BANK VIEW NORTHERN LIMITED
Opportunity 77/100 (strong), bankability 75/100. 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
2 live charges · 2 lenders · oldest 0.8y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 0.8 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-07-31 |
|---|---|
| Total assets | £5.17M |
| Current assets | £2.86M |
| Cash | £1.02M |
| Debtors | £1.83M |
| Net assets | £4.53M |
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
- • 1 confirmation-statement
- • 2 confirmation-statement
- • 1 accounts
Corporate timeline (31 events)Click to expand
- 2026-02-19📄replacement-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP01CS01
- 2025-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-14📄memorandum-articlesincorporation · MA
- 2025-07-14📄resolutionresolution · RESOLUTIONS
- 2025-07-14📄resolutionresolution · RESOLUTIONS
- 2025-07-14📄capital-name-of-class-of-sharescapital · SH08
- 2025-07-11📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2025-07-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-09📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2025-07-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-07-09📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-07-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-07-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-07-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-07-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-07-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-08➕HOLMES, Martin David appointeddirector
- 2025-07-08➕MACLEAN, Adam Robert appointeddirector
- 2025-07-08➖CROSS, Aimee Elizabeth resigneddirector
- 2025-07-08➖CROSS, Maureen Patricia resigneddirector
- 2025-07-08🔒Charge registered #2Lender: Martin Holmes
- 2025-07-08🔒Charge registered #1Lender: Shaun Maclean
- 2024-09-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-05-08➕CROSS, Aimee Elizabeth appointeddirector
- 2023-01-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2013-01-18🏢Company incorporatedAs BANK VIEW NORTHERN LIMITED
- 2013-01-18➕CROSS, Maureen Patricia appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
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
1 med · 1 lowMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: CROSS, Aimee Elizabeth resigned 2025-07-08; CROSS, Maureen Patricia resigned 2025-07-08
Multiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
Acquiro Group 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 |
|---|---|---|---|---|
Acquiro Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 08/07/2025 |
1 historic (ceased) PSC
- Ms Maureen Patricia Crossceased 08/07/2025· 75-100% shares
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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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 →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 · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Martin Holmes | A registered charge | — | 08/07/2025 | — | |
| outstanding | Shaun Maclean | A registered charge | — | 08/07/2025 | — |