THE FINANCIAL ADVISERS LIMITED

🌳Matureactive
03435716 · ltd · incorporated 1997-09-17
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£758.4k
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Property-backed borrower with a 83-year-old founder — textbook succession opportunity.

Opportunity 75/100 (strong), bankability 57/100. Strong seller-intent signal (83/100, director aged 83). Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

14 live charges · 5 lenders · oldest 24.4y

25/100
too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

  • · Oldest live charge is 24.4 years old — likely at or near maturity.
  • · 5 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

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
14 charges (14/14 with lender, 14/14 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 4 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
94 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £758,415
Net assets shrinking
Down £35,080 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
£3k
Net Worth
£758k
↓ 4.4% YoY
Current Assets
£103k
↑ 2.7% YoY
Current Liabilities
—
£0£159k£317k£476k£635k£793kSept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-09-302023-09-30
Total assets£2.06M£2.10M
Current assets£103.2k£100.5k
Cash£2.7k—
Debtors—£100.5k
Net assets£758.4k£793.5k

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 (47 events)Click to expand
  1. 2025-09-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2025-07-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-06-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-03-31
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2023-03-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-05-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2022-05-18
    🔒
    Charge registered #14
    Lender: Charter Court Financial Services Limited
  8. 2021-12-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-10-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2021-10-04
    🔒
    Charge registered #13
    Lender: Charter Court Financial Services Limited
  11. 2021-01-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2020-04-01
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2020-03-17
    🔒
    Charge registered #12
    Lender: Charter Court Financial Services Limited
  14. 2020-03-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2020-03-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  16. 2020-02-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2019-03-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2018-12-21
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2018-12-21
    🔒
    Charge registered #11
    Lender: Charter Court Financial Services Limited
  20. 2018-12-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  21. 2018-12-14
    🔒
    Charge registered #10
    Lender: Charter Court Financial Services Limited
  22. 2018-07-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  23. 2016-11-25
    🔒
    Charge registered #9
    Lender: Onesavings Bank PLC
  24. 2016-09-20
    🔓
    Charge satisfied #1
  25. 2016-09-08
    🔒
    Charge registered #8
    Lender: Fleet Mortgages Limited
  26. 2016-08-23
    🔓
    Charge satisfied #3
  27. 2006-09-28
    🔒
    Charge registered #7
    Lender: Paragon Mortgages Limited
  28. 2006-09-19
    🔒
    Charge registered #6
    Lender: Mortgage Express
  29. 2006-09-19
    🔒
    Charge registered #5
    Lender: Mortgage Express
  30. 2004-02-27
    🔒
    Charge registered #4
    Lender: Paragon Mortgages Limited
  31. 2003-06-27
    🔒
    Charge registered #3
    Lender: Paragon Mortgages Limited
  32. 2002-02-08
    🔒
    Charge registered #2
    Lender: Paragon Mortgages Limited
  33. 2002-01-04
    🔒
    Charge registered #1
    Lender: Paragon Mortgages Limited
  34. 2001-10-22
    ➕
    JACOBS, Barry appointed
    secretary
  35. 2001-10-22
    ➕
    JACOBS, Barry appointed
    director
  36. 2001-10-22
    ➖
    JACOBS-ROTH, Jannine Kelly resigned
    secretary
  37. 2001-10-22
    ➖
    JACOBS-ROTH, Jannine Kelly resigned
    director
  38. 2001-10-01
    ➕
    GARSIDE, Jason Darrell appointed
    director
  39. 2001-10-01
    ➕
    JACOBS-ROTH, Jannine Kelly appointed
    secretary
  40. 2001-10-01
    ➖
    COAD SECRETARIES LTD resigned
    corporate-secretary
  41. 2001-10-01
    ➖
    JACOBS, Leslie Maurice resigned
    director
  42. 2001-10-01
    ➕
    JACOBS-ROTH, Jannine Kelly appointed
    director
  43. 1997-09-17
    🏢
    Company incorporated
    As THE FINANCIAL ADVISERS LIMITED
  44. 1997-09-17
    ➕
    COAD SECRETARIES LTD appointed
    corporate-secretary
  45. 1997-09-17
    ➕
    JACOBS, Leslie Maurice appointed
    director
  46. 1997-09-17
    ➕
    ARCO NOMINEES LTD appointed
    corporate-director
  47. 1997-09-17
    ➖
    ARCO NOMINEES LTD resigned
    corporate-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 25 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 83 — 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 83 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 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 29 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 med · 1 low
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.

12 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Jason Darrell Garside
Individual · British · DOB 10/1974 · age 52
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Barry Jacobs
Individual · British · DOB 03/1943 · age 83
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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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
Incorporated1997-09-17
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Unit 9 97/101 Peregrine Road
Hainault
Essex
IG6 3XH
England

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-09-08
Last: 2025-08-25

Officers (3 active · 5 resigned)

JACOBS, Barry→
secretary · appointed 2001-10-22
View their other companies + combined net worth →
Active
GARSIDE, Jason Darrell→
director · ~52y · appointed 2001-10-01
View their other companies + combined net worth →
Active
JACOBS, Barry→
director · ~83y · appointed 2001-10-22
View their other companies + combined net worth →
Active
JACOBS-ROTH, Jannine Kelly→
secretary · appointed 2001-10-01 · resigned 2001-10-22
Resigned
COAD SECRETARIES LTD→
corporate-secretary · appointed 1997-09-17 · resigned 2001-10-01
Resigned
JACOBS, Leslie Maurice→
director · ~62y · appointed 1997-09-17 · resigned 2001-10-01
Resigned
JACOBS-ROTH, Jannine Kelly→
director · ~56y · appointed 2001-10-01 · resigned 2001-10-22
Resigned
ARCO NOMINEES LTD→
corporate-director · appointed 1997-09-17 · resigned 1997-09-17
Resigned

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

Mortgages & charges

14
Total charges
12
Outstanding
5
Active lenders
Status:Lender:14 of 14 shown
TypeProperties
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property18/05/2022—
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property04/10/2021—
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property17/03/2020—
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property21/12/2018—
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property14/12/2018—
outstanding
Onesavings Bank
Onesavings Bank PLC
A registered charge1 property25/11/2016—
outstanding
Fleet Mortgages
Fleet Mortgages Limited
A registered charge1 property08/09/2016—
outstanding
Paragon
Paragon Mortgages Limited
Legal charge1 property28/09/2006—
outstanding
Mortgage Express
Mortgage deed1 property19/09/2006—
outstanding
Mortgage Express
Mortgage deed1 property19/09/2006—
outstanding
Paragon
Paragon Mortgages Limited
Legal charge1 property27/02/2004—
satisfied
Paragon
Paragon Mortgages Limited
Legal charge1 property27/06/200323/08/2016
outstanding
Paragon
Paragon Mortgages Limited
Legal charge1 property08/02/2002—
satisfied
Paragon
Paragon Mortgages Limited
Legal charge1 property04/01/200220/09/2016
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (94 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-02
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-03-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-21
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-05-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-10-04
confirmation-statement-with-updates
confirmation-statement · CS01
2021-08-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-11
confirmation-statement-with-updates
confirmation-statement · CS01
2020-09-08