IFS LIMITED
🌳Matureactive
00961158 · ltd · incorporated 1969-08-29
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 43.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£2.06M
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Security dealing on own account
Sector: Financial & insurance
Investor take
PursueActive trading company with a 73-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 70/100. Strong seller-intent signal (83/100, director aged 73). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 4 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
7 live charges · oldest 43.9y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 43.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
9 officers (3 active, 9 linked, 7 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
161 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £2,063,859
Net assets shrinking
Down £2,188 YoY
Cash YoY
+1%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£659k
↑ 1.4% YoY
Net Worth
£2.1m
~ YoY
Current Assets
£674k
↑ 2.9% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £2.06M | £2.07M |
| Current assets | £674.4k | £655.1k |
| Cash | £659.4k | £650.1k |
| Debtors | £10.0k | — |
| Net assets | £2.06M | £2.07M |
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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (39 events)Click to expand
- 2026-02-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-24📄change-person-director-company-with-change-dateofficers · CH01
- 2022-06-21➕RAINSFORD, Damon Russell appointeddirector
- 2022-06-21➖RAINSFORD, Alistair James resigneddirector
- 2022-06-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-06-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-11-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-18📄change-person-director-company-with-change-dateofficers · CH01
- 2020-10-18📄change-person-director-company-with-change-dateofficers · CH01
- 2019-11-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-29📄change-person-director-company-with-change-dateofficers · CH01
- 2019-01-29📄change-person-director-company-with-change-dateofficers · CH01
- 2018-08-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2018-08-29📄change-person-secretary-company-with-change-dateofficers · CH03
- 1998-09-28🔒Charge registered #7Lender: Barclays Bank PLC
- 1996-07-13🔓Charge satisfied #3
- 1996-07-13🔓Charge satisfied #2
- 1996-07-13🔓Charge satisfied #1
- 1996-01-10➕STEWART, Alison Charlotte, Doctor appointedsecretary
- 1996-01-10➕STEWART, Alison Charlotte, Doctor appointeddirector
- 1996-01-10➖YEATMAN, Robert Quentin resignedsecretary
- 1996-01-10➖YEATMAN, Robert Quentin resigneddirector
- 1994-04-29➖CAREY, Colin Kyle resigneddirector
- 1994-03-08➖CAREY, Andrew Thornton resigneddirector
- 1994-03-08➕CAREY, Colin Kyle appointeddirector
- 1993-01-29➖CHASE, Rory resigneddirector
- 1993-01-29➕YEATMAN, Robert Quentin appointeddirector
- 1992-11-20🔒Charge registered #6Lender: Barclays Bank PLC
- 1991-08-30🔒Charge registered #5Lender: Barclays Bank PLC
- 1991-05-31🔒Charge registered #4Lender: Barclays Bank PLC
- 1990-03-21🔒Charge registered #3Lender: Barclays Bank PLC
- 1990-03-21🔒Charge registered #2Lender: Barclays Bank PLC
- 1982-07-26🔒Charge registered #1Lender: Barclays Bank PLC
- 1969-08-29🏢Company incorporatedAs IFS LIMITED
Owner dependency
83/100
Critical — business is the founderThe 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.
- +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 73 — succession pressure is live.
Succession & seller-readiness
96/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 57 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 ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Clarendon Information Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Clarendon Information Limited
Corporate parent · holds 75-100% shares · board control
⬇
IFS LIMITED
This company · 00961158
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 |
|---|---|---|---|---|
Clarendon Information Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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 →Similar companies
Active · Financial services · CB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ASE INTERNATIONAL LTD→ 11841295 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| FIDELIUM FINANCIAL PLANNERS LIMITED→ 09548030 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| GO GLOBAL MARKETS LTD→ 16526662 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GRANTA CROWN LIMITED→ 16458894 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HAMMOND’S MORTGAGE SERVICES LIMITED→ 06251076 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| IAN BALDWIN FINANCIAL SERVICES LTD→ 12602844 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| INFORM VENTURES LIMITED→ 16764000 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| J3 ENTERPRISES LIMITED→ 16329200 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| JL MORTGAGE SOLUTIONS LTD→ 11307742 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| JOHN RAISIN FINANCIAL SERVICES LIMITED→ 07049666 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| JOROI LIMITED→ 13993904 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| KENTINGS FINANCIAL SERVICES LTD→ 13509510 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated1969-08-29
Jurisdictionengland-wales
Primary SIC64991 — Security dealing on own account
Registered office
Unit 1, Cambridge House Camboro Business Park
Oakington Road, Girton
Cambridge
Cambridgeshire
CB3 0QH
United Kingdom
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-08-14
Last: 2025-07-31
Officers (3 active · 6 resigned)
STEWART, Alison Charlotte, Doctor→
Activesecretary · appointed 1996-01-10
View their other companies + combined net worth →
RAINSFORD, Damon Russell→
Activedirector · ~55y · appointed 2022-06-21
View their other companies + combined net worth →
STEWART, Alison Charlotte, Doctor→
Activedirector · ~73y · appointed 1996-01-10
View their other companies + combined net worth →
YEATMAN, Robert Quentin→
Resignedsecretary · resigned 1996-01-10
CAREY, Andrew Thornton→
Resigneddirector · ~70y · resigned 1994-03-08
CAREY, Colin Kyle→
Resigneddirector · ~74y · appointed 1994-03-08 · resigned 1994-04-29
CHASE, Rory→
Resigneddirector · ~76y · resigned 1993-01-29
RAINSFORD, Alistair James→
Resigneddirector · ~86y · resigned 2022-06-21
YEATMAN, Robert Quentin→
Resigneddirector · ~93y · appointed 1993-01-29 · resigned 1996-01-10
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
4
Outstanding
1
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | Debenture | 1 property | 28/09/1998 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 20/11/1992 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 30/08/1991 | — | |
| outstanding | Barclays Barclays Bank PLC | Guarantee & debenture | 1 property | 31/05/1991 | — | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 21/03/1990 | 13/07/1996 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 21/03/1990 | 13/07/1996 | |
| satisfied | Barclays Barclays Bank PLC | Guarantee & debenture | 1 property | 26/07/1982 | 13/07/1996 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (161 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-25
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-14
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-21
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-22
change-person-director-company-with-change-date
officers · CH01
2022-10-24
confirmation-statement-with-updates
confirmation-statement · CS01
2022-08-03
appoint-person-director-company-with-name-date
officers · AP01
2022-06-21
termination-director-company-with-name-termination-date
officers · TM01
2022-06-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-16
confirmation-statement-with-updates
confirmation-statement · CS01
2021-08-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-25
change-person-director-company-with-change-date
officers · CH01
2020-10-18