B & V RICHARDSON PROPERTIES LTD
🏛️Establishedactive
13238491 · ltd · incorporated 2021-03-02
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£69.4k
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and bankable structure.
Opportunity 73/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -91% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
2 live charges · oldest 4.9y
35/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~4.9 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
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
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
17 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
73/100Strong
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £69,353
Cash draining
Cash down 91% YoY
Cash YoY
-91%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£306
↓ 91% YoY
Net Worth
£69k
↑ 19% YoY
Current Assets
£306
↓ 97% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £662.2k | £670.3k |
| Current assets | £306 | £12.0k |
| Cash | £306 | £3.5k |
| Debtors | — | £8.5k |
| Net assets | £69.4k | £58.2k |
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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
- 2025-12-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-12-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-12-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-12-02📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-07-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-19📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-19📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-07-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-08-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-06🔒Charge registered #2Lender: Cumberland Building Society
- 2021-08-06🔒Charge registered #1Lender: Cumberland Building Society
- 2021-03-02🏢Company incorporatedAs B & V RICHARDSON PROPERTIES LTD
- 2021-03-02➕RICHARDSON, Benjamin Thomas appointeddirector
- 2021-03-02➕RICHARDSON, Virginia Millicent appointeddirector
- 2021-03-02📄incorporation-companyincorporation · NEWINC
Owner dependency
86/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "RICHARDSON" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 5 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Benjamin Thomas Richardson Individual · British · DOB 01/1978 · age 48 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 02/03/2021 |
Mrs Virginia Millicent Richardson Individual · British · DOB 09/1978 · age 48 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 02/03/2021 |
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 · Property · CA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BC DEVELOPMENTS GROUP LTD→ 15622045 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| BIRCH HOUSE PROPERTIES LTD→ 17018250 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BOOMALLI PROPERTY LTD→ 16819764 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BORDER VEHICLE REPAIRS LIMITED→ 11461632 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BOWMAN PROPERTY GROUP LIMITED→ 16668447 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BPK PROPERTIES LIMITED→ 03918177 · est 2000 · no financials extracted | — | — | — | — | 26y | — | — |
| BRANDAL HOME INVESTMENTS LIMITED→ 12951429 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BRANTHWAITE HALL AGRICULTURAL LIMITED→ 03144665 · est 1996 · no financials extracted | — | — | — | — | 30y | — | — |
| BRANTWOOD PROPERTY (CUMBRIA) LTD→ 16000849 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BRASSFORD LTD→ 16751565 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BRICK IN THE WALL LTD→ 12027196 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BRICKOLINI LTD→ 13150737 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2021-03-02
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Ouse Bridge House
Bassenthwaite Lake
Cockermouth
CA13 9YD
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-15
Last: 2026-03-01
Officers (2 active · 0 resigned)
RICHARDSON, Benjamin Thomas→
Activedirector · ~48y · appointed 2021-03-02
View their other companies + combined net worth →
RICHARDSON, Virginia Millicent→
Activedirector · ~48y · appointed 2021-03-02
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Cumberland Building Society | A registered charge | 1 property | 06/08/2021 | — | |
| outstanding | Cumberland Building Society | A registered charge | 1 property | 06/08/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (17 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-12
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-14
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-01
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-12-02
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-07-20
change-person-director-company-with-change-date
officers · CH01
2022-07-19
change-person-director-company-with-change-date
officers · CH01
2022-07-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-07-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-07-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-08-24