BATH AND WEST FINANCE 7 LIMITED

🏛️Establishedactive

12339728 · ltd · incorporated 2019-11-29

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.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 4.8y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jun 2025

Net worth

—

book net assets

Opportunity

75/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Activities of mortgage finance companies

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 75/100 (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).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 4.8y

60/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Charge age ~4.8 years — mid-life; refi window approaching.
· Two lenders — manageable, but coordination required.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (83/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

7 officers (3 active, 7 linked, 6 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

12 connected companies via shared directors

Filing history

38 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

75/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-06-30	2024-06-30
Total assets	—	£1.50M
Current assets	—	£1.50M
Cash	—	£1.7k
Debtors	—	£1.50M
Net assets	—	£41.8k
Average employees	3	—

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

filings

Last 90 days

filings

• 1 address
• 1 accounts

Last 180 days

filings

• 1 address
• 1 accounts
• 1 change-of-name

Counts from Companies House filing history.

Corporate timeline (37 events)Click to expand

2026-04-01
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-03-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-23
✏️
certificate-change-of-name-company
change-of-name · CERTNM
2025-12-12
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-12-12
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-04-07
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-04-07
📄
change-person-director-company-with-change-date
officers · CH01
2025-04-07
📄
change-person-director-company-with-change-date
officers · CH01
2025-04-02
📄
change-person-director-company-with-change-date
officers · CH01
2025-04-02
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-04-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-04-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-04-01
➕
BIGWOOD, John Peter appointed
director
2025-04-01
➕
DRUCE, Damien Rodney Lee appointed
director
2025-03-31
➖
BRAYBROOK, Scott Lawrence resigned
director
2025-03-07
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-07-01
➖
TABASSUM, Naeem resigned
secretary
2024-07-01
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-05-01
➕
BRAYBROOK, Scott Lawrence appointed
director
2024-05-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-16
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2022-05-13
➕
TABASSUM, Naeem appointed
secretary
2022-05-12
➖
DRUCE, Damien Rodney Lee resigned
director
2022-05-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-03-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-02
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-10-21
🔓
Charge satisfied #1
2021-10-08
🔒
Charge registered #3
Lender: 1SHARPE Capital Gp Llc
2021-10-08
🔒
Charge registered #2
Lender: 1SHARPE Capital Gp Llc
2021-09-03
🔒
Charge registered #1
Lender: Pumpkin Estates Limited
2021-04-06
➕
DRUCE, Damien Rodney Lee appointed
director
2021-02-26
➖
ANDERSON, Matthew resigned
director
2019-11-29
🏢
Company incorporated
As BATH AND WEST FINANCE 7 LIMITED
2019-11-29
➕
SMITH, Martyn Scott appointed
director
2019-11-29
➕
ANDERSON, Matthew appointed
director

Owner dependency

65/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

+Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

50/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.

Red flags

1 med · 1 low

Name changed recently

medium

Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.

Evidence: 2025-12-23: certificate-change-of-name-company

Multiple registered office changes

low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Group structure

Bath And West Finance Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Bath And West Finance Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

BATH AND WEST FINANCE 7 LIMITED

This company · 12339728

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Bath And West Finance Limited Corporate entity	75–100%	75–100%	board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · firm interest	29/11/2024

1 historic (ceased) PSC

Martyn Smithceased 29/11/2024· 75-100% shares · 75-100% voting · board control

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 · BS postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ASSURITY SOLUTIONS LTD→ 07130206 · est 2010 · no financials extracted	—	—	—	—	16y	—	—
BATH AND WEST FINANCE 5 LIMITED→ 14653934 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
BATH AND WEST FINANCE 6 LIMITED→ 15955827 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
BATH AND WEST FINANCE 8 LIMITED→ 13986266 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
BATH AND WEST FINANCE 9 LIMITED→ 13240262 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
BERRYWELL NUTRITION LIMITED→ 14447570 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
BEST MORTGAGE ADVISER LTD→ 11347700 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
BETH @ BEEWISE FS LIMITED→ 16001929 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
BEVAN MONEY FINANCIAL LIMITED→ 15048945 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
BIRNBECK FINANCE LIMITED→ 01158939 · est 1974 · no financials extracted	—	—	—	—	52y	—	—
BISLEY HOUSE BAR AND RESTAURANT LTD→ 16360643 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
BLACK PEARL CAPITAL MANAGEMENT LTD→ 11904700 · est 2019 · no financials extracted	—	—	—	—	7y	—	—

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

Incorporated2019-11-29

Jurisdictionengland-wales

Primary SIC64922 — Activities of mortgage finance companies

Registered office

Second Floor York House

1300 Parkway North

Bristol

Stoke Gifford

BS34 8YU

England

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2026-12-12

Last: 2025-11-28

Officers (3 active · 4 resigned)

BIGWOOD, John Peter→

director · ~59y · appointed 2025-04-01

View their other companies + combined net worth →

Active

DRUCE, Damien Rodney Lee→

director · ~47y · appointed 2025-04-01

View their other companies + combined net worth →

Active

SMITH, Martyn Scott→

director · ~65y · appointed 2019-11-29

View their other companies + combined net worth →

Active

TABASSUM, Naeem→

secretary · appointed 2022-05-13 · resigned 2024-07-01

Resigned

ANDERSON, Matthew→

director · ~62y · appointed 2019-11-29 · resigned 2021-02-26

Resigned

BRAYBROOK, Scott Lawrence→

director · ~58y · appointed 2024-05-01 · resigned 2025-03-31

Resigned

DRUCE, Damien Rodney Lee→

director · ~47y · appointed 2021-04-06 · resigned 2022-05-12

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:3 of 3 shown

		Type	Properties
outstanding	1SHARPE Capital Gp 1SHARPE Capital Gp Llc	A registered charge	—	08/10/2021	—
outstanding	1SHARPE Capital Gp 1SHARPE Capital Gp Llc	A registered charge	—	08/10/2021	—
satisfied	Pumpkin Estates Pumpkin Estates Limited	A registered charge	—	03/09/2021	21/10/2021

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (38 total)

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2026-04-01

accounts-with-accounts-type-micro-entity

accounts · AA

2026-03-30

certificate-change-of-name-company

change-of-name · CERTNM

2025-12-23

confirmation-statement-with-updates

confirmation-statement · CS01

2025-12-13

notification-of-a-person-with-significant-control

persons-with-significant-control · PSC02

2025-12-12

cessation-of-a-person-with-significant-control

persons-with-significant-control · PSC07

2025-12-12

appoint-person-director-company-with-name-date

officers · AP01

2025-04-07

change-person-director-company-with-change-date

officers · CH01

2025-04-07

change-person-director-company-with-change-date

officers · CH01

2025-04-07

change-person-director-company-with-change-date

officers · CH01

2025-04-02

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2025-04-02

appoint-person-director-company-with-name-date

officers · AP01

2025-04-02

termination-director-company-with-name-termination-date

officers · TM01

2025-04-02

accounts-with-accounts-type-unaudited-abridged

accounts · AA

2025-03-07

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-11-28