INTEGRATED FINANCIAL ARRANGEMENTS LTD

🌳Matureactive

03727592 · ltd · incorporated 1999-03-05

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 26.5y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (63/100, director aged 70). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 26.5y

65/100

clean up first

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

· Oldest live charge is 26.5 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 28/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (58/100)

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

No iXBRL financials extracted

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

34 officers (9 active, 34 linked, 26 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

5 connected companies via shared directors

Filing history

309 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 4 officers
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (83 events)Click to expand

2026-02-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-02-02
➕
POYNTZ WRIGHT, Nicholas Hugh appointed
director
2026-01-06
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2026-01-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-01-06
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2026-01-03
➖
GAVIGAN, Mary Elizabeth Ann resigned
director
2026-01-01
➕
JOHNSON, David Graham Charles appointed
secretary
2026-01-01
➖
WAKEFORD, Helen Mary resigned
secretary
2025-09-05
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-12
➕
GILL, John Easton appointed
director
2025-04-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-03-31
➖
RENDLE, Amanda Jane resigned
director
2025-03-18
📄
accounts-with-accounts-type-full
accounts · AA
2025-03-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-02-28
➖
GUNBY, Jonathan resigned
director
2024-10-28
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-10-18
➕
MARSHALL, Euan William appointed
director
2024-10-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-09-30
➖
BRETTELL, Jeremy Macduff resigned
director
2024-07-09
➖
MUNRO, Christopher Iain Craddock resigned
director
2024-07-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-05-18
📄
resolution
resolution · RESOLUTIONS
2024-05-09
📄
second-filing-capital-allotment-shares
capital · RP04SH01
2024-05-02
📄
capital-allotment-shares
capital · SH01
2024-04-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-04-01
➕
RENDLE, Amanda Jane appointed
director
2024-03-11
📄
accounts-with-accounts-type-full
accounts · AA
2023-06-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-05-31
➖
HOLDEN, Neil Jonathan resigned
director
2023-04-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-04-18
➕
DUNBAR, Thomas Graham appointed
director
2023-03-03
📄
accounts-with-accounts-type-full
accounts · AA
2023-03-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-02-22
➕
GAVIGAN, Mary Elizabeth Ann appointed
director
2022-02-11
➖
DAVIDSON, Judith Mary resigned
director
2020-04-27
➕
ISAAC, Jane Melanie appointed
director
2020-03-02
➖
TAYLOR, Ian Anthony resigned
director
2019-12-04
➕
CRANFIELD, Richard William Lionel appointed
director
2019-10-25
➕
LISTER, Charles Robert appointed
director
2019-09-26
➖
JOHNSON, David Graham Charles resigned
secretary
2019-09-26
➕
WAKEFORD, Helen Mary appointed
secretary
2019-01-11
➖
BAZLEY, Stuart Richard resigned
director
2018-08-22
➖
SNOWBALL, Patrick Joseph Robert resigned
director
2018-01-05
➕
GUNBY, Jonathan appointed
director
2017-10-01
➖
HOWARD, Michael resigned
director
2017-10-01
➕
SNOWBALL, Patrick Joseph Robert appointed
director
2017-02-01
➕
MUNRO, Christopher Iain Craddock appointed
director
2016-01-11
➖
WESTERMAN, Piers William Arthur resigned
director
2014-03-13
➕
BAZLEY, Stuart Richard appointed
director

Showing most recent 50 of 83 events

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-8 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 70 — succession pressure is live.

Succession & seller-readiness

73/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
secondary12+ year tenure: Director in role 15 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

2 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: WAKEFORD, Helen Mary resigned 2026-01-01; GAVIGAN, Mary Elizabeth Ann resigned 2026-01-03

Group structure

Integrafin Holdings Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Integrafin Holdings Plc

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

INTEGRATED FINANCIAL ARRANGEMENTS LTD

This company · 03727592

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%

Name	Shares	Voting rights	Nature of control	Notified
Integrafin Holdings Plc Corporate entity	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 →

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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.

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Company details

Statusactive

Typeltd

Incorporated1999-03-05

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

4th Floor 2 Gresham Street

London

EC2V 7AD

England

Filing status

Accounts

Next due: 2026-06-30

Last made up to: 2024-09-30

Confirmation statement

Next due: 2027-03-19

Last: 2026-03-05