HPB BOND LOANS LIMITED
🌿Early-stageactive
13613295 · ltd · incorporated 2021-09-10
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
76/100
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 acceptable with review structure.
Opportunity 76/100 (strong), bankability 70/100. 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).
Data confidence
Overall: medium (59/100)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
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
9 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
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 (9 events)Click to expand
- 2025-07-14📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-07-09📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-05-01📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-09-10🏢Company incorporatedAs HPB BOND LOANS LIMITED
- 2021-09-10➕BABER, Geoffrey Donald appointeddirector
- 2021-09-10➕BOYCE, James Christopher appointeddirector
- 2021-09-10➕BOYCE, Robert Gerald appointeddirector
- 2021-09-10📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2021-09-10📄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 89 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 89 years old. Natural succession window is now.
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
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Geoffrey Donald Baber Individual · British · DOB 10/1945 · age 81 | — | — | sig. influencesignificant influence | 10/09/2021 |
Mr James Christopher Boyce Individual · British · DOB 03/1964 · age 62 | — | — | sig. influencesignificant influence | 10/09/2021 |
Mr Robert Gerald Boyce Individual · British · DOB 07/1937 · age 89 | — | — | sig. influencesignificant influence | 10/09/2021 |
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 · CB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ASE INTERNATIONAL LTD→ 11841295 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| FIDELIUM FINANCIAL PLANNERS LIMITED→ 09548030 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| GO GLOBAL MARKETS LTD→ 16526662 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GRANTA CROWN LIMITED→ 16458894 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HAMMOND’S MORTGAGE SERVICES LIMITED→ 06251076 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| HAVERHILL PROPERTY LTD→ 15227641 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| HIGHLY STRUNG LIMITED→ 03013581 · est 1995 · no financials extracted | — | — | — | — | 31y | — | — |
| IAN BALDWIN FINANCIAL SERVICES LTD→ 12602844 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ID MORTGAGES LIMITED→ 10784484 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| IDEALISTIC FINANCIAL SERVICES LTD→ 09629339 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| IDEALISTIC MORTGAGE SERVICES LTD→ 13593952 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| IFS LIMITED→ 00961158 · est 1969 · no financials extracted | — | — | — | — | 56y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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.
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See pricing →Company details
Statusactive
Typeltd
Incorporated2021-09-10
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Hpb House
Old Station Road
Newmarket
Suffolk
CB8 8EH
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-09-23
Last: 2025-09-09
Officers (3 active · 0 resigned)
BABER, Geoffrey Donald→
Activedirector · ~81y · appointed 2021-09-10
View their other companies + combined net worth →
BOYCE, James Christopher→
Activedirector · ~62y · appointed 2021-09-10
View their other companies + combined net worth →
BOYCE, Robert Gerald→
Activedirector · ~89y · appointed 2021-09-10
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (9 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-11
accounts-with-accounts-type-dormant
accounts · AA
2025-07-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-09
accounts-with-accounts-type-dormant
accounts · AA
2024-07-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-21
accounts-with-accounts-type-dormant
accounts · AA
2023-05-01
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-14
change-account-reference-date-company-current-extended
accounts · AA01
2021-09-10
incorporation-company
incorporation · NEWINC
2021-09-10