BESPOKE FINANCIAL PROTECT LIMITED
🌿Early-stageactive
13654720 · ltd · incorporated 2021-09-30
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
—
year to Jul 2025
Net worth
—
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
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: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (79/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
25 filings on record
85
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.
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 · FRS 102| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Average employees | 2 | 200 |
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
1
filing
- • 1 accounts
Last 90 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2026-07-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-03📄memorandum-articlesincorporation · MA
- 2024-12-03📄resolutionresolution · RESOLUTIONS
- 2024-11-30📄capital-name-of-class-of-sharescapital · SH08
- 2024-11-30📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2024-11-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-11-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-05-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-05-16📄change-person-director-company-with-change-dateofficers · CH01
- 2024-05-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-24➕SNOWDON, Callum Robert appointeddirector
- 2024-04-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-05-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-16📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-04-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-04-11✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2022-04-08➖SNOWDON, Callum Robert resigneddirector
- 2022-04-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-04-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-04-08📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-09-30🏢Company incorporatedAs BESPOKE FINANCIAL PROTECT LIMITED
- 2021-09-30➕WHITMORE, Janice appointeddirector
- 2021-09-30➕SNOWDON, Callum Robert appointeddirector
- 2021-09-30📄incorporation-companyincorporation · NEWINC
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- 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 |
|---|---|---|---|---|
Miss Janice Whitmore Individual · British · DOB 09/1965 · age 61 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 30/09/2021 |
Mr Callum Robert Snowdon Individual · British · DOB 04/2000 · age 26 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 12/11/2024 |
1 historic (ceased) PSC
- Mr Callum Robert Snowdonceased 08/04/2022· 25-50% shares · 25-50% voting
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 · NE postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BRIDGE THE GAP FINANCE LTD→ 15931799 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CFI 001 LIMITED→ 14995781 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CHARLES & CO. (CONSULTANTS) LIMITED→ 10334090 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| CLAIRE ERRINGTON LIMITED→ 00607864 · est 1958 · no financials extracted | — | — | — | — | 67y | — | — |
| CLIFFORD JAMES LIMITED→ 10562366 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| COMMERCIAL PROPERTY FINANCE CONSULTANCY LIMITED→ 03772879 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| CRAIG GILES WEALTH MANAGEMENT LTD→ 12594999 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CRICHTON WILLS TRUSTS & PROBATE LIMITED→ 07496602 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| CRUSADER CAPITAL LTD→ 16819298 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CRUSADER GROUP LEASING LTD→ 14568040 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CULLINGFORD HENRY LIMITED→ 16608675 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| D H THOMPSON LTD→ 10199960 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2021-09-30
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
C/O Debere Limited Swallow House
Parsons Road
Washington
Tyne And Wear
NE37 1EZ
England
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-04-22
Last: 2026-04-08
Officers (2 active · 1 resigned)
SNOWDON, Callum Robert→
Activedirector · ~26y · appointed 2024-04-24
View their other companies + combined net worth →
WHITMORE, Janice→
Activedirector · ~61y · appointed 2021-09-30
View their other companies + combined net worth →
SNOWDON, Callum Robert→
Resigneddirector · ~26y · appointed 2021-09-30 · resigned 2022-04-08
Click a director name to see their full track record across all companies.
Recent filings (25 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-07-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-30
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-25
memorandum-articles
incorporation · MA
2024-12-03
resolution
resolution · RESOLUTIONS
2024-12-03
capital-name-of-class-of-shares
capital · SH08
2024-11-30
capital-variation-of-rights-attached-to-shares
capital · SH10
2024-11-30
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-11-29
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-29
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-16
change-person-director-company-with-change-date
officers · CH01
2024-05-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-14
appoint-person-director-company-with-name-date
officers · AP01
2024-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-24