SAGE FINANCIAL SERVICES LIMITED

⚰️Wound downdissolved

01205090 · ltd · incorporated 1975-03-26

Investment thesis

Company dissolved — not a live target.

Why interesting: Historical record only; useful for precedent research.

Why risky: Not transactable.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

53/100

Worth a look

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Other activities auxiliary to financial services, except insurance and pension funding

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed unclear — structural issues outweigh the discount.

Opportunity 53/100 (worth a look), bankability 52/100. Strong seller-intent signal (75/100, director aged 60). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (38/100). Current lenders should be on monthly review.

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 33.7y

25/100

too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

· Oldest live charge is 33.7 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 50/100 (high).

Data confidence

Overall: low (50/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

43 officers (1 active, 43 linked, 34 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

6 connected companies via shared directors

Filing history

249 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

53/100Worth a look

PassWatchWorth a lookStrongExceptional

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality

Concerning — overdue filings or status flags present.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Multiple red flags — proceed with caution.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (115 events)Click to expand

2022-11-26
⚠️
gazette-dissolved-liquidation
gazette · GAZ2
2022-11-26
🏁
Company dissolved
2022-08-26
⚠️
liquidation-voluntary-creditors-return-of-final-meeting
insolvency · LIQ14
2021-11-12
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-09-04
⚠️
liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-date
insolvency · LIQ03
2020-09-18
⚠️
liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-date
insolvency · LIQ03
2019-09-10
⚠️
liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-date
insolvency · LIQ03
2018-09-16
⚠️
liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-date
insolvency · LIQ03
2017-07-25
⚠️
liquidation-voluntary-appointment-of-liquidator
insolvency · 600
2017-07-25
⚠️
liquidation-voluntary-appointment-of-liquidator
insolvency · 600
2017-07-07
⚠️
liquidation-in-administration-move-to-creditors-voluntary-liquidation
insolvency · AM22
2017-06-20
⚠️
liquidation-in-administration-progress-report
insolvency · AM10
2016-12-22
⚠️
liquidation-in-administration-progress-report-with-brought-down-date
insolvency · 2.24B
2016-07-11
⚠️
liquidation-in-administration-extension-of-period
insolvency · 2.31B
2016-06-23
⚠️
liquidation-in-administration-progress-report-with-brought-down-date
insolvency · 2.24B
2015-12-18
⚠️
liquidation-in-administration-progress-report-with-brought-down-date
insolvency · 2.24B
2015-06-17
⚠️
liquidation-in-administration-amended-certificate-of-constitution-creditors-committee
insolvency · 2.26B
2015-06-12
⚠️
liquidation-in-administration-extension-of-period
insolvency · 2.31B
2015-06-12
⚠️
liquidation-in-administration-progress-report-with-brought-down-date
insolvency · 2.24B
2014-12-16
⚠️
liquidation-in-administration-progress-report-with-brought-down-date
insolvency · 2.24B
2014-06-17
⚠️
liquidation-in-administration-progress-report-with-brought-down-date
insolvency · 2.24B
2013-12-12
⚠️
liquidation-in-administration-progress-report-with-brought-down-date
insolvency · 2.24B
2013-07-04
⚠️
liquidation-in-administration-progress-report-with-brought-down-date
insolvency · 2.24B
2013-07-04
⚠️
liquidation-in-administration-extension-of-period
insolvency · 2.31B
2013-02-07
⚠️
liquidation-in-administration-progress-report-with-brought-down-date
insolvency · 2.24B
2012-10-16
⚠️
liquidation-in-administration-result-creditors-meeting
insolvency · 2.23B
2012-05-18
➖
REESE, Deborah Louise resigned
secretary
2012-03-30
➖
PEARSON, Richard James resigned
director
2011-12-21
➖
LEVINE, Bryan resigned
director
2011-06-30
➖
EASTER, Alan James resigned
director
2011-04-15
➖
LUND, Mark Joseph resigned
director
2009-07-15
➕
REESE, Deborah Louise appointed
secretary
2009-07-09
➖
HBJGW MANCHESTER SECRETARIES LIMITED resigned
corporate-secretary
2009-07-07
🔓
Charge satisfied #3
2009-06-29
➖
FIRTH, Andrew Charles resigned
director
2009-04-09
➕
LEVINE, Bryan appointed
director
2009-03-20
➖
WARD, Nigel James resigned
director
2009-01-27
➖
EDGE, Christopher Norman resigned
director
2008-11-28
➖
CRAVEN, Richard James resigned
director
2008-10-22
➕
LUND, Mark Joseph appointed
director
2008-10-22
➕
WARD, Nigel James appointed
director
2008-06-27
➖
COLEMAN, Peter Brian resigned
director
2008-04-22
➕
COLEMAN, Peter Brian appointed
director
2008-03-27
🔒
Charge registered #3
Lender: Bank of Scotland PLC
2008-03-04
➕
FIRTH, Andrew Charles appointed
director
2008-01-16
➕
PEARSON, Richard James appointed
director
2006-08-04
➕
HBJGW MANCHESTER SECRETARIES LIMITED appointed
corporate-secretary
2006-08-04
➕
CRAVEN, Richard James appointed
director
2006-08-04
➕
EASTER, Alan James appointed
director
2006-08-04
➕
EDGE, Christopher Norman appointed
director

Showing most recent 50 of 115 events

Owner dependency

93/100

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

+Sole director: Only one active director — all governance concentrated on one person.
+Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 60 — approaching natural succession window.

Succession & seller-readiness

85/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 51 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

2 high ·

Company dissolved

high

Company has been dissolved — it no longer legally exists. Any diligence here is historical only.

Evidence: Dissolved on 2022-11-26

24 insolvency-related filings on record

high

Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.

Evidence: 2022-11-26: gazette-dissolved-liquidation; 2022-08-26: liquidation-voluntary-creditors-return-of-final-meeting

🔒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 · M postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
AARON SHAW LTD→ 17130153 · est 2026 · no financials extracted	—	—	—	—	—	—	—
ABRIDGE FINANCE LTD→ 12399889 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
ACHIEVERS25 COMMUNITY INTEREST COMPANY→ 17040426 · est 2026 · no financials extracted	—	—	—	—	—	—	—
ACS PAYROLL LIMITED→ 15989873 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ACTIVE FLEET MANAGEMENT LIMITED→ 11313628 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
AD WEALTH MANAGEMENT LTD→ 16044300 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ADELPHI INVESTMENTS (NORTH WEST) LIMITED→ 17125218 · est 2026 · no financials extracted	—	—	—	—	—	—	—
ADMINISTRATIVE SERVICES INTERNATIONAL LIMITED→ 09393496 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
AEC CONSULTANCY LIMITED→ 16221763 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
AETHER VENTURES LTD→ 16813881 · est 2025 · no financials extracted	—	—	—	—	—	—	—
AFFIRMATIVE FINANCE LIMITED→ 05044363 · est 2004 · no financials extracted	—	—	—	—	22y	—	—
AFFIRMATIVE FUNDING LIMITED→ 09351503 · est 2014 · no financials extracted	—	—	—	—	11y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

10 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

Statusdissolved

Typeltd

Incorporated1975-03-26

Jurisdictionengland-wales

Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

11th Floor Landmark St Peter's Square

1 Oxford St

Manchester

M1 4PB

Filing status

Accounts

Next due: —

Last made up to: 2011-09-30

Confirmation statement

Next due: —

Last: —

Officers (0 active · 42 resigned)

GORRIE, Frank Norman→

director · ~60y · appointed 2005-02-23

View their other companies + combined net worth →

Active

BURNE, Michael James→

secretary · appointed 2003-12-19 · resigned 2004-11-09

Resigned

CHADNEY, Thomas→

secretary · resigned 1993-03-26

Resigned

CHADWICK, Stephen Peter→

secretary · appointed 2001-05-03 · resigned 2002-08-28

Resigned

CREHAN, John Gerald→

secretary · appointed 2004-11-09 · resigned 2006-07-13

Resigned

EMERY, Peter Leonard→

secretary · appointed 1993-07-28 · resigned 2001-05-03

Resigned

HULLEY, Christine Wyn→

secretary · appointed 2002-07-04 · resigned 2003-12-19

Resigned

REESE, Deborah Louise→

secretary · appointed 2009-07-15 · resigned 2012-05-18

Resigned

WANLESS, Malcolm→

secretary · appointed 1993-07-16 · resigned 1993-07-28

Resigned

HBJGW MANCHESTER SECRETARIES LIMITED→

corporate-secretary · appointed 2006-08-04 · resigned 2009-07-09

Resigned

CARBY, Keith Arthur→

director · ~80y · appointed 2004-04-02 · resigned 2004-11-09

Resigned

CHADNEY, Thomas→

director · ~81y · resigned 1993-03-26

Resigned

CHADWICK, Stephen Peter→

director · ~61y · appointed 2001-05-03 · resigned 2003-11-17

Resigned

COHEN, Stewart Saul→

director · ~98y · appointed 1993-07-28 · resigned 1994-03-22

Resigned

COLEMAN, Peter Brian→

director · ~57y · appointed 2008-04-22 · resigned 2008-06-27

Resigned

CRAVEN, Richard James→

director · ~61y · appointed 2006-08-04 · resigned 2008-11-28

Resigned

DUNCAN, Michael Kenneth, Mr.→

director · ~73y · appointed 2005-02-23 · resigned 2006-05-23

Resigned

EASTER, Alan James→

director · ~61y · appointed 2006-08-04 · resigned 2011-06-30

Resigned

EDGE, Christopher Norman→

director · ~68y · appointed 2006-08-04 · resigned 2009-01-27

Resigned

FIRTH, Andrew Charles→

director · ~61y · appointed 2008-03-04 · resigned 2009-06-29

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:3 of 3 shown

		Type	Properties
satisfied	Lloyds Banking Group Bank of Scotland PLC	Debenture	1 property	27/03/2008	07/07/2009
satisfied	Royscot Trust Royscot Trust PLC	Assignment	1 property	14/10/1993	25/04/2001
satisfied	Lloyds Banking Group The Royal Bank of Scotland PLC	Debenture	1 property	30/09/1992	25/04/2001

Recent filings (249 total)

gazette-dissolved-liquidation

gazette · GAZ2

2022-11-26

liquidation-voluntary-creditors-return-of-final-meeting

insolvency · LIQ14

2022-08-26

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2021-11-12

liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-date

insolvency · LIQ03

2021-09-04

liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-date

insolvency · LIQ03

2020-09-18

liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-date

insolvency · LIQ03

2019-09-10

liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-date

insolvency · LIQ03

2018-09-16

liquidation-voluntary-appointment-of-liquidator

insolvency · 600

2017-07-25

liquidation-voluntary-appointment-of-liquidator

insolvency · 600

2017-07-25

liquidation-in-administration-move-to-creditors-voluntary-liquidation

insolvency · AM22

2017-07-07

liquidation-in-administration-progress-report

insolvency · AM10

2017-06-20

liquidation-in-administration-progress-report-with-brought-down-date

insolvency · 2.24B

2016-12-22

liquidation-in-administration-extension-of-period

insolvency · 2.31B

2016-07-11

liquidation-in-administration-progress-report-with-brought-down-date

insolvency · 2.24B

2016-06-23

liquidation-in-administration-progress-report-with-brought-down-date

insolvency · 2.24B

2015-12-18