ASCOT BRIDGING FINANCE 3 LIMITED
🏛️Establishedactive
13276850 · ltd · incorporated 2021-03-18
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 Mar 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 79/100 (strong), bankability 80/100. 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
1 live charge · oldest 4.8y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.8 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · 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
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
15 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · IFRS| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | — | £575.2k |
| Current assets | — | £597.2k |
| Net assets | — | £27.0k |
| Average employees | 0 | — |
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
0
filings
Last 90 days
2
filings
- • 1 confirmation-statement
- • 1 officers
Last 180 days
3
filings
- • 1 confirmation-statement
- • 1 officers
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
- 2026-04-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-01➕MCGUINNESS, Daniel Joseph appointeddirector
- 2025-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-10-23➖GIBSON, David resigneddirector
- 2023-10-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-06-07📄gazette-filings-brought-up-to-dategazette · DISS40
- 2023-06-06📄gazette-notice-compulsorygazette · GAZ1
- 2022-12-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-26🔒Charge registered #1Lender: Securus Capital Limited
- 2021-03-18🏢Company incorporatedAs ASCOT BRIDGING FINANCE 3 LIMITED
- 2021-03-18➕GIBSON, Alison Deborah appointeddirector
- 2021-03-18➕GIBSON, Kevin David appointeddirector
- 2021-03-18➕GIBSON, David appointeddirector
- 2021-03-18📄incorporation-companyincorporation · NEWINC
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 67 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
50/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
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
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Kevin David Gibson Individual · British · DOB 08/1981 · age 45 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 18/03/2021 |
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 · Financial services · WA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BENNETT, BEETHAM, BLENKINSOP & PARTNERS LTD→ 03643174 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| BESPOKE ASSET FINANCE LTD→ 07276299 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| BESPOKE FINANCIAL (NORTH WEST) LIMITED→ 09229631 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| BESPOKE FUNDING SOLUTIONS LIMITED→ 11534444 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BEST FIT MORTGAGES LTD→ 15722235 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BH FINANCIAL SERVICES LTD→ 09788679 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| BIRCHTREE MORTGAGES LTD→ 15822957 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BIRCHWOOD MORTGAGES LIMITED→ 07716971 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BIRTWISTLE PROPERTIES LTD→ 11711272 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BITTREX GLOBAL (UK) LIMITED→ 14201661 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BLACKBIRD YARD NOM2 LIMITED→ 15034350 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BLOOM INSURANCE SERVICES LIMITED→ 11271449 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
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
Incorporated2021-03-18
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Unit 8 Webster Court Carina Park
Westbrook
Warrington
WA5 8WD
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-31
Last: 2026-03-17
Officers (3 active · 1 resigned)
GIBSON, Alison Deborah→
Activedirector · ~67y · appointed 2021-03-18
View their other companies + combined net worth →
GIBSON, Kevin David→
Activedirector · ~45y · appointed 2021-03-18
View their other companies + combined net worth →
MCGUINNESS, Daniel Joseph→
Activedirector · ~53y · appointed 2026-03-01
View their other companies + combined net worth →
GIBSON, David→
Resigneddirector · ~68y · appointed 2021-03-18 · resigned 2023-10-23
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Securus Capital Securus Capital Limited | A registered charge | — | 26/08/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (15 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-22
appoint-person-director-company-with-name-date
officers · AP01
2026-04-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-30
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-26
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-22
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-31
termination-director-company-with-name-termination-date
officers · TM01
2023-10-23
gazette-filings-brought-up-to-date
gazette · DISS40
2023-06-07
gazette-notice-compulsory
gazette · GAZ1
2023-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-05
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-09-14
incorporation-company
incorporation · NEWINC
2021-03-18