BLUE HORIZON FINANCIAL LTD
- · Oldest live charge 15.6y old — refinance window within 12 months
No material changes in the last 30 days.
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
Opportunity 68/100 (strong), bankability 55/100. Strong seller-intent signal (83/100, director aged 68). Biggest value-creation lever: Resolve: 3 insolvency-related filings on record. Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding. Most likely exit: share sale to pe / searcher (50/100).
Refinance opportunity
1 live charge · oldest 15.6y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 15.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: high (80/100)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 | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Average employees | 2600 | 2600 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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
Corporate timeline (27 events)Click to expand
- 2025-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-28📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-08-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-29➖JOHNSTON, James Alexander Hugh resigneddirector
- 2020-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2019-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-05-15➖MCCANDLESS, Christopher resigneddirector
- 2019-05-09⚠️liquidation-completion-of-voluntary-arrangement-northern-irelandinsolvency · 1.4(NI)
- 2019-01-10⚠️liquidation-supervisors-abstracts-of-receipts-payments-northern-irelandinsolvency · 1.3(NI)
- 2018-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-01-09⚠️liquidation-supervisors-abstracts-of-receipts-payments-northern-irelandinsolvency · 1.3(NI)
- 2017-07-27📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2010-10-18🔒Charge registered #1Lender: The Governor & Company of the Bank of Ireland
- 2003-07-07🏢Company incorporatedAs BLUE HORIZON FINANCIAL LTD
- 2003-07-07➕GAGE, James Beattie appointedsecretary
- 2003-07-07➕GAGE, James Beattie appointeddirector
- 2003-07-07➕GRAHAM, Duncan appointeddirector
- 2003-07-07➕JOHNSTON, James Alexander Hugh appointeddirector
- 2003-07-07➕MCCANDLESS, Christopher appointeddirector
- 2003-07-07➕CS DIRECTOR SERVICES LIMITED appointedcorporate-director
- 2003-07-07➖CS DIRECTOR SERVICES LIMITED resignedcorporate-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 68 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 high · 1 med ·Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2019-05-09: liquidation-completion-of-voluntary-arrangement-northern-ireland; 2019-01-10: liquidation-supervisors-abstracts-of-receipts-payments-northern-ireland
Companies House flags prior insolvency events. Review the insolvency filings for context.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr James Beattie Gage Individual · British · DOB 10/1962 · age 64 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Duncan Graham Individual · British · DOB 09/1958 · age 68 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
2 historic (ceased) PSCs
- Mr James Alexander Hugh Johnstonceased 29/03/2021· 25-50% shares · 25-50% voting
- Mr Christopher Mccandlessceased 15/05/2019· 25-50% shares · 25-50% voting
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 (3 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Governor & Company of the Bank of Ireland | Debenture | 1 property | 18/10/2010 | — |