BUBBLE FINANCIAL LIMITED
🌱Startupactive
16322650 · ltd · incorporated 2025-03-18
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
- 66290Other activities auxiliary to insurance and pension funding
- 70221Financial management
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 71/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (59/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
9 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
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
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
6
filings
- • 3 persons-with-significant-control
- • 2 officers
- • 1 address
Last 180 days
6
filings
- • 3 persons-with-significant-control
- • 2 officers
- • 1 address
Counts from Companies House filing history.
Corporate timeline (13 events)Click to expand
- 2026-04-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-04-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-04-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-04-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-04-08📄change-person-director-company-with-change-dateofficers · CH01
- 2026-04-08📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-18🏢Company incorporatedAs BUBBLE FINANCIAL LIMITED
- 2025-03-18➕LAMB, Nicholas Stephen appointeddirector
- 2025-03-18➕WILLIAMS, Geraldine Jessie appointeddirector
- 2025-03-18➕LAMB, Simon Christopher appointeddirector
- 2025-03-18➖LAMB, Simon Christopher resigneddirector
- 2025-03-18📄incorporation-companyincorporation · NEWINC
Owner dependency
63/100
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.
- +Young company: Only 1.2 years old — management layer unlikely to be developed.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- 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
3 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Nicholas Stephen Lamb Individual · British · DOB 12/1980 · age 46 | 25–50% | 75–100% | board control75-100% shares · 75-100% voting · board control | 18/03/2025 |
Mrs Geraldine Jessie Williams Individual · British · DOB 07/1974 · age 52 | 25–50% | — | 25-50% shares | 18/03/2025 |
Mr Simon Christopher Lamb Individual · British · DOB 07/1978 · age 48 | 25–50% | — | 25-50% shares | 18/03/2025 |
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
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|---|---|---|---|---|---|---|---|
| 2ND CITY FINANCE LTD→ 13055699 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| A S R FINANCIAL LIMITED→ 14663101 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| A T FINANCIAL SERVICES LTD→ 12628112 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ARMCHAIR ADVISER LTD→ 15852316 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARQ FINANCIAL PLANNING LTD→ 17087763 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BARRINGTON SECURITY ELITE LTD→ 16294621 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BLACK MANOR LIMITED→ 07670717 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BOSS RISK SOLUTIONS LTD→ 13214543 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| BOWBROOK FINANCIAL PLANNERS LTD→ 12816788 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BRIAN WILLIAMS HOLDINGS LIMITED→ 03739719 · est 1999 · no financials extracted | — | — | — | — | 27y | — | — |
| BRYN CAPITAL LIMITED→ 15750168 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BUFIELD CONSULTANTS LIMITED→ 08887656 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
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.
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See pricing →Company details
Statusactive
Typeltd
Incorporated2025-03-18
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Office 4 The Graduation Centre
Progress Drive
Cannock
Staffordshire
WS11 0JF
England
Filing status
Accounts
Next due: 2026-12-18
Last made up to: —
Confirmation statement
Next due: 2026-10-28
Last: 2025-10-14
Officers (2 active · 1 resigned)
LAMB, Nicholas Stephen→
Activedirector · ~46y · appointed 2025-03-18
View their other companies + combined net worth →
WILLIAMS, Geraldine Jessie→
Activedirector · ~52y · appointed 2025-03-18
View their other companies + combined net worth →
LAMB, Simon Christopher→
Resigneddirector · ~48y · appointed 2025-03-18 · resigned 2025-03-18
Click a director name to see their full track record across all companies.
Recent filings (9 total)
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-04-08
change-person-director-company-with-change-date
officers · CH01
2026-04-08
change-person-director-company-with-change-date
officers · CH01
2026-04-08
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-14
termination-director-company-with-name-termination-date
officers · TM01
2025-05-02
incorporation-company
incorporation · NEWINC
2025-03-18