-05-16
    📄
    resolution
    resolution · RESOLUTIONS
  17. 2019-05-07
    🏢
    Company incorporated
    As BESPOKE MORTGAGE & PROTECTION SERVICES LTD
  18. 2019-05-07
    ➕
    ELLIS, Mark Bradshaw appointed
    director
  19. 2019-05-07
    ➕
    ELLIS, Yasmin appointed
    secretary
  20. 2019-05-07
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Mark Bradshaw Ellis
Individual · British · DOB 04/1983 · age 43
75–100%
75–100%board control75-100% shares · 75-100% voting · board control07/05/2019
Mrs Bridget Ridley
Individual · British · DOB 07/1984 · age 42
25–50%
—25-50% shares20/03/2020

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 →

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15732122 · est 2024 · no financials extracted
————1y——
BRIDGING FINANCE(NW) LTD→
07235662 · est 2010 · no financials extracted
————15y——
BRIDGING QUICKLY LIMITED→
13014051 · est 2020 · no financials extracted
————5y——
BROOKDALE IFP LIMITED→
07954757 · est 2012 · no financials extracted
————14y——
BROOM INVESTMENT SOLUTIONS LTD→
09189511 · est 2014 · no financials extracted
————11y——
BUCEPHALAS LTD→
13947212 · est 2022 · no financials extracted
————4y——
BUSINESS FINANCE HOUSE LIMITED→
12777443 · est 2020 · no financials extracted
————5y——
BUYSURE TRUST & INSURANCE SERVICES GB LTD→
04747160 · est 2003 · no financials extracted
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BWERALLEY LIMITED→
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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
Incorporated2019-05-07
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

Mechanics House 12 Chester Road
Pentre
Deeside
Flintshire
CH5 2AA
Wales

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-05-19
Last: 2026-05-05

Officers (2 active · 1 resigned)

ELLIS, Mark Bradshaw→
director · ~43y · appointed 2019-05-07
View their other companies + combined net worth →
Active
RIDLEY, Bridget→
director · ~42y · appointed 2020-03-20
View their other companies + combined net worth →
Active
ELLIS, Yasmin→
secretary · appointed 2019-05-07 · resigned 2020-03-21
Resigned

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

Recent filings (22 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-27
change-person-director-company-with-change-date
officers · CH01
2025-05-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-04-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-09