BATH AND WEST FINANCE 5 LIMITED
Opportunity 75/100 (strong), bankability 62/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 1.8y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.8 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Average employees | 4 | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 signals 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
- • 2 address
- • 1 accounts
- • 2 address
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (25 events)Click to expand
- 2026-04-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-04-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-04-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-04-07📄change-person-director-company-with-change-dateofficers · CH01
- 2025-04-07📄change-person-director-company-with-change-dateofficers · CH01
- 2025-04-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-04-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-04-01➕ANDERSON, Matthew James Robert appointeddirector
- 2025-04-01➕BIGWOOD, John Peter appointeddirector
- 2025-04-01➕DRUCE, Damien Rodney Lee appointeddirector
- 2025-03-31➖BRAYBROOK, Scott Lawrence resigneddirector
- 2024-11-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-10-31📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2024-10-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-27🔒Charge registered #2Lender: Clive Patrick Farrell
- 2024-08-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-22🔒Charge registered #1Lender: Monument Bank Limited
- 2024-05-01➕BRAYBROOK, Scott Lawrence appointeddirector
- 2024-05-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-02-10🏢Company incorporatedAs BATH AND WEST FINANCE 5 LIMITED
- 2023-02-10➕SMITH, Martyn Scott appointeddirector
- 2023-02-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-02-10📄incorporation-companyincorporation · NEWINC
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
Red flags
1 lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
Bath And West Finance Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Bath And West Finance Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 10/02/2023 |
1 historic (ceased) PSC
- Mr Martyn Scott Smithceased 10/02/2023· significant influence
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.
See pricing →Similar companies
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9 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 (4 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Clive Patrick Farrell / Rajna Farrell / Mdp Trustees (Company Number 07106837) / Trustees of the Traitbond Pension Scheme Clive Patrick Farrell / Rajna Farrell / Mdp Trustees Limited (Company Number 07106837) / Trustees of the Traitbond Pension Scheme | A registered charge | 1 property | 27/09/2024 | — | |
| outstanding | Monument Bank Monument Bank Limited | A registered charge | — | 22/08/2024 | — |