FINANCIAL ADVICE & SERVICES LIMITED

🌳Matureactive
02568950 · ltd · incorporated 1990-12-17
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 34.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2026
Net worth
—
book net assets
Opportunity
83/100
Exceptional
🔔
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 59). 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: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 34.2y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 34.2 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
9 officers (3 active, 9 linked, 6 with DOB)
83
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
136 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
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 accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Feb 2025Feb 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2026-02-282025-02-28
Average employees25002200

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
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2026-05-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-05-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-05-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-10-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-02-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2023-02-03
    🔓
    Charge satisfied #2
  7. 2022-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-06-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-02-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-09-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2020-09-11
    🔒
    Charge registered #2
    Lender: Hsbc UK Bank PLC
  12. 2020-05-14
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  13. 2020-05-14
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  14. 2020-05-14
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  15. 2020-05-14
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  16. 2020-05-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2019-06-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2018-06-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2012-04-10
    ➕
    REEVES, Amanda Jayne appointed
    secretary
  20. 2012-04-10
    ➖
    PARMENTER, Andrew Martin Piper resigned
    secretary
  21. 2012-04-10
    ➖
    PARMENTER, Andrew Martin Piper resigned
    director
  22. 2011-04-01
    ➕
    REEVES, Amanda Jayne appointed
    director
  23. 2007-03-01
    ➖
    MORGAN, Ruth Ann resigned
    secretary
  24. 2007-03-01
    ➕
    PARMENTER, Andrew Martin Piper appointed
    secretary
  25. 2007-03-01
    ➖
    MORGAN, Robert William resigned
    director
  26. 2007-03-01
    ➖
    MORGAN, Ruth Ann resigned
    director
  27. 2004-06-01
    ➕
    PARMENTER, Andrew Martin Piper appointed
    director
  28. 1999-04-19
    ➕
    BRANN, Aaron David appointed
    director
  29. 1995-02-23
    ➕
    MORGAN, Robert William appointed
    director
  30. 1995-02-23
    ➖
    OWEN, Timothy John resigned
    director
  31. 1992-05-01
    🔒
    Charge registered #1
    Lender: Portfolio Property Investments Limited
  32. 1990-12-17
    🏢
    Company incorporated
    As FINANCIAL ADVICE & SERVICES LIMITED

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

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 27 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

76/100
Likely off-market candidate

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 27 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Ab & Ar Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Ab & Ar Holdings Ltd
Corporate parent · holds 75-100% shares
ultimate parent
⬇
FINANCIAL ADVICE & SERVICES LIMITED
This company · 02568950

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%
NameSharesVoting rightsNature of controlNotified
Ab & Ar Holdings Ltd
Corporate entity
75–100%
—75-100% shares10/04/2016
3 historic (ceased) PSCs
  • Mr Aaron David Brannceased 01/12/2017· 25-50% shares · 25-50% voting
  • Mrs Amanda Jayne Reevesceased 01/12/2017· 25-50% shares · 25-50% voting
  • Mrs Amanda Jayne Reevesceased 01/12/2017· 25-50% voting

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 →

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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
Incorporated1990-12-17
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Sterling House Concept Court
Shearway Business Park
Folkestone
Kent
CT19 4RG

Filing status

Accounts
Next due: 2027-11-30
Last made up to: 2026-02-28
Confirmation statement
Next due: 2027-06-01
Last: 2026-05-18

Officers (3 active · 6 resigned)

REEVES, Amanda Jayne→
secretary · appointed 2012-04-10
View their other companies + combined net worth →
Active
BRANN, Aaron David→
director · ~54y · appointed 1999-04-19
View their other companies + combined net worth →
Active
REEVES, Amanda Jayne→
director · ~59y · appointed 2011-04-01
View their other companies + combined net worth →
Active
MORGAN, Ruth Ann→
secretary · resigned 2007-03-01
Resigned
PARMENTER, Andrew Martin Piper→
secretary · appointed 2007-03-01 · resigned 2012-04-10
Resigned
MORGAN, Robert William→
director · ~69y · appointed 1995-02-23 · resigned 2007-03-01
Resigned
MORGAN, Ruth Ann→
director · ~62y · resigned 2007-03-01
Resigned
OWEN, Timothy John→
director · ~74y · resigned 1995-02-23
Resigned
PARMENTER, Andrew Martin Piper→
director · ~60y · appointed 2004-06-01 · resigned 2012-04-10
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
HSBC
Hsbc UK Bank PLC
A registered charge1 property11/09/202003/02/2023
outstanding
Portfolio Property Investments
Portfolio Property Investments Limited
Rent deposit deed1 property01/05/1992—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (136 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-06-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-28
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-22
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-02
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-25
mortgage-satisfy-charge-full
mortgage · MR04
2023-02-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-05-18
confirmation-statement-with-updates
confirmation-statement · CS01
2022-05-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-24
confirmation-statement-with-updates
confirmation-statement · CS01
2021-05-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-23