BLUECROFT FINANCE LIMITED
💤Zombieactive
14446071 · ltd · incorporated 2022-10-27
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2024
Net worth
—
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 70/100 (strong), bankability 62/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
17 live charges · 4 lenders · oldest 1.7y
0/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 1.7 years old — likely still in initial term.
- · 4 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (73/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
17 charges (17/17 with lender, 17/17 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →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
55
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-06-30 |
|---|---|
| Average employees | 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
0
filings
Last 90 days
9
filings
- • 7 mortgage
- • 2 persons-with-significant-control
Last 180 days
15
filings
- • 13 mortgage
- • 2 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (57 events)Click to expand
- 2026-04-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-28🔓Charge satisfied #14
- 2026-04-28🔓Charge satisfied #13
- 2026-04-28🔓Charge satisfied #11
- 2026-04-28🔓Charge satisfied #10
- 2026-04-28🔓Charge satisfied #9
- 2026-04-28🔓Charge satisfied #7
- 2026-04-28🔓Charge satisfied #6
- 2026-03-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2026-03-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-02-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-19🔓Charge satisfied #8
- 2026-02-19🔓Charge satisfied #5
- 2026-02-19🔓Charge satisfied #4
- 2026-02-19🔓Charge satisfied #3
- 2026-02-19🔓Charge satisfied #2
- 2026-02-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-18🔓Charge satisfied #1
- 2025-12-02📄resolutionresolution · RESOLUTIONS
- 2025-12-02📄memorandum-articlesincorporation · MA
- 2025-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-25🔒Charge registered #17Lender: Hampshire Trust Bank PLC
- 2025-10-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-13🔓Charge satisfied #16
- 2025-05-15📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2025-03-31📄accounts-with-accounts-type-smallaccounts · AA
- 2025-03-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-13🔒Charge registered #15Lender: Shawbrook Bank Limited
- 2025-03-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-10🔒Charge registered #16Lender: Charles Street Commercial Investments Limited
- 2025-03-07🔒Charge registered #14Lender: Kp & Zp LTD
- 2025-02-04🔒Charge registered #13Lender: Charles Street Commercial Investments Limited
- 2025-01-21🔒Charge registered #12Lender: Charles Street Commercial Investments Limited
- 2025-01-21🔒Charge registered #11Lender: Charles Street Commercial Investments Limited
- 2024-12-19🔒Charge registered #10Lender: Charles Street Commercial Investments Limited
- 2024-12-11🔒Charge registered #9Lender: Charles Street Commercial Investments Limited
- 2024-12-09🔒Charge registered #8Lender: Charles Street Commercial Investments Limited
- 2024-12-09🔒Charge registered #7Lender: Charles Street Commercial Investments Limited
- 2024-11-29🔒Charge registered #6Lender: Charles Street Commercial Investments Limited
Showing most recent 50 of 57 events
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Bluecroft Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Bluecroft Holdings Limited
Corporate parent · holds 75-100% shares
⬇
BLUECROFT FINANCE LIMITED
This company · 14446071
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 |
|---|---|---|---|---|
Bluecroft Holdings Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 18/03/2026 |
1 historic (ceased) PSC
- Bluecroft Traders Limitedceased 18/03/2026· 75-100% shares · 75-100% voting · board control
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 |
|---|---|---|---|---|---|---|---|
| B & S FINANCIAL MANAGEMENT LIMITED→ 02044622 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
| BESPOKE FINANCIAL (NORTH WEST) LIMITED→ 09229631 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| BESPOKE FUNDING SOLUTIONS LIMITED→ 11534444 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 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 | — | — |
| BLOOM INSURANCE SERVICES LIMITED→ 11271449 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BLUECROFT BROKERS LIMITED→ 11942202 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| BLUECROFT FINANCE SUBCO 1 LIMITED→ 16004280 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BLUECROFT FINANCE SUBCO 2 LIMITED→ 16004330 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
10 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
Incorporated2022-10-27
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
6 Ambassador Place
Stockport Road
Altrincham
WA15 8DB
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-06-30
Confirmation statement
Next due: 2026-11-09
Last: 2025-10-26
Officers (1 active · 0 resigned)
GIOVANNI, David→
Activedirector · ~53y · appointed 2022-10-27
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
17
Total charges
3
Outstanding
3
Active lenders
Status:Lender:17 of 17 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Hampshire Trust Bank Hampshire Trust Bank PLC | A registered charge | — | 25/11/2025 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | — | 13/03/2025 | — | |
| satisfied | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | — | 10/03/2025 | 13/10/2025 | |
| satisfied | Kp & Zp Kp & Zp LTD | A registered charge | 1 property | 07/03/2025 | 28/04/2026 | |
| satisfied | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | — | 04/02/2025 | 28/04/2026 | |
| outstanding | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | — | 21/01/2025 | — | |
| satisfied | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | 1 property | 21/01/2025 | 28/04/2026 | |
| satisfied | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | — | 19/12/2024 | 28/04/2026 | |
| satisfied | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | — | 11/12/2024 | 28/04/2026 | |
| satisfied | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | 2 properties | 09/12/2024 | 19/02/2026 | |
| satisfied | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | 1 property | 09/12/2024 | 28/04/2026 | |
| satisfied | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | — | 29/11/2024 | 28/04/2026 | |
| satisfied | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | 1 property | 14/11/2024 | 19/02/2026 | |
| satisfied | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | 1 property | 13/11/2024 | 19/02/2026 | |
| satisfied | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | — | 15/10/2024 | 19/02/2026 | |
| satisfied | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | 1 property | 15/10/2024 | 19/02/2026 | |
| satisfied | Charles Street Commercial Investments Charles Street Commercial Investments Limited | A registered charge | 1 property | 27/09/2024 | 18/02/2026 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (49 total)
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-28
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-28
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-28
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-28
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-28
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-28
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-28
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-03-19
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-03-19
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-19
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-19
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-19
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-19
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-19
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-18