BITHELL ASSET FINANCE SOLUTIONS LTD

🌳Matureactive
SC482478 · ltd · incorporated 2014-07-18
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 6.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 6.2y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 6.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (79/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
33 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-07-312024-07-31
Average employees2300

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2026-03-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-07-15
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  3. 2024-09-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-09-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-04-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-04-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-08-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2021-08-10
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  9. 2021-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-08-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2020-08-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2020-08-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2020-08-13
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2020-08-01
    ➕
    BITHELL, Joanna Mary appointed
    director
  15. 2020-07-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2020-04-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2020-02-08
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2020-01-23
    🔒
    Charge registered #1
    Lender: Dalbeattie Finance Company Limited
  19. 2019-04-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2014-07-18
    🏢
    Company incorporated
    As BITHELL ASSET FINANCE SOLUTIONS LTD
  21. 2014-07-18
    ➕
    BITHELL, Joanna Mary appointed
    secretary
  22. 2014-07-18
    ➕
    BITHELL, Jack appointed
    director

Owner dependency

81/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +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 "BITHELL" — strong identity link between founder and business.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

41/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Joanna Mary Bithell
Individual · British · DOB 04/1986 · age 40
25–50%
25–50%25-50% shares · 25-50% voting01/08/2020
Mr Jack Bithell
Individual · British · DOB 09/1986 · age 40
25–50%
—sig. influence25-50% shares · significant influence01/07/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒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 →

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——111y7860y
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————1y——
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
Incorporated2014-07-18
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

68 St. Michael Street
Dumfries
DG1 2QF
Scotland

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-08-01
Last: 2025-07-18

Officers (3 active · 0 resigned)

BITHELL, Joanna Mary→
secretary · appointed 2014-07-18
View their other companies + combined net worth →
Active
BITHELL, Jack→
director · ~40y · appointed 2014-07-18
View their other companies + combined net worth →
Active
BITHELL, Joanna Mary→
director · ~40y · appointed 2020-08-01
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Dalbeattie Finance Company
Dalbeattie Finance Company Limited
A registered charge1 property23/01/2020—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (33 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-24
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-07-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-17
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-14
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-25
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-25
change-person-director-company-with-change-date
officers · CH01
2021-08-10
change-person-secretary-company-with-change-date
officers · CH03
2021-08-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2020-08-13