BROWNINGS FUNERAL DIRECTORS LTD
- · Oldest live charge 4.3y old — refinance window within 12 months
Opportunity 78/100 (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: share sale to pe / searcher (73/100).
Refinance opportunity
4 live charges · 2 lenders · oldest 4.3y
Refinance viable after a tidy-up — address the highlighted items first.
- · Charge age ~4.3 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
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.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)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 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £252.4k | £239.2k |
| Current assets | £349.2k | £287.1k |
| Net assets | £77.7k | £49.9k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 3 persons-with-significant-control
- • 2 officers
- • 1 confirmation-statement
- • 6 persons-with-significant-control
- • 4 officers
- • 1 confirmation-statement
Corporate timeline (27 events)Click to expand
- 2026-03-17📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-17📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-01-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-01-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-01-22📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-13🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 2025-12-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-12-27📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-03-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-17🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2024-12-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-12📄change-person-director-company-with-change-dateofficers · CH01
- 2023-12-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-01-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-01-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-01-10🔒Charge registered #2Lender: Redwood Bank Limited
- 2021-12-23🔒Charge registered #1Lender: Redwood Bank Limited
- 2017-03-15🏢Company incorporatedAs BROWNINGS FUNERAL DIRECTORS LTD
- 2017-03-15➕BROWNING, Eric John appointeddirector
- 2017-03-15➕KNOX, Gary Robert appointeddirector
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.
- +Founder name in company name: Company name contains director surname "BROWNING" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Gary Robert Knox Individual · British · DOB 05/1966 · age 60 | 25–50% | — | 25-50% shares | 15/03/2017 |
Mr Eric John Browning Individual · British · DOB 09/1981 · age 45 | 25–50% | — | 25-50% shares | 15/03/2017 |
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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8 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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 13/01/2026 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 17/03/2025 | — | |
| outstanding | Redwood Bank Redwood Bank Limited | A registered charge | 4 properties | 10/01/2022 | — | |
| outstanding | Redwood Bank Redwood Bank Limited | A registered charge | 1 property | 23/12/2021 | — |