AEON FINANCIAL SERVICES LIMITED

🌳Matureactive
03235062 · ltd · incorporated 1996-08-07
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 21.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 69-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 69). 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 · oldest 21.5y

65/100
clean up first

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

  • · Oldest live charge is 21.5 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: medium (79/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
10 officers (3 active, 10 linked, 6 with DOB)
82
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
86 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 accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Feb 2024Feb 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-02-282024-02-29
Average employees19001800

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

🔒Filing-note intelligence

3 signals 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 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (37 events)Click to expand
  1. 2025-08-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-06-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-09-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-06-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-04-14
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  6. 2022-04-14
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  7. 2022-04-14
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  8. 2021-12-08
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2021-12-08
    🔓
    Charge satisfied #2
  10. 2021-06-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-06-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-06-17
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2019-06-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-08-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-09-22
    📄
    accounts-with-accounts-type-full
    accounts · AA
  16. 2017-07-04
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  17. 2017-07-04
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  18. 2010-06-11
    🔒
    Charge registered #2
    Lender: Lloyds Tsb Bank PLC
  19. 2010-02-01
    ➖
    LONG, Julie resigned
    director
  20. 2010-01-27
    ➕
    LONG, Julie appointed
    director
  21. 2009-09-25
    ➖
    LONG, Julie resigned
    director
  22. 2008-12-01
    ➕
    HILL, Andrew Brian appointed
    director
  23. 2005-01-27
    ➕
    LONG, Anthony Richard appointed
    director
  24. 2004-12-01
    🔒
    Charge registered #1
    Lender: Lloyds Tsb Bank PLC
  25. 2002-08-01
    ➕
    LONG, Anthony Richard appointed
    secretary
  26. 2002-08-01
    ➖
    MCGUIRE, Deborah Jane resigned
    secretary
  27. 2002-08-01
    ➕
    LONG, Julie appointed
    director
  28. 2002-08-01
    ➖
    MCGUIRE, Deborah Jane resigned
    director
  29. 2002-08-01
    ➖
    MCGUIRE, John Kenneth resigned
    director
  30. 1996-08-07
    🏢
    Company incorporated
    As AEON FINANCIAL SERVICES LIMITED
  31. 1996-08-07
    ➕
    MCGUIRE, Deborah Jane appointed
    secretary
  32. 1996-08-07
    ➕
    WATERLOW SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  33. 1996-08-07
    ➖
    WATERLOW SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  34. 1996-08-07
    ➕
    MCGUIRE, Deborah Jane appointed
    director
  35. 1996-08-07
    ➕
    MCGUIRE, John Kenneth appointed
    director
  36. 1996-08-07
    ➕
    WATERLOW NOMINEES LIMITED appointed
    corporate-nominee-director
  37. 1996-08-07
    ➖
    WATERLOW NOMINEES LIMITED resigned
    corporate-nominee-director

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 21 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 69 — succession pressure is live.

Succession & seller-readiness

86/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 69. 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 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 30 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

Aeon Financial Group Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Aeon Financial Group Ltd
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
AEON FINANCIAL SERVICES LIMITED
This company · 03235062

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
Aeon Financial Group Ltd
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control11/03/2022
2 historic (ceased) PSCs
  • Mrs Julie Longceased 11/03/2022· 25-50% shares
  • Mr Anthony Richard Longceased 11/03/2022· 25-50% shares

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 · S postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
4 WARD FINANCE LTD→
11936926 · est 2019 · no financials extracted
————7y——
ACCESS MONEY (GROUP) LIMITED→
12783345 · est 2020 · no financials extracted
————5y——
ACE MORTGAGES LIMITED→
13380235 · est 2021 · no financials extracted
————4y——
ACEFICONE→
11918390 · est 2019 · no financials extracted
————7y——
ACF MORTGAGES LIMITED→
10201447 · est 2016 · no financials extracted
————9y——
ACORN RESERVE LTD→
13242218 · est 2021 · no financials extracted
————5y——
ACTUS RISK MANAGEMENT SERVICES LTD→
11540309 · est 2018 · no financials extracted
————7y——
ACW PROTECTION LTD→
15531074 · est 2024 · no financials extracted
————2y——
ADABIM INVESTMENT COMPANY LTD→
14788976 · est 2023 · no financials extracted
————3y——
ADELPHI BRAMAH LIMITED→
08592275 · est 2013 · no financials extracted
————12y——
AE PREMIER HOLDINGS→
12781774 · est 2020 · no financials extracted
————5y——
AFS LIMITED→
04238410 · est 2001 · no financials extracted
————24y——
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
Incorporated1996-08-07
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Aeon Court 108 Main Street
Bramley
Rotherham
S66 2SE
United Kingdom

Filing status

Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-03-28
Last: 2026-03-14

Officers (3 active · 7 resigned)

LONG, Anthony Richard→
secretary · appointed 2002-08-01
View their other companies + combined net worth →
Active
HILL, Andrew Brian→
director · ~60y · appointed 2008-12-01
View their other companies + combined net worth →
Active
LONG, Anthony Richard→
director · ~69y · appointed 2005-01-27
View their other companies + combined net worth →
Active
MCGUIRE, Deborah Jane→
secretary · appointed 1996-08-07 · resigned 2002-08-01
Resigned
WATERLOW SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 1996-08-07 · resigned 1996-08-07
Resigned
LONG, Julie→
director · ~68y · appointed 2010-01-27 · resigned 2010-02-01
Resigned
LONG, Julie→
director · ~68y · appointed 2002-08-01 · resigned 2009-09-25
Resigned
MCGUIRE, Deborah Jane→
director · ~61y · appointed 1996-08-07 · resigned 2002-08-01
Resigned
MCGUIRE, John Kenneth→
director · ~74y · appointed 1996-08-07 · resigned 2002-08-01
Resigned
WATERLOW NOMINEES LIMITED→
corporate-nominee-director · appointed 1996-08-07 · resigned 1996-08-07
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
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property11/06/201008/12/2021
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Debenture1 property01/12/2004—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (86 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-14
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-14
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2022-04-14
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-04-14
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-04-14
mortgage-satisfy-charge-full
mortgage · MR04
2021-12-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-22