BELLS OF LAZONBY HOLDINGS 2020 LIMITED

🏛️Establishedactive

12498304 · ltd · incorporated 2020-03-04

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 6.3y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2024

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Activities of other holding companies n.e.c.

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and acceptable with review structure.

Opportunity 79/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 6.3y

65/100

clean up first

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

· Oldest live charge is 6.3 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

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

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

8 officers (7 active, 8 linked, 6 with DOB)

Ownership & PSC

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

Director network

4 connected companies via shared directors

Filing history

22 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

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 · FRS 102

Metric	2024-12-31	2023-12-31

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

🔒Filing-note intelligence

3 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

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (27 events)Click to expand

2025-09-08
📄
accounts-with-accounts-type-group
accounts · AA
2024-09-30
📄
accounts-with-accounts-type-group
accounts · AA
2024-03-01
➕
LEFTWICH, Claire appointed
secretary
2024-03-01
➖
SIMMONS, David resigned
secretary
2024-03-01
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-03-01
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2024-01-31
📄
change-person-director-company-with-change-date
officers · CH01
2023-09-26
📄
accounts-with-accounts-type-group
accounts · AA
2022-07-21
📄
accounts-with-accounts-type-group
accounts · AA
2021-09-14
📄
accounts-with-accounts-type-group
accounts · AA
2021-04-27
📄
change-account-reference-date-company-previous-shortened
accounts · AA01
2020-03-18
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-03-17
📄
capital-allotment-shares
capital · SH01
2020-03-16
📄
capital-allotment-shares
capital · SH01
2020-03-16
📄
resolution
resolution · RESOLUTIONS
2020-03-16
📄
resolution
resolution · RESOLUTIONS
2020-03-16
📄
resolution
resolution · RESOLUTIONS
2020-03-06
🔒
Charge registered #1
Lender: Eva Patricia Bell and John Suitor Bell as Trustees of the Eva Patricia Bell (Bunty) Settlement
2020-03-04
🏢
Company incorporated
As BELLS OF LAZONBY HOLDINGS 2020 LIMITED
2020-03-04
➕
BELL, Michael John appointed
director
2020-03-04
➕
BELL, Pollyanna Grace appointed
director
2020-03-04
➕
CALLAGHAN, Philip Gerard appointed
director
2020-03-04
➕
CALLAGHAN, Rachael Elizabeth appointed
director
2020-03-04
➕
CALLAGHAN, Thomas Philip appointed
director
2020-03-04
➕
WARD, Tessa Jane appointed
director
2020-03-04
➕
SIMMONS, David appointed
secretary
2020-03-04
📄
incorporation-company
incorporation · NEWINC

Owner dependency

78/100

High — earn-out structure required

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

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Founder name in company name: Company name contains director surname "BELL" — strong identity link between founder and business.
+Founder age: Director aged approximately 73 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

60/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr Thomas Philip Callaghan Individual · British · DOB 02/1992 · age 34	25–50%	25–50%	25-50% shares · 25-50% voting	04/03/2020

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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BUTTERCUP LETTINGS LTD→ 14808027 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
BUTTERFLY (FINANCE) LIMITED→ 11114401 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
BUTTON ENTERPRISE LIMITED→ 13294222 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
CAMBRIDGE DRIVE MANAGEMENT COMPANY LIMITED→ 08552527 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
CARN OLVA INVESTMENTS LIMITED→ 17118726 · est 2026 · no financials extracted	—	—	—	—	—	—	—
CARRICK'S YARD MANAGEMENT COMPANY LIMITED→ 05280838 · est 2004 · no financials extracted	—	—	—	—	21y	—	—
CARROCK HOUSE (PENRITH) MANAGEMENT COMPANY LIMITED→ 11653327 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
CASTLE MEWS LIMITED→ 02505989 · est 1990 · no financials extracted	—	—	—	—	35y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2020-03-04

Jurisdictionengland-wales

Primary SIC64209 — Activities of other holding companies n.e.c.

Registered office

Edenholme Bakery

Lazonby

Penrith

CA10 1BG

United Kingdom

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-03-17

Last: 2026-03-03