BELIEVE SPECIALIST FINANCE LIMITED
🌿Early-stageactive
13913115 · ltd · incorporated 2022-02-14
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 Dec 2024
Net worth
£-196.2k
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 70/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: high (84/100)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
Confirmed no charges registered
85
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
21 connected companies via shared directors
90
Filing history
21 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £196,169
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
-£196k
↓ 356% YoY
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Net assets | £-196.2k | £-43.1k |
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
0
filings
Last 180 days
4
filings
- • 2 officers
- • 1 confirmation-statement
- • 1 incorporation
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2026-03-26📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-01➕GIBSON, Jeremy Paul appointeddirector
- 2026-01-21📄memorandum-articlesincorporation · MA
- 2026-01-08📄resolutionresolution · RESOLUTIONS
- 2025-12-17📄accounts-with-accounts-type-fullaccounts · AA
- 2024-10-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-04📄change-person-director-company-with-change-dateofficers · CH01
- 2023-10-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-03-13📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2023-02-20📄change-person-director-company-with-change-dateofficers · CH01
- 2022-02-18📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2022-02-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-02-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-02-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-02-14🏢Company incorporatedAs BELIEVE SPECIALIST FINANCE LIMITED
- 2022-02-14➕JOHNSON, Ian William appointeddirector
- 2022-02-14➕WAGSTAFF, Ryan Oliver appointeddirector
- 2022-02-14➕DUKE, Michael appointeddirector
- 2022-02-14➖DUKE, Michael resigneddirector
- 2022-02-14📄incorporation-companyincorporation · NEWINC
Owner dependency
50/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Believe Money Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Believe Money Group Limited
Corporate parent · holds 75-100% shares · board control
⬇
BELIEVE SPECIALIST FINANCE LIMITED
This company · 13913115
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Believe Money Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 14/02/2022 |
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 · DN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CARRMICHAELS LIMITED→ 06373179 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| CATHY GALE LIMITED→ 13225431 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CDN MORTGAGES LIMITED→ 11731791 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CF ESTATES (YORKSHIRE) LIMITED→ 12797891 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CHEQUES AND CHECKINS LTD→ 16887078 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CITYNET INSURANCE BROKERS LIMITED→ 03933031 · est 2000 · no financials extracted | — | — | — | — | 26y | — | — |
| CLEAR FINANCE AND INSURANCE LTD→ 10303342 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| CLEARWATER SECURITIES LIMITED→ 01798113 · est 1984 · no financials extracted | — | — | — | — | 42y | — | — |
| COATES & CO UK LIMITED→ 10813811 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| COMMERCIAL CAPITAL PARTNERS LTD→ 15940229 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| COMMERCIAL FINANCE LTD.→ 06188873 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| COMMERCIALANDBRIDGING LIMITED→ 08225319 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
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
Incorporated2022-02-14
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
1st Floor Barclays Bank
Heavens Walk
Doncaster
South Yorkshire
DN4 5HZ
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-04
Last: 2026-02-18
Officers (3 active · 1 resigned)
GIBSON, Jeremy Paul→
Activedirector · ~53y · appointed 2026-02-01
View their other companies + combined net worth →
JOHNSON, Ian William→
Activedirector · ~48y · appointed 2022-02-14
View their other companies + combined net worth →
WAGSTAFF, Ryan Oliver→
Activedirector · ~42y · appointed 2022-02-14
View their other companies + combined net worth →
DUKE, Michael→
Resigneddirector · ~67y · appointed 2022-02-14 · resigned 2022-02-14
Click a director name to see their full track record across all companies.
Recent filings (21 total)
change-person-director-company-with-change-date
officers · CH01
2026-03-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-04
appoint-person-director-company-with-name-date
officers · AP01
2026-02-09
memorandum-articles
incorporation · MA
2026-01-21
resolution
resolution · RESOLUTIONS
2026-01-08
accounts-with-accounts-type-full
accounts · AA
2025-12-17
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-09
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-05
change-person-director-company-with-change-date
officers · CH01
2024-03-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-02
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2023-03-13
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2023-03-13
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-20
change-person-director-company-with-change-date
officers · CH01
2023-02-20