EGAN ROBERTS FINANCIAL SERVICES LIMITED
🌳Matureactive
02547645 · ltd · incorporated 1990-10-11
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 35.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Pension funding
Sector: Financial & insurance
ALSO REGISTERED FOR
- 66190Other activities auxiliary to financial services, except insurance and pension funding
- 66290Other activities auxiliary to insurance and pension funding
Investor take
PursueActive trading company with a 67-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
1 live charge · oldest 35.5y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 35.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 3 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
8 officers (2 active, 8 linked, 6 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
105 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | — | £24.0k |
| Current assets | — | £28.4k |
| Cash | — | £2.7k |
| Debtors | — | £25.7k |
| Net assets | — | £24.0k |
| Average employees | 0 | — |
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
0
filings
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2025-09-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-18📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-17📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-10-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-10-17📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-05-31➖JACKSON, Andrew Walter resignedsecretary
- 2024-05-31➖JACKSON, Andrew Walter resigneddirector
- 2023-09-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-11📄change-person-director-company-with-change-dateofficers · CH01
- 2021-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-29📄change-person-director-company-with-change-dateofficers · CH01
- 2021-06-29📄change-person-director-company-with-change-dateofficers · CH01
- 2021-06-29📄change-person-director-company-with-change-dateofficers · CH01
- 2021-06-29📄change-person-secretary-company-with-change-dateofficers · CH03
- 2020-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-31➖YOUNG, Trevor Gilbert resigneddirector
- 2010-09-01➕YOUNG, Trevor Gilbert appointeddirector
- 2001-10-31➖EGAN, Joan resignedsecretary
- 2001-10-31➕JACKSON, Andrew Walter appointedsecretary
- 2001-10-31➖EGAN, Henry Anthony resigneddirector
- 1999-01-31➖SHARPLES, Colin resigneddirector
- 1998-02-19➕JACKSON, Andrew Walter appointeddirector
- 1995-02-06➕ROBERTS, Keith appointeddirector
- 1990-12-10🔒Charge registered #1Lender: Midland Bank PLC
- 1990-10-11🏢Company incorporatedAs EGAN ROBERTS FINANCIAL SERVICES LIMITED
Owner dependency
98/100
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 name in company name: Company name contains director surname "ROBERTS" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 31 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 67 — succession pressure is live.
Succession & seller-readiness
86/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 31 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 36 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.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Keith Roberts Individual · British · DOB 11/1959 · age 67 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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
Active · Financial services · PR postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ENTERPRISE VENTURES GROUP LIMITED→ 04161494 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
| EP GEN LTD→ 16876561 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| EQUITY RELEASE 4 US LIMITED→ 14190455 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| F. BERRY (LEYLAND) LIMITED→ 01075421 · est 1972 · no financials extracted | — | — | — | — | 53y | — | — |
| FOINAVEN ASSET MANAGEMENT LTD→ 05015645 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| FORE FINANCIAL PLANNING LTD→ 16024269 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| G S FINANCIAL PLANNING LIMITED→ 08574589 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| GENUIS INSOLVENCY LIMITED→ 16466097 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GETPLAND LTD→ 12901503 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| GNC VENTURES LTD→ 16587517 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GOODINSON WEALTH MANAGEMENT LIMITED→ 08893088 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| GOSLING HOLDINGS LIMITED→ 15234260 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated1990-10-11
Jurisdictionengland-wales
Primary SIC65300 — Pension funding
Registered office
Ground Floor Citygate
Longridge Road
Preston
Lancashire
PR2 5BQ
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-10-25
Last: 2025-10-11
Officers (2 active · 6 resigned)
Active
ROBERTS, Keith→
Activedirector · ~67y · appointed 1995-02-06
View their other companies + combined net worth →
EGAN, Joan→
Resignedsecretary · resigned 2001-10-31
JACKSON, Andrew Walter→
Resignedsecretary · appointed 2001-10-31 · resigned 2024-05-31
EGAN, Henry Anthony→
Resigneddirector · ~84y · resigned 2001-10-31
JACKSON, Andrew Walter→
Resigneddirector · ~61y · appointed 1998-02-19 · resigned 2024-05-31
SHARPLES, Colin→
Resigneddirector · ~73y · resigned 1999-01-31
YOUNG, Trevor Gilbert→
Resigneddirector · ~75y · appointed 2010-09-01 · resigned 2018-08-31
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 | Midland Bank Midland Bank PLC | Fixed and floating charge | 1 property | 10/12/1990 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (105 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-12
change-person-director-company-with-change-date
officers · CH01
2024-10-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-17
termination-secretary-company-with-name-termination-date
officers · TM02
2024-10-17
termination-director-company-with-name-termination-date
officers · TM01
2024-10-17
change-person-director-company-with-change-date
officers · CH01
2024-10-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-08-30
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-15
confirmation-statement-with-updates
confirmation-statement · CS01
2022-10-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-11
change-person-director-company-with-change-date
officers · CH01
2022-10-11