BELLMAN PROPERTIES WINDERMERE LTD
- · Oldest live charge 4.3y old — refinance window within 12 months
Opportunity 72/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
2 live charges · oldest 4.3y
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.3 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.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2026-01-31 | 2025-01-31 |
|---|---|---|
| Total assets | £340.3k | £340.8k |
| Current assets | £13.4k | £14.3k |
| Cash | £5.3k | — |
| Debtors | £8.1k | — |
| Net assets | £23.4k | £23.9k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 accounts
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (18 events)Click to expand
- 2026-05-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-08-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-04-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-04-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-11-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-01➕SMITH, Natalie appointeddirector
- 2023-06-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-10📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2023-03-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-03-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-04🔒Charge registered #2Lender: Interbay Funding Limited
- 2022-03-04🔒Charge registered #1Lender: Interbay Funding Limited
- 2021-09-22🏢Company incorporatedAs BELLMAN PROPERTIES WINDERMERE LTD
- 2021-09-22➕SMITH, Grant William appointeddirector
- 2021-09-22📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Grant William Smith Individual · British · DOB 04/1986 · age 40 | 50–75% | 75–100% | board control75-100% shares · 75-100% voting · board control | 22/09/2021 |
Mrs Natalie Smith Individual · English · DOB 10/1985 · age 41 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/04/2024 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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
Registered office
Filing status
Officers (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | InterBay Interbay Funding Limited | A registered charge | 1 property | 04/03/2022 | — | |
| outstanding | InterBay Interbay Funding Limited | A registered charge | 1 property | 04/03/2022 | — |