BEAR FINANCIAL SERVICES LIMITED

💤Zombieactive
12428296 · ltd · incorporated 2020-01-28
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
70/100
Strong
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66220Activities of insurance agents and brokers
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 70/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. 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: 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, 2 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
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 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
70/100Strong
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
82
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31

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
2
filings
  • • 1 confirmation-statement
  • • 1 address
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2026-02-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2025-08-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-07-30
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  4. 2025-07-30
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2025-03-25
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2024-12-10
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  7. 2024-11-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2023-12-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2023-12-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2023-12-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2023-11-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2023-09-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2023-06-17
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  14. 2023-06-06
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  15. 2022-01-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2021-02-11
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  17. 2020-01-28
    🏢
    Company incorporated
    As BEAR FINANCIAL SERVICES LIMITED
  18. 2020-01-28
    ➕
    ELLIS, Ashley appointed
    director
  19. 2020-01-28
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

80/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

45/100
Moderate signal

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

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

1 low
Multiple registered office changes
low

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

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Ashley Ellis
Individual · British · DOB 04/1986 · age 40
75–100%
75–100%board control75-100% shares · 75-100% voting · board control28/01/2020

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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.

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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
Incorporated2020-01-28
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

Elm Cottage Elm Cottage
Cumley Road
Toot Hill
Essex
CM5 9SJ
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-10
Last: 2026-01-27

Officers (1 active · 0 resigned)

ELLIS, Ashley→
director · ~40y · appointed 2020-01-28
View their other companies + combined net worth →
Active

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

Recent filings (23 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-16
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-08-07
accounts-with-accounts-type-dormant
accounts · AA
2025-07-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-08
accounts-with-accounts-type-dormant
accounts · AA
2024-12-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-11-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-28
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-12-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-12-10
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-15
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-09-02