FINANCIAL AFFAIRS LIMITED
🌳Matureactive
01807791 · ltd · incorporated 1984-04-11
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 6.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 6.2y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 6.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
9 officers (2 active, 9 linked, 7 with DOB)
86
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
137 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
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
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Average employees | 8 | 3200 |
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 (35 events)Click to expand
- 2026-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-20📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-06-09📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-27📄capital-name-of-class-of-sharescapital · SH08
- 2023-04-27📄capital-name-of-class-of-sharescapital · SH08
- 2023-04-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-04-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-04-21➖O'CONNOR, Gavin Stuart Simon resignedsecretary
- 2023-04-21➖O'CONNOR, Gavin Stuart Simon resigneddirector
- 2023-04-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-21📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-11-04📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-09-15📄capital-name-of-class-of-sharescapital · SH08
- 2022-09-15📄capital-name-of-class-of-sharescapital · SH08
- 2022-07-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-07-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-07-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-07-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-07-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-07-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-07-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-07-08📄resolutionresolution · RESOLUTIONS
- 2022-04-14➕WALSH, Alan David appointeddirector
- 2022-04-14➖OCONNOR, Michael Patrick resigneddirector
- 2022-04-14➖OCONNOR, Pamela Ann resigneddirector
- 2020-04-06🔒Charge registered #1Lender: Barclays Security Trustee Limited
- 2012-12-01➕O'CONNOR, Gavin Stuart Simon appointedsecretary
- 2012-12-01➖OCONNOR, Pamela Ann resignedsecretary
- 2012-04-25➕O'CONNOR, Laurence Christian Thomas appointeddirector
- 2012-04-25➕O'CONNOR, Gavin Stuart Simon appointeddirector
- 1997-06-30➖DITCHFIELD, Geoffrey Sidney resigneddirector
- 1995-01-01➕DITCHFIELD, Geoffrey Sidney appointeddirector
- 1994-02-28➖DARCY, Stephen resigneddirector
- 1984-04-11🏢Company incorporatedAs FINANCIAL AFFAIRS LIMITED
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
59/100
Strong succession signalMultiple 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.
- secondary12+ year tenure: Director in role 14 years.
- secondaryStable-but-static management: Company is 42 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.)
Group structure
Financial Affairs Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Financial Affairs Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
FINANCIAL AFFAIRS LIMITED
This company · 01807791
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 |
|---|---|---|---|---|
Financial Affairs Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 21/04/2023 |
3 historic (ceased) PSCs
- Mr Laurence Christian Thomas O’Connorceased 21/04/2023· 75-100% shares · 75-100% voting
- Mr Michael Patrick Oconnorceased 14/04/2022· 25-50% shares
- Mrs Pamela Ann Oconnorceased 14/04/2022· 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 · BB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BURNLEY SAVINGS AND LOANS LIMITED→ 07640762 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CORT BRADSHAW LIMITED→ 15539008 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| DARWEN TERRACOTTA TRUSTEE LIMITED→ 16963308 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ESSAYMEDICAL LIMITED→ 12716171 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| EUPHORIA FINANCE LIMITED→ 10388285 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| FELLSIDE INVESTMENTS LTD→ 12433953 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| FITZPATRICK FAMILY OFFICE LTD→ 16831654 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| FLOYD HOLDINGS LIMITED→ 15232502 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| FOGARTYS FINANCIAL SERVICES LIMITED→ 09954274 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| FOGARTYS INSURANCE SERVICES LIMITED→ 05111524 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| FORGE CAPITAL GROUP LTD→ 12463009 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| FUTURO INVESTMENTS LIMITED→ 16673024 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated1984-04-11
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
8 Standish Street
Burnley
Lancashire
BB11 1AP
United Kingdom
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-07-18
Last: 2025-07-04
Officers (2 active · 7 resigned)
O'CONNOR, Laurence Christian Thomas→
Activedirector · ~42y · appointed 2012-04-25
View their other companies + combined net worth →
WALSH, Alan David→
Activedirector · ~42y · appointed 2022-04-14
View their other companies + combined net worth →
O'CONNOR, Gavin Stuart Simon→
Resignedsecretary · appointed 2012-12-01 · resigned 2023-04-21
OCONNOR, Pamela Ann→
Resignedsecretary · resigned 2012-12-01
DARCY, Stephen→
Resigneddirector · ~70y · resigned 1994-02-28
DITCHFIELD, Geoffrey Sidney→
Resigneddirector · ~65y · appointed 1995-01-01 · resigned 1997-06-30
O'CONNOR, Gavin Stuart Simon→
Resigneddirector · ~44y · appointed 2012-04-25 · resigned 2023-04-21
OCONNOR, Michael Patrick→
Resigneddirector · ~84y · resigned 2022-04-14
OCONNOR, Pamela Ann→
Resigneddirector · ~76y · resigned 2022-04-14
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 | Barclays Barclays Security Trustee Limited | A registered charge | — | 06/04/2020 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (137 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-08
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-12-20
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-13
change-person-director-company-with-change-date
officers · CH01
2023-06-09
capital-name-of-class-of-shares
capital · SH08
2023-04-27
capital-name-of-class-of-shares
capital · SH08
2023-04-27
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2023-04-24
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-04-24
termination-director-company-with-name-termination-date
officers · TM01
2023-04-21
termination-secretary-company-with-name-termination-date
officers · TM02
2023-04-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-11-04
capital-name-of-class-of-shares
capital · SH08
2022-09-15