DRUMBEARN LIMITED

🌳Matureactive

NI054292 · ltd · incorporated 2005-03-12

Investment thesis

Looks cheap but ownership + security both unclear — probable value trap.

Why interesting: Headline metrics may be attractive.

Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 19.0y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

83/100

Exceptional

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with exceptional profile and acceptable with review structure.

Opportunity 83/100 (exceptional), bankability 67/100. 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. 3 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 19.0y

50/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 19.0 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: low (52/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

9 officers (6 active, 9 linked, 6 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

27 connected companies via shared directors

Filing history

65 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 mortgage

Last 180 days

filing

• 1 mortgage

Counts from Companies House filing history.

Corporate timeline (32 events)Click to expand

2026-04-02
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-30
🔒
Charge registered #2
Lender: Hsbc UK Bank PLC
2025-10-06
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-15
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-06
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-22
➖
O'NEILL, Angela resigned
director
2023-09-22
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-04-17
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-11-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-05
➕
O'NEILL, Aidan Patrick appointed
director
2021-11-05
➕
O'NEILL, Paul Francis appointed
director
2021-11-05
➕
TURKINGTON, Mary Catherine appointed
director
2021-11-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-11-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-11-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-10-08
📄
change-account-reference-date-company-current-extended
accounts · AA01
2021-06-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-12
➕
O'NEILL, Angela appointed
director
2021-05-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2020-06-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-11-23
📄
accounts-with-accounts-type-dormant
accounts · AA
2018-04-12
📄
accounts-with-accounts-type-dormant
accounts · AA
2016-01-20
🔓
Charge satisfied #1
2007-05-21
🔒
Charge registered #1
Lender: Ulster Bank Ireland Limited
2005-04-22
➕
MCCLUGGAGE, Olive appointed
secretary
2005-04-22
➕
MCCLUGGAGE, Olive Bronagh appointed
director
2005-04-22
➕
O'NEILL, Martin Terence appointed
director
2005-04-22
➖
C.S. SECRETARIAL SERVICES LTD resigned
corporate-secretary
2005-04-22
➖
CS DIRECTOR SERVICES LIMITED resigned
corporate-director
2005-03-12
🏢
Company incorporated
As DRUMBEARN LIMITED
2005-03-12
➕
C.S. SECRETARIAL SERVICES LTD appointed
corporate-secretary
2005-03-12
➕
CS DIRECTOR SERVICES LIMITED appointed
corporate-director

Owner dependency

66/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 60 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

70/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 21 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

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

🔒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 · BT postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
SEOPA LTD→ NI046322 · est 2003	£34.63M £25.18M–£44.07M	£32.38M	—	7500	23y	90	51y
WILLIS & COMPANY (INSURANCE BROKERS) LIMITED→ NI032004 · est 1997	£21.84M £15.89M–£27.80M	—	—	9800	29y	87	81y
LODGE FINANCIAL ADVICE LIMITED→ NI045612 · est 2003	£716.5k £521.1k–£911.9k	—	—	8	23y	83	61y
ACKER DEVELOPMENTS LIMITED→ NI028267 · est 1994 · no financials extracted	—	—	—	—	32y	83	60y
CREATION CONSUMER FINANCE LIMITED→ NI032565 · est 1997 · no financials extracted	—	—	—	—	28y	83	67y
CRN FINANCIAL SERVICES LIMITED→ NI018912 · est 1985	—	—	£178.8k	—	40y	83	64y
GDP PARTNERSHIP LIMITED→ NI605327 · est 2010	—	—	£8.9k	—	15y	83	62y
INSURE I LIMITED→ NI072940 · est 2009	—	—	£1.62M	—	16y	83	66y
M & D FINANCIAL MANAGEMENT LIMITED→ NI049794 · est 2004	—	—	—	600	22y	83	60y
MCGRADY FINANCIAL SERVICES LIMITED→ NI032133 · est 1997	—	—	£215.7k	—	29y	83	60y
MORTGAGE IQ LIMITED→ NI056126 · est 2005	—	—	£18.4k	—	20y	83	58y
SAVAGE & PATTON (FINANCIAL SERVICES) LIMITED→ NI011459 · est 1976	—	—	£397.5k	—	49y	83	64y

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

6 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

Incorporated2005-03-12

Jurisdictionnorthern-ireland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

12 Torrent Business Park

Dungannon

BT70 3BF

Northern Ireland

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-11-04

Last: 2025-10-21