ACCESS DIRECT FINANCIAL SERVICES LTD

🌳Matureactive
03856643 · ltd · incorporated 1999-10-11
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 24.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£65.8k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Life reinsurance
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 72-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 72). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · oldest 24.0y

65/100
clean up first

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

  • · Oldest live charge is 24.0 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: 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
7 officers (2 active, 7 linked, 4 with DOB)
81
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
79 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.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £65,847

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£66k
~ YoY
Current Assets
£124k
~ YoY
Current Liabilities
—
£0£25k£50k£75k£99k£124kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£124.3k£65.8k
Current assets£124.3k£124.3k
Net assets£65.8k£65.8k

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
0
filings
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2025-11-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-10-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-11-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-10-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-10-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2020-10-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2019-11-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2018-11-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2017-10-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2016-12-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2016-05-10
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  12. 2016-05-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2016-03-22
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  14. 2016-02-02
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  15. 2016-01-31
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2015-06-10
    ➖
    NESARAJAN, Yogarajah resigned
    secretary
  17. 2015-06-10
    ➖
    NESARAJAN, Yogarajah resigned
    director
  18. 2010-12-23
    ➖
    PERINPANATHAN, Subramaniam resigned
    director
  19. 2002-07-24
    🔒
    Charge registered #2
    Lender: National Westminster Bank PLC
  20. 2002-05-10
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  21. 2000-01-19
    ➕
    PATHMANATHAN, Aataamuthan appointed
    director
  22. 2000-01-19
    ➕
    SATKUNAM, Kathiravelpillai appointed
    director
  23. 2000-01-19
    ➕
    NESARAJAN, Yogarajah appointed
    secretary
  24. 2000-01-19
    ➕
    NESARAJAN, Yogarajah appointed
    director
  25. 2000-01-19
    ➕
    PERINPANATHAN, Subramaniam appointed
    director
  26. 1999-10-12
    ➖
    FORM 10 SECRETARIES FD LTD resigned
    corporate-nominee-secretary
  27. 1999-10-12
    ➖
    FORM 10 DIRECTORS FD LTD resigned
    corporate-nominee-director
  28. 1999-10-11
    🏢
    Company incorporated
    As ACCESS DIRECT FINANCIAL SERVICES LTD
  29. 1999-10-11
    ➕
    FORM 10 SECRETARIES FD LTD appointed
    corporate-nominee-secretary
  30. 1999-10-11
    ➕
    FORM 10 DIRECTORS FD LTD appointed
    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 26 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 72 — 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 72 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 26 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 27 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.)

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Satkunam Kathiravepillai
Individual · British · DOB 09/1954 · age 72
——sig. influencesignificant influence12/09/2016

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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated1999-10-11
Jurisdictionengland-wales
Primary SIC65201 — Life reinsurance

Registered office

23 Langmead Drive
Bushey Heath
Bushey
WD23 4GD
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-18
Last: 2025-10-04

Officers (2 active · 5 resigned)

PATHMANATHAN, Aataamuthan→
director · ~64y · appointed 2000-01-19
View their other companies + combined net worth →
Active
SATKUNAM, Kathiravelpillai→
director · ~72y · appointed 2000-01-19
View their other companies + combined net worth →
Active
NESARAJAN, Yogarajah→
secretary · appointed 2000-01-19 · resigned 2015-06-10
Resigned
FORM 10 SECRETARIES FD LTD→
corporate-nominee-secretary · appointed 1999-10-11 · resigned 1999-10-12
Resigned
NESARAJAN, Yogarajah→
director · ~65y · appointed 2000-01-19 · resigned 2015-06-10
Resigned
PERINPANATHAN, Subramaniam→
director · ~81y · appointed 2000-01-19 · resigned 2010-12-23
Resigned
FORM 10 DIRECTORS FD LTD→
corporate-nominee-director · appointed 1999-10-11 · resigned 1999-10-12
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property24/07/2002—
outstanding
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property10/05/2002—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (79 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-10
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-22
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-22
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-11
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-25
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-27
accounts-with-accounts-type-micro-entity
accounts · AA
2020-10-02
accounts-with-accounts-type-micro-entity
accounts · AA
2019-11-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-18
accounts-with-accounts-type-micro-entity
accounts · AA
2018-11-30