ALLIANCE FINANCIAL CONSULTANTS LIMITED
🌳Matureactive
02117121 · ltd · incorporated 1987-03-30
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£2.37M
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
ALSO REGISTERED FOR
- 68310Real estate agencies
Investor take
PursueActive trading company with a 68-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (78/100, director aged 68). 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 17.5y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 17.5 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 (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 4 with DOB)
81
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
101 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
70
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £2,368,797
Cash YoY
+3%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£1.2m
↑ 2.8% YoY
Net Worth
£2.4m
↑ 7.2% YoY
Current Assets
£1.6m
↑ 2.0% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £2.45M | £2.30M |
| Current assets | £1.61M | £1.58M |
| Cash | £1.15M | £1.12M |
| Debtors | £456.1k | £455.7k |
| Net assets | £2.37M | £2.21M |
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 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-05-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-01-09🔓Charge satisfied #2
- 2019-07-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-07-01➕LEUNG, Leo Wing Hao appointeddirector
- 2019-06-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-05-03📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2017-02-27➖WATTS, Lee John resigneddirector
- 2017-02-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2016-07-07🔒Charge registered #3Lender: Lloyds Bank PLC
- 2016-02-27🔓Charge satisfied #1
- 2013-12-04🔒Charge registered #2Lender: The Bank of East Asia Limited
- 2008-12-10🔒Charge registered #1Lender: Bank of East Asia Limited
- 1996-01-19➕LEUNG, Suk Yin appointedsecretary
- 1996-01-19➖LEUNG, Wai Yan resignedsecretary
- 1996-01-19➕WATTS, Lee John appointeddirector
- 1994-06-30➖LEUNG, Suk Yin resignedsecretary
- 1994-06-30➕LEUNG, Wai Yan appointedsecretary
- 1994-06-30➖CHEW, Lily resigneddirector
- 1987-03-30🏢Company incorporatedAs ALLIANCE FINANCIAL CONSULTANTS 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 68 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 39 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Suk Yin Leung Individual · British, · DOB 01/1958 · age 68 | 75–100% | — | 75-100% shares | 11/05/2016 |
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
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|---|---|---|---|---|---|---|---|
| A.M.S. (ACCESS MORTGAGE SOLUTIONS) LIMITED→ 08444769 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| AKRASI MARKETING AND DESIGN LTD→ 14109554 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ALBION ADVISORY LTD→ 15520518 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ALDERMONT GROUP LIMITED→ 09330042 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ALDRIDGE SUPPLY & FINANCE LIMITED→ 05312529 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| ALEVIO GROUP LTD→ 14024292 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ALEXARA (FIC 2025) LTD→ 16659988 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALGIZ INVESTMENTS LIMITED→ 14263744 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ALLIANCE HEALTH PMI LIMITED→ 13305805 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ALLIANCE MEDICAL INDEMNITY LIMITED→ 07655729 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ALLSOPP FINANCIAL MANAGEMENT LIMITED→ 05506823 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ALPHA CLAIMS & HIRE LTD→ 09325823 · 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
Incorporated1987-03-30
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
26 Ladywell Walk
Birmingham
B5 4ST
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-01-17
Last: 2026-01-03
Officers (3 active · 4 resigned)
Active
LEUNG, Leo Wing Hao→
Activedirector · ~46y · appointed 2019-07-01
View their other companies + combined net worth →
Active
LEUNG, Suk Yin→
Resignedsecretary · resigned 1994-06-30
LEUNG, Wai Yan→
Resignedsecretary · appointed 1994-06-30 · resigned 1996-01-19
CHEW, Lily→
Resigneddirector · ~74y · resigned 1994-06-30
WATTS, Lee John→
Resigneddirector · ~91y · appointed 1996-01-19 · resigned 2017-02-27
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 07/07/2016 | — | |
| satisfied | The Bank of East Asia The Bank of East Asia Limited | A registered charge | 1 property | 04/12/2013 | 09/01/2020 | |
| satisfied | Bank of East Asia Bank of East Asia Limited | Mortgage | 1 property | 10/12/2008 | 27/02/2016 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (101 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-12
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-06-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-28