BELL ROCK DEVELOPMENTS LTD.
Opportunity 73/100 (strong), 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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
20 live charges · 4 lenders · oldest 31.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 31.5 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (81/100)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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 300 | 300 |
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
- • 1 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (67 events)Click to expand
- 2025-08-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-09-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-09-15🔓Charge satisfied #20
- 2022-09-15🔓Charge satisfied #18
- 2022-09-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-01-07🔓Charge satisfied #16
- 2021-11-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-03-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-03-24🔓Charge satisfied #11
- 2021-03-24🔓Charge satisfied #10
- 2019-11-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-04-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-04-26🔓Charge satisfied #9
- 2019-04-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-04-18🔓Charge satisfied #12
- 2019-04-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-04-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-04-03🔒Charge registered #20Lender: Bank of Scotland PLC
- 2019-04-03🔒Charge registered #19Lender: Bank of Scotland PLC
- 2019-04-03🔒Charge registered #18Lender: Bank of Scotland PLC
- 2019-04-03🔒Charge registered #17Lender: Bank of Scotland PLC
- 2019-04-03🔒Charge registered #16Lender: Bank of Scotland PLC
- 2019-03-20🔒Charge registered #15Lender: Bank of Scotland PLC
- 2018-01-31🔓Charge satisfied #14
- 2017-11-07🔓Charge satisfied #13
- 2017-10-28🔒Charge registered #13Lender: Bank of Scotland PLC
- 2017-10-27🔒Charge registered #14Lender: Bank of Scotland PLC
- 2016-01-28🔓Charge satisfied #7
- 2016-01-28🔓Charge satisfied #3
- 2011-11-21🔒Charge registered #12Lender: Clydesdale Bank PLC
- 2011-11-01➕MILNE, Maureen appointedsecretary
- 2011-11-01➕OGSTON, Fraser Ralph appointeddirector
- 2011-11-01➖OGSTON, Elizabeth resignedsecretary
- 2011-11-01➖OGSTON, Fraser Ralph resigneddirector
- 2011-07-27🔓Charge satisfied #8
- 2011-07-27🔓Charge satisfied #6
- 2011-07-27🔓Charge satisfied #5
- 2011-07-27🔓Charge satisfied #4
- 2011-07-27🔓Charge satisfied #2
- 2011-07-27🔓Charge satisfied #1
- 2008-04-16🔒Charge registered #11Lender: Clydesdale Bank PLC
- 2007-07-31🔒Charge registered #10Lender: Clydesdale Bank Public Limited Company
- 2007-06-25🔒Charge registered #9Lender: Clydesdale Bank Public Limited Company
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 14 years.
- 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 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Fraser Ralph Ogston Individual · British · DOB 12/1969 · age 57 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 18/04/2017 |
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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|---|---|---|---|---|---|---|---|
| BRAVEHEART SERVICES LTD→ SC677880 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BRIGHT BINS FIFE LTD→ SC827575 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BRIGHT LIGHT TRAFFIC MANAGEMENT LTD→ SC763693 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| BRITTANY WILSON COACHING LIMITED→ SC821582 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BROOMFIELD PSYCHOLOGY LTD→ SC694173 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| BRYSON & HARE LIMITED→ SC727125 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| BUBBLES BOUTIQUE HAIR & BEAUTY LIMITED→ SC571753 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| BUILDING BLOCKS FLEXIBLE CHILD CARE LIMITED→ SC228625 · est 2002 · no financials extracted | — | — | — | — | 24y | — | — |
| BURNSIDE PET RETREAT LIMITED→ SC794043 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| BUZZCO LTD→ SC775515 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BY DEFINE BONNIE LTD→ SC877425 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BYNARIO LIMITED→ SC629099 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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 · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 03/04/2019 | 15/09/2022 | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 03/04/2019 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 03/04/2019 | 15/09/2022 | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 03/04/2019 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 03/04/2019 | 07/01/2022 | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 20/03/2019 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 28/10/2017 | 07/11/2017 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 27/10/2017 | 31/01/2018 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 21/11/2011 | 18/04/2019 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Standard security | 1 property | 16/04/2008 | 24/03/2021 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 31/07/2007 | 24/03/2021 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 25/06/2007 | 26/04/2019 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 25/06/2007 | 27/07/2011 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 25/06/2007 | 28/01/2016 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 13/10/2006 | 27/07/2011 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 11/07/2006 | 27/07/2011 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 06/05/2005 | 27/07/2011 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Floating charge | 1 property | 31/03/2005 | 28/01/2016 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 12/03/2002 | 27/07/2011 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 21/10/1994 | 27/07/2011 |