AUREA FINANCIAL PLANNING LIMITED

🌳Matureactive

01327039 · ltd · incorporated 1977-08-25

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

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jun 2025

Net worth

£124.1k

book net assets

Opportunity

75/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 77/100. Strong seller-intent signal (68/100, director aged 51). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 43.9y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 43.9 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (78/100)

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

Lenders & charges

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

Directors & officers

12 officers (3 active, 12 linked, 9 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

127 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

75/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Positive net assets

Net assets £124,149

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£124k

↑ 15% YoY

Current Assets

£157k

↑ 14% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-06-30	2024-06-30
Total assets	£124.1k	£108.2k
Current assets	£156.7k	£137.1k
Net assets	£124.1k	£108.2k

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

filings

Last 90 days

filings

• 3 mortgage
• 1 accounts

Last 180 days

filings

• 3 mortgage
• 1 accounts
• 1 address

Counts from Companies House filing history.

Corporate timeline (40 events)Click to expand

2026-04-21
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-21
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-21
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-21
🔓
Charge satisfied #3
2026-04-21
🔓
Charge satisfied #2
2026-04-21
🔓
Charge satisfied #1
2026-03-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2026-02-04
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-02-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-06
📄
change-person-director-company-with-change-date
officers · CH01
2024-08-06
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-03-01
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-09
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-21
📄
change-person-director-company-with-change-date
officers · CH01
2022-03-21
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-03-10
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-24
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-03-11
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-07-30
📄
change-person-director-company-with-change-date
officers · CH01
2019-07-30
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2018-12-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2006-05-31
➖
PARKER BOWLES, Sallie resigned
director
2004-07-20
➕
TAYLOR, Rebecca Jane appointed
director
2003-10-14
➖
CLAYFIELD, Adrian James resigned
director
2003-09-19
🔒
Charge registered #3
Lender: Lloyds Tsb Bank PLC
2002-09-09
➖
WOOLGAR-BOWLES, Kenneth resigned
director
2002-03-19
➖
LINTON, Thelma Theresa resigned
director
1999-04-01
➕
WOOLGAR BOWLES, Helen appointed
secretary
1999-04-01
➕
WOOLGAR BOWLES, Helen appointed
director
1999-04-01
➖
WOOLGAR-BOWLES, Kenneth resigned
secretary
1997-11-30
➖
BOWLES, Craig Nigel resigned
director
1997-11-30
➖
DUNHAM, John Wilfred resigned
director
1997-11-21
➕
CLAYFIELD, Adrian James appointed
director
1997-11-21
➕
PARKER BOWLES, Sallie appointed
director
1995-01-11
➕
WOOLGAR-BOWLES, Kenneth appointed
secretary
1995-01-11
➖
WOOLGAR-BOWLES, Mavis Kathleen resigned
secretary
1995-01-11
➖
WOOLGAR-BOWLES, Mavis Kathleen resigned
director
1984-06-29
🔒
Charge registered #2
Lender: Lloyds Bank PLC
1982-07-21
🔒
Charge registered #1
Lender: Lloyds Bank LTD
1977-08-25
🏢
Company incorporated
As AUREA FINANCIAL PLANNING LIMITED

Owner dependency

68/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

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 27 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

66/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 49 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

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mrs Rebecca Jane Taylor Individual · British · DOB 06/1975 · age 51	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016
Ms Helen Woolgar-Bowles Individual · British · DOB 02/1976 · age 50	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016

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

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2AJF LTD→ 15271718 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
A & J QUANT CAPITAL LTD→ 16501402 · est 2025 · no financials extracted	—	—	—	—	—	—	—
A S WHITAKER INVESTMENTS LIMITED→ 11758296 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
A.S MORTGAGE SOLUTIONS LTD→ 15407499 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
ADVANCED MORTGAGES LTD→ 12198598 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
ADVOCATE MORTGAGE & PROTECTION LTD→ 16586658 · est 2025 · no financials extracted	—	—	—	—	—	—	—
AGENTIS FINANCIAL AND MORTGAGE SOLUTIONS LIMITED→ 08914933 · est 2014 · no financials extracted	—	—	—	—	12y	—	—
AIIC GROUPCO 1 LTD→ 08318842 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
ALBERT CAPITAL LIMITED→ 08917116 · est 2014 · no financials extracted	—	—	—	—	12y	—	—
ALEXANDER FINANCE LIMITED→ 01063308 · est 1972 · no financials extracted	—	—	—	—	53y	—	—
ALL ABOUT MORTGAGES LIMITED→ 14872312 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ALL CAR COMPONENTS (NORFOLK) LTD→ 15816778 · est 2024 · no financials extracted	—	—	—	—	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

Incorporated1977-08-25

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Room 239, Regus Stuart House

St Johns Street

Peterborough

PE1 5DD

England

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2026-08-19

Last: 2025-08-05

Officers (3 active · 9 resigned)

WOOLGAR BOWLES, Helen→

secretary · appointed 1999-04-01

View their other companies + combined net worth →

Active

TAYLOR, Rebecca Jane→

director · ~51y · appointed 2004-07-20

View their other companies + combined net worth →

Active

WOOLGAR BOWLES, Helen→

director · ~50y · appointed 1999-04-01

View their other companies + combined net worth →

Active

WOOLGAR-BOWLES, Kenneth→

secretary · appointed 1995-01-11 · resigned 1999-04-01

Resigned

WOOLGAR-BOWLES, Mavis Kathleen→

secretary · resigned 1995-01-11

Resigned

BOWLES, Craig Nigel→

director · ~79y · resigned 1997-11-30

Resigned

CLAYFIELD, Adrian James→

director · ~56y · appointed 1997-11-21 · resigned 2003-10-14

Resigned

DUNHAM, John Wilfred→

director · ~103y · resigned 1997-11-30

Resigned

LINTON, Thelma Theresa→

director · ~69y · resigned 2002-03-19

Resigned

PARKER BOWLES, Sallie→

director · ~53y · appointed 1997-11-21 · resigned 2006-05-31

Resigned

WOOLGAR-BOWLES, Kenneth→

director · ~83y · resigned 2002-09-09

Resigned

WOOLGAR-BOWLES, Mavis Kathleen→

director · ~83y · resigned 1995-01-11

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 Lloyds Tsb Bank PLC	Mortgage deed	1 property	19/09/2003	21/04/2026
satisfied	Lloyds Banking Group Lloyds Bank PLC	Mortgage	1 property	29/06/1984	21/04/2026
satisfied	Lloyds Banking Group Lloyds Bank LTD	Letter of set off	1 property	21/07/1982	21/04/2026

Recent filings (127 total)

mortgage-satisfy-charge-full

mortgage · MR04

2026-04-21

mortgage-satisfy-charge-full

mortgage · MR04

2026-04-21

mortgage-satisfy-charge-full

mortgage · MR04

2026-04-21

accounts-with-accounts-type-micro-entity

accounts · AA

2026-03-28

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

address · AD01

2026-02-04

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-08-12

accounts-with-accounts-type-micro-entity

accounts · AA

2025-02-17

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-08-07

change-person-director-company-with-change-date

officers · CH01

2024-08-06

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2024-08-06

accounts-with-accounts-type-micro-entity

accounts · AA

2024-03-01

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-08-08

accounts-with-accounts-type-micro-entity

accounts · AA

2022-11-09

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-08-15

change-person-director-company-with-change-date

officers · CH01

2022-03-21