BELLA MERCIA MORTGAGE SERVICES LIMITED
🏛️Establishedactive
12304908 · ltd · incorporated 2019-11-08
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
£7.7k
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
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. Most likely exit: strategic trade sale (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
3 officers (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
23 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
70
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 £7,710
Net assets shrinking
Down £1,856 YoY
Cash YoY
+53%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£8k
↑ 53% YoY
Net Worth
£8k
↓ 19% YoY
Current Assets
£9k
↑ 49% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £7.7k | £9.6k |
| Current assets | £8.7k | £5.9k |
| Cash | £8.2k | £5.4k |
| Debtors | £498 | £498 |
| Net assets | £7.7k | £9.6k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2025-08-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-03📄capital-cancellation-sharescapital · SH06
- 2025-07-03📄capital-cancellation-sharescapital · SH06
- 2025-07-03📄capital-return-purchase-own-sharescapital · SH03
- 2025-07-03📄capital-return-purchase-own-sharescapital · SH03
- 2025-06-27📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-06-16➕BAYLEY, Caris Alexandra appointeddirector
- 2025-06-16📄change-person-director-company-with-change-dateofficers · CH01
- 2025-06-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-11📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-09📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2019-12-23📄capital-allotment-sharescapital · SH01
- 2019-11-08🏢Company incorporatedAs BELLA MERCIA MORTGAGE SERVICES LIMITED
- 2019-11-08➕BELL, Sally Angela appointeddirector
- 2019-11-08➕BELL, Simon Michael John, Brig appointeddirector
- 2019-11-08📄incorporation-companyincorporation · NEWINC
Owner dependency
88/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Founder name in company name: Company name contains director surname "BELL" — strong identity link between founder and business.
- +Founder age: Director aged approximately 71 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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 71 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.)
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Caris Alexandra Bayley Individual · British · DOB 10/1977 · age 49 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 16/06/2025 |
Mrs Sally Angela Bell Individual · British · DOB 01/1955 · age 71 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 08/11/2019 |
Brig Simon Michael John Bell Individual · British · DOB 06/1955 · age 71 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 08/11/2019 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| ACCELERATE FINANCIAL SOLUTIONS LTD→ 15706564 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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| ALVESTOKE FINANCE LIMITED→ 08443392 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| BALL CAPITAL INVESTMENT LIMITED→ 07587493 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| BARKERS FINANCE LTD→ 10296209 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BARNETT & MERRIMAN LIMITED→ 12559940 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| BARRIE HOUGH SERVICES (STOKE ON TRENT) LIMITED→ 04360345 · est 2002 · no financials extracted | — | — | — | — | 24y | — | — |
| BARRINGTON JARVIS LIMITED→ 02720612 · est 1992 · no financials extracted | — | — | — | — | 33y | — | — |
| BELLAZENHEALTH LTD→ 16938160 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BH FINANCE LTD→ 11747139 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| BH HOLDINGS (STOKE ON TRENT) LIMITED→ 09203236 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated2019-11-08
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
Field House
Stafford Road
Aston-By-Stone
Staffordshire
ST15 0BH
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-21
Last: 2025-11-07
Officers (3 active · 0 resigned)
BAYLEY, Caris Alexandra→
Activedirector · ~49y · appointed 2025-06-16
View their other companies + combined net worth →
BELL, Sally Angela→
Activedirector · ~71y · appointed 2019-11-08
View their other companies + combined net worth →
BELL, Simon Michael John, Brig→
Activedirector · ~71y · appointed 2019-11-08
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (23 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-08
capital-cancellation-shares
capital · SH06
2025-07-03
capital-cancellation-shares
capital · SH06
2025-07-03
capital-return-purchase-own-shares
capital · SH03
2025-07-03
capital-return-purchase-own-shares
capital · SH03
2025-07-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-06-27
change-person-director-company-with-change-date
officers · CH01
2025-06-16
appoint-person-director-company-with-name-date
officers · AP01
2025-06-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-11
change-person-director-company-with-change-date
officers · CH01
2024-11-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-07