A F S FINANCIAL MANAGEMENT LIMITED
🌳Matureactive
01554629 · ltd · incorporated 1981-04-03
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 Mar 2025
Net worth
£1.04M
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 79/100 (strong), bankability 80/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -82% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 39.2y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 39.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
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
10 officers (3 active, 10 linked, 5 with DOB)
80
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
109 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
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £1,037,009
Cash draining
Cash down 82% YoY
Cash YoY
-82%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£114k
↓ 82% YoY
Net Worth
£1.0m
↑ 1.1% YoY
Current Assets
£123k
↓ 81% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £1.05M | £1.04M |
| Current assets | £122.8k | £630.3k |
| Cash | £113.8k | £620.9k |
| Debtors | £9.0k | £9.4k |
| Net assets | £1.04M | £1.03M |
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 persons-with-significant-control
Last 180 days
1
filing
- • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2026-04-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-09-21📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-09-16📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-10-23📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-10-16📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-12-20➕STAMP, George Howard appointeddirector
- 2021-12-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-08-09📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-09-13📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-07-22📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-08-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-07-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-08-17📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-21📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2016-04-21📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2016-04-01➕STAMP, George Howard appointedsecretary
- 2016-04-01➖STAMP, Paul Keith resignedsecretary
- 2015-12-22📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2009-01-14➖LEGG, Philip Arthur resigneddirector
- 2007-09-09➖STAMP, Graham Peter resignedsecretary
- 2007-09-09➕STAMP, Paul Keith appointedsecretary
- 2007-08-16➖BOAKES, Patrick John resigneddirector
- 1998-08-05➖STAMP, Annette Margrethe resignedsecretary
- 1998-08-05➕STAMP, Graham Peter appointedsecretary
- 1995-11-01➕BOAKES, Patrick John appointeddirector
- 1994-03-17➖CORNFORD, Trevor Robert resignedsecretary
- 1994-03-17➕STAMP, Annette Margrethe appointedsecretary
- 1994-03-17➖CORNFORD, Trevor Robert resigneddirector
- 1987-03-30🔒Charge registered #1Lender: Abbey Life Pension and Annuities Limited
- 1981-04-03🏢Company incorporatedAs A F S FINANCIAL MANAGEMENT LIMITED
Owner dependency
81/100
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.
- +Founder age: Director aged approximately 73 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- primaryFamily succession underway: Not a takeover target — STAMP, George Howard (same surname) appointed 2021-12-20. Pattern consistent with intra-family handover.
- 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.
- secondaryStable-but-static management: Company is 45 years old and no new directors in the last 3 years — succession not yet being planned internally.
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
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Graham Peter Stamp Individual · British · DOB 03/1953 · age 73 | 75–100% | — | 75-100% shares | 06/04/2016 |
Mrs Annette Stamp Individual · British · DOB 07/1956 · age 70 | 25–50% | — | 25-50% shares | 01/11/2025 |
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 · W postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AEGIS MANAGEMENT LIMITED→ 16231577 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AEON CAPITAL INVESTMENTS LIMITED→ 14262302 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AERNOVUM AVIATION LIMITED→ 13502581 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AEROMEDEX HOLDING LTD→ 17007685 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AES FINANCIAL SERVICES LTD→ 06063185 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| AETHER ASSETS MANAGEMENT LTD→ 15523059 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AETNA INVESTMENTS MANAGEMENT LIMITED→ 16502228 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AFAQ GLOBAL LTD→ 16225410 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AFIG PARTNERS LTD→ 15202018 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AFM FINANCE LIMITED→ 13467439 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AFORTI PLC→ 12821204 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AFS CAP 1 LTD→ 14703048 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated1981-04-03
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
40 Upper Montagu Street
London
W1H 1RP
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-21
Last: 2025-09-07
Officers (3 active · 7 resigned)
STAMP, George Howard→
Activesecretary · appointed 2016-04-01
View their other companies + combined net worth →
STAMP, George Howard→
Activedirector · ~34y · appointed 2021-12-20
View their other companies + combined net worth →
Active
CORNFORD, Trevor Robert→
Resignedsecretary · resigned 1994-03-17
STAMP, Annette Margrethe→
Resignedsecretary · appointed 1994-03-17 · resigned 1998-08-05
STAMP, Graham Peter→
Resignedsecretary · appointed 1998-08-05 · resigned 2007-09-09
STAMP, Paul Keith→
Resignedsecretary · appointed 2007-09-09 · resigned 2016-04-01
BOAKES, Patrick John→
Resigneddirector · ~74y · appointed 1995-11-01 · resigned 2007-08-16
CORNFORD, Trevor Robert→
Resigneddirector · ~77y · resigned 1994-03-17
LEGG, Philip Arthur→
Resigneddirector · ~100y · resigned 2009-01-14
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Abbey Life Pension and Annuities Abbey Life Pension and Annuities Limited | Legal charge | 1 property | 30/03/1987 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (109 total)
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-04-28
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-09-21
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-09-16
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-10-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-01
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-10-16
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-20
appoint-person-director-company-with-name-date
officers · AP01
2021-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-08-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-14
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-09-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-09-09