HOWARDS (FINANCIAL SERVICES) LIMITED

⚰️Wound downdissolved
02182058 · ltd · incorporated 1987-10-21
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 36.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
62/100
Worth a look
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed unclear — structural issues outweigh the discount.

Opportunity 62/100 (worth a look), bankability 80/100. Strong seller-intent signal (88/100, director aged 73). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

4 live charges · 2 lenders · oldest 36.4y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 36.4 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 20/100 — clean.

Data confidence

Overall: low (52/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
16 officers (2 active, 16 linked, 10 with DOB)
83
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
14 connected companies via shared directors
87
Filing history
127 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
62/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
30
Concerning — overdue filings or status flags present.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
59
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (58 events)Click to expand
  1. 2016-11-08
    📄
    gazette-dissolved-voluntary
    gazette · GAZ2(A)
  2. 2016-11-08
    🏁
    Company dissolved
  3. 2016-08-23
    📄
    gazette-notice-voluntary
    gazette · GAZ1(A)
  4. 2016-08-15
    📄
    dissolution-application-strike-off-company
    dissolution · DS01
  5. 2016-03-17
    📄
    auditors-resignation-company
    auditors · AUD
  6. 2016-03-17
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2016-03-17
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2016-03-17
    🔓
    Charge satisfied #4
  9. 2016-03-17
    🔓
    Charge satisfied #1
  10. 2015-12-22
    📄
    auditors-resignation-company
    auditors · AUD
  11. 2015-12-18
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  12. 2015-11-30
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2015-11-24
    ➖
    HULL, Shane Russell resigned
    director
  14. 2015-09-28
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  15. 2014-12-17
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2014-12-15
    📄
    accounts-with-accounts-type-small
    accounts · AA
  17. 2013-12-27
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  18. 2013-09-25
    📄
    accounts-with-accounts-type-small
    accounts · AA
  19. 2013-05-16
    📄
    auditors-resignation-company
    auditors · AUD
  20. 2013-05-02
    📄
    auditors-resignation-company
    auditors · AUD
  21. 2013-05-01
    📄
    miscellaneous
    miscellaneous · MISC
  22. 2013-04-12
    📄
    termination-director-company-with-name
    officers · TM01
  23. 2013-03-28
    ➖
    SLATER, Scott Matthew resigned
    director
  24. 2013-01-02
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  25. 2012-11-06
    📄
    accounts-with-accounts-type-small
    accounts · AA
  26. 2011-12-19
    📄
    accounts-with-accounts-type-small
    accounts · AA
  27. 2011-12-19
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  28. 2011-12-19
    📄
    termination-secretary-company-with-name
    officers · TM02
  29. 2011-12-09
    📄
    resolution
    resolution · RESOLUTIONS
  30. 2011-12-08
    📄
    termination-secretary-company-with-name
    officers · TM02
  31. 2011-12-01
    ➖
    HEYWOOD, Stephen Dene resigned
    secretary
  32. 2010-07-01
    ➕
    SLATER, Scott Matthew appointed
    director
  33. 2009-09-24
    ➕
    DARLING, Gregory Stuart appointed
    director
  34. 2009-09-24
    ➕
    HEYWOOD, Stephen Dene appointed
    secretary
  35. 2009-09-11
    ➖
    MILLER, Ian Crossley resigned
    director
  36. 2008-08-13
    ➖
    WHALL, Richard resigned
    secretary
  37. 2004-10-02
    🔓
    Charge satisfied #3
  38. 2003-07-29
    🔒
    Charge registered #4
    Lender: The Governor and Company of the Bank of Scotland
  39. 2003-06-30
    ➖
    SMITH, Deirdre Kathleen resigned
    secretary
  40. 2003-06-30
    ➕
    WHALL, Richard appointed
    secretary
  41. 2001-11-01
    ➕
    HULL, Shane Russell appointed
    director
  42. 2001-07-18
    🔓
    Charge satisfied #2
  43. 2001-03-30
    🔒
    Charge registered #3
    Lender: National Westminster Bank PLC
  44. 1994-11-03
    ➕
    SMITH, Deirdre Kathleen appointed
    secretary
  45. 1994-11-03
    ➖
    WIGG, Jennifer Mary resigned
    secretary
  46. 1994-11-02
    ➕
    MITCHELL, Christopher Paul appointed
    director
  47. 1994-11-02
    ➖
    HOLMES, Francis Andrew resigned
    director
  48. 1994-11-02
    ➕
    MILLER, Ian Crossley appointed
    director
  49. 1994-11-02
    ➖
    WOODCOCK, Joseph Edward resigned
    director
  50. 1994-01-11
    ➖
    HARDIMAN, Kevin Gerard resigned
    director
Showing most recent 50 of 58 events

Owner dependency

83/100
Critical — business is the founder

The 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.
  • +Long-tenure founder: Senior director has been in place 32 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 73 — succession pressure is live.

Succession & seller-readiness

96/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • 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.
  • primary20+ year tenure: Director in role 32 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 39 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 high · 1 med ·
Company dissolved
high

Company has been dissolved — it no longer legally exists. Any diligence here is historical only.

Evidence: Dissolved on 2016-11-08

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.

🔒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 →

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———————
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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

Statusdissolved
Typeltd
Incorporated1987-10-21
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Endeavour House
Admiralty Road
Great Yarmouth
Norfolk
NR30 3NG

Filing status

Accounts
Next due: —
Last made up to: 2014-04-30
Confirmation statement
Next due: —
Last: —

Officers (0 active · 14 resigned)

DARLING, Gregory Stuart→
director · ~73y · appointed 2009-09-24
View their other companies + combined net worth →
Active
MITCHELL, Christopher Paul→
director · ~71y · appointed 1994-11-02
View their other companies + combined net worth →
Active
FUTTER, Michael David→
secretary · resigned 1993-06-25
Resigned
HEYWOOD, Stephen Dene→
secretary · appointed 2009-09-24 · resigned 2011-12-01
Resigned
LAMBERT, Stephen David→
secretary · appointed 1993-06-25 · resigned 1993-12-19
Resigned
SMITH, Deirdre Kathleen→
secretary · appointed 1994-11-03 · resigned 2003-06-30
Resigned
WHALL, Richard→
secretary · appointed 2003-06-30 · resigned 2008-08-13
Resigned
WIGG, Jennifer Mary→
secretary · resigned 1994-11-03
Resigned
ATKIN, Peter Stuart Richard→
director · ~80y · resigned 1993-01-31
Resigned
FUTTER, Michael David→
director · ~74y · resigned 1993-06-25
Resigned
HARDIMAN, Kevin Gerard→
director · ~76y · resigned 1994-01-11
Resigned
HOLMES, Francis Andrew→
director · ~82y · resigned 1994-11-02
Resigned
HULL, Shane Russell→
director · ~69y · appointed 2001-11-01 · resigned 2015-11-24
Resigned
MILLER, Ian Crossley→
director · ~81y · appointed 1994-11-02 · resigned 2009-09-11
Resigned
SLATER, Scott Matthew→
director · ~45y · appointed 2010-07-01 · resigned 2013-03-28
Resigned
WOODCOCK, Joseph Edward→
director · ~81y · resigned 1994-11-02
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

4
Total charges
0
Outstanding
0
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Debenture1 property29/07/200317/03/2016
satisfied
National Westminster Bank
National Westminster Bank PLC
Mortgage debenture1 property30/03/200102/10/2004
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Debenture1 property05/01/199018/07/2001
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Letter of offset1 property05/01/199017/03/2016

Recent filings (127 total)

gazette-dissolved-voluntary
gazette · GAZ2(A)
2016-11-08
gazette-notice-voluntary
gazette · GAZ1(A)
2016-08-23
dissolution-application-strike-off-company
dissolution · DS01
2016-08-15
auditors-resignation-company
auditors · AUD
2016-03-17
mortgage-satisfy-charge-full
mortgage · MR04
2016-03-17
mortgage-satisfy-charge-full
mortgage · MR04
2016-03-17
auditors-resignation-company
auditors · AUD
2015-12-22
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-12-18
termination-director-company-with-name-termination-date
officers · TM01
2015-11-30
change-account-reference-date-company-current-extended
accounts · AA01
2015-09-28
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-12-17
accounts-with-accounts-type-small
accounts · AA
2014-12-15
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2013-12-27
accounts-with-accounts-type-small
accounts · AA
2013-09-25
auditors-resignation-company
auditors · AUD
2013-05-16