BURY COMMERCIAL FINANCE LIMITED

🏛️Establishedactive
12372955 · ltd · incorporated 2019-12-20
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 Aug 2024
Net worth
—
book net assets
Opportunity
63/100
Worth a look
🔔
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 63/100 (worth a look), bankability 65/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: medium (73/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
36 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
63/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
55
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-08-31
Average employees200

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

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 (26 events)Click to expand
  1. 2025-10-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2025-10-08
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  3. 2025-03-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-05-31
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  6. 2023-05-01
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2023-04-25
    ➖
    MCLEOD, Jacqueline Danielle resigned
    director
  8. 2023-03-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2023-02-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2023-01-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2022-09-28
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  12. 2021-12-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2021-06-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2021-06-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2021-05-28
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  16. 2021-05-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2021-05-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  18. 2021-05-12
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2021-05-11
    ➕
    MCLEOD, Jacqueline Danielle appointed
    director
  20. 2021-02-26
    📄
    resolution
    resolution · RESOLUTIONS
  21. 2021-01-05
    ➖
    SMETHURST, Joshua resigned
    director
  22. 2021-01-05
    📄
    capital-allotment-shares
    capital · SH01
  23. 2019-12-20
    🏢
    Company incorporated
    As BURY COMMERCIAL FINANCE LIMITED
  24. 2019-12-20
    ➕
    HAYES, Samantha appointed
    director
  25. 2019-12-20
    ➕
    SMETHURST, Daniel appointed
    director
  26. 2019-12-20
    ➕
    SMETHURST, Joshua appointed
    director

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

1 high ·
Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-05-08

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Ms Samantha Hayes
Individual · British · DOB 05/1981 · age 45
25–50%
25–50%25-50% shares · 25-50% voting20/12/2019
Mr Daniel Smethurst
Individual · British · DOB 06/1981 · age 45
25–50%
25–50%25-50% shares · 25-50% voting20/12/2019
1 historic (ceased) PSC
  • Mr Joshua Smethurstceased 05/01/2021· 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 →

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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 →
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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.

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Company details

Statusactive
Typeltd
Incorporated2019-12-20
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

15 Knowsley Street
Bury
BL9 0ST
England

Filing status

Accounts
Next due: 2026-11-30
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-05-08OVERDUE
Last: 2025-04-24

Officers (2 active · 2 resigned)

HAYES, Samantha→
director · ~45y · appointed 2019-12-20
View their other companies + combined net worth →
Active
SMETHURST, Daniel→
director · ~45y · appointed 2019-12-20
View their other companies + combined net worth →
Active
MCLEOD, Jacqueline Danielle→
director · ~46y · appointed 2021-05-11 · resigned 2023-04-25
Resigned
SMETHURST, Joshua→
director · ~30y · appointed 2019-12-20 · resigned 2021-01-05
Resigned

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

Recent filings (36 total)

change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-08
change-account-reference-date-company-current-extended
accounts · AA01
2025-10-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-28
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-20
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-24
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-27
change-account-reference-date-company-current-shortened
accounts · AA01
2023-05-31
termination-director-company-with-name-termination-date
officers · TM01
2023-05-01
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-08
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-04
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-01-04
change-account-reference-date-company-previous-shortened
accounts · AA01
2022-09-28
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-04