ADVANCE FINANCIAL SERVICES LIMITED

💤Zombieactive
03015127 · ltd · incorporated 1995-01-27
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2026
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pursue
Active trading company with a 87-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 87). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (69/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

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
Confirmed no charges registered
85
Directors & officers
6 officers (1 active, 6 linked, 2 with DOB)
77
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
2 connected companies via shared directors
51
Filing history
83 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
90
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£0Jan 2025Jan 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2026-01-312025-01-31
Average employees100100

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 officers
Last 180 days
3
filings
  • • 1 officers
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2026-04-29
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  2. 2026-03-31
    ➖
    ROWLAND, Jill resigned
    secretary
  3. 2026-03-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-03-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-03-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-11-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2023-03-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-03-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-03-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-11-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2020-11-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2020-03-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2020-01-22
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2019-10-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2017-09-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2016-01-01
    ➕
    ROWLAND, Jill appointed
    secretary
  18. 2016-01-01
    ➖
    STYLES, Margaret Jean resigned
    secretary
  19. 1996-04-27
    ➖
    ROWLAND, David Marwood resigned
    secretary
  20. 1996-04-27
    ➕
    STYLES, Margaret Jean appointed
    secretary
  21. 1996-01-27
    ➖
    JONES, Peter Bartlett resigned
    director
  22. 1995-01-27
    🏢
    Company incorporated
    As ADVANCE FINANCIAL SERVICES LIMITED
  23. 1995-01-27
    ➕
    ROWLAND, David Marwood appointed
    director
  24. 1995-01-27
    ➕
    ROWLAND, David Marwood appointed
    secretary
  25. 1995-01-27
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  26. 1995-01-27
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary
  27. 1995-01-27
    ➕
    JONES, Peter Bartlett appointed
    director

Owner dependency

100/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 31 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 87 — succession pressure is live.

Succession & seller-readiness

100/100
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 87 years old. Natural succession window is now.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 31 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 31 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.)
🔒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

Statusactive
Typeltd
Incorporated1995-01-27
Jurisdictionengland-wales
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

Suite C Unit 2
Bryer Ash Business Park
Trowbridge
Wiltshire
BA14 8HE
United Kingdom

Filing status

Accounts
Next due: 2027-10-31
Last made up to: 2026-01-31
Confirmation statement
Next due: 2027-02-06
Last: 2026-01-23

Officers (1 active · 5 resigned)

ROWLAND, David Marwood→
director · ~87y · appointed 1995-01-27
View their other companies + combined net worth →
Active
ROWLAND, David Marwood→
secretary · appointed 1995-01-27 · resigned 1996-04-27
Resigned
ROWLAND, Jill→
secretary · appointed 2016-01-01 · resigned 2026-03-31
Resigned
STYLES, Margaret Jean→
secretary · appointed 1996-04-27 · resigned 2016-01-01
Resigned
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 1995-01-27 · resigned 1995-01-27
Resigned
JONES, Peter Bartlett→
director · ~77y · appointed 1995-01-27 · resigned 1996-01-27
Resigned

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

Recent filings (83 total)

termination-secretary-company-with-name-termination-date
officers · TM02
2026-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-11-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-11-23