F.H. MANNING FINANCIAL SERVICES LIMITED
💤Zombieactive
01221914 · ltd · incorporated 1975-08-05
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (68/100, director aged 48). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
2 live charges · oldest 38.6y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 38.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 5 with DOB)
84
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
117 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
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 accountsCash
—
Net Worth
—
Current Assets
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Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|
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
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2025-06-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-08-19📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-10-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-08-14📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-06-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-11-16➖WRIGHT, Malcolm resigneddirector
- 2021-11-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-08-12📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-06-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-08-19📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-06-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-06-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-06-23🔓Charge satisfied #2
- 2020-06-23🔓Charge satisfied #1
- 2019-08-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-09-03📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-05-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-05-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2016-08-31➖PLATT, David Harold resigneddirector
- 2004-05-23➕MARKHAM, Claire Louise appointedsecretary
- 2004-05-23➖SMYTH, Alastair Tudor resignedsecretary
- 2003-06-20➕MARKHAM, Claire Louise appointeddirector
- 2003-06-20➖ATKINSON, John Peter resigneddirector
- 2003-06-20➖PEACOCK, Brian Robert resigneddirector
- 2003-06-20➕WRIGHT, Malcolm appointeddirector
- 1997-05-01🔒Charge registered #2Lender: Barclays Bank PLC
- 1987-10-30🔒Charge registered #1Lender: Barclays Bank PLC
- 1975-08-05🏢Company incorporatedAs F.H. MANNING FINANCIAL SERVICES LIMITED
Owner dependency
85/100
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
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
75/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 23 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Claire Louise Markham Individual · British · DOB 08/1978 · age 48 | 75–100% | — | 75-100% shares | 06/04/2016 |
1 historic (ceased) PSC
- Mr Malcolm Wrightceased 26/02/2021· 25-50% shares
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 · LN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 8013B LIMITED→ 12245974 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ALTERNATIVE COMMERCIAL FINANCE LIMITED→ 08547499 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| AMELIO INVESTMENTS LIMITED→ 15980117 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARC BROKER SERVICES LIMITED→ 11224505 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BOXED MORTGAGES LTD→ 16295489 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CLEAR COVER WARRANTIES LIMITED→ 16832103 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CORALLINE HEALTH LIMITED→ 10687105 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| CORNERSTONE GLOBAL LIMITED→ 16671528 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| DEC FINANCIAL SERVICES LTD→ 07991898 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| EAGLE MORTGAGES & PROTECTION LTD→ 13958958 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| EXECUTIVE RESPONSE LIMITED→ 04299577 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| FOWLER FINANCIAL SERVICES LTD→ 09316555 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated1975-08-05
Jurisdictionengland-wales
Primary SIC65110 — Life insurance
Registered office
The Street Lamp
8-12 South Street
Horncastle
Lincolnshire
LN9 6DT
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-05-11
Last: 2026-04-27
Officers (2 active · 5 resigned)
MARKHAM, Claire Louise→
Activesecretary · appointed 2004-05-23
View their other companies + combined net worth →
MARKHAM, Claire Louise→
Activedirector · ~48y · appointed 2003-06-20
View their other companies + combined net worth →
SMYTH, Alastair Tudor→
Resignedsecretary · resigned 2004-05-23
ATKINSON, John Peter→
Resigneddirector · ~81y · resigned 2003-06-20
PEACOCK, Brian Robert→
Resigneddirector · ~79y · resigned 2003-06-20
PLATT, David Harold→
Resigneddirector · ~76y · resigned 2016-08-31
WRIGHT, Malcolm→
Resigneddirector · ~65y · appointed 2003-06-20 · resigned 2021-11-16
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 01/05/1997 | 23/06/2020 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 30/10/1987 | 23/06/2020 |
Recent filings (117 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-27
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-06-26
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-08-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-10-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-08-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-06-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-01
termination-director-company-with-name-termination-date
officers · TM01
2021-11-16
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-08-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-24
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2021-06-24
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-08-19