BOWLAND FINANCE LIMITED
Opportunity 78/100 (strong), bankability 80/100. Strong seller-intent signal (60/100, director aged 72). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 4.2y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~4.2 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £423.9k | £236.8k |
| Current assets | £6.14M | £5.05M |
| Net assets | £423.9k | £236.8k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
Corporate timeline (19 events)Click to expand
- 2025-10-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-07📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-02-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-31➖ROSSITER, Paul resignedsecretary
- 2025-01-31➖ROSSITER, Paul resigneddirector
- 2024-10-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-10-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-04-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-04-20🔒Charge registered #1Lender: Hsbc UK Bank PLC
- 2021-08-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-25📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2020-01-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-01-10➕ROSSITER, Paul appointeddirector
- 2019-11-25➕ROSSITER, Paul appointedsecretary
- 2019-11-25📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2019-11-20🏢Company incorporatedAs BOWLAND FINANCE LIMITED
- 2019-11-20➕MORPHET, John Charles appointeddirector
- 2019-11-20📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder age: Director aged approximately 72 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 72 years old. Natural succession window is now.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Charles Morphet Individual · British · DOB 11/1954 · age 72 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 20/11/2019 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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8 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 →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
Registered office
Filing status
Officers (1 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 20/04/2022 | — |