A2Z FINANCIAL SERVICES LIMITED

💤Zombieactive
03888226 · ltd · incorporated 1999-12-03
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 Mar 2025
Net worth
£-180.8k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -46% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (78/100)

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, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
71 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £180,765
Cash draining
Cash down 46% YoY
Cash YoY
-46%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£50k
↓ 46% YoY
Net Worth
-£181k
↑ 5.6% YoY
Current Assets
£188k
↓ 12% YoY
Current Liabilities
—
-£191k-£111k-£30k£51k£132k£212kMar 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£-58.7k£-37.7k
Current assets£187.9k£212.4k
Cash£50.0k£93.2k
Debtors£122.2k£104.2k
Net assets£-180.8k£-191.4k

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

🔒Filing-note intelligence

2 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
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-12-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-12-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-01-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2019-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-09-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2019-09-02
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  10. 2018-12-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2017-11-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2016-12-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-12-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2016-02-09
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2016-02-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2011-12-31
    ➖
    MCCONVILLE, Shirley Anne resigned
    secretary
  17. 2011-09-01
    ➕
    MACLEAN, Ewan John appointed
    director
  18. 2011-09-01
    ➖
    PRICE, Barrie resigned
    director
  19. 2006-06-01
    ➖
    ALZAITER, Ahmed resigned
    director
  20. 2000-03-01
    ➕
    ALZAITER, Ahmed appointed
    director
  21. 1999-12-13
    ➕
    PRICE, Barrie appointed
    director
  22. 1999-12-03
    🏢
    Company incorporated
    As A2Z FINANCIAL SERVICES LIMITED
  23. 1999-12-03
    ➕
    MCCONVILLE, Shirley Anne appointed
    secretary
  24. 1999-12-03
    ➕
    WATERLOW SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  25. 1999-12-03
    ➖
    WATERLOW SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  26. 1999-12-03
    ➕
    WATERLOW NOMINEES LIMITED appointed
    corporate-nominee-director
  27. 1999-12-03
    ➖
    WATERLOW NOMINEES LIMITED resigned
    corporate-nominee-director

Owner dependency

90/100
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.
  • +Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

88/100
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 65. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 15 years.
  • secondaryStable-but-static management: Company is 26 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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Ewan John Maclean
Individual · New Zealander · DOB 05/1961 · age 65
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016
1 historic (ceased) PSC
  • Jeanette Foster Macleanceased 25/08/2019· 25-50% shares · 25-50% voting

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
Incorporated1999-12-03
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

1 Park View Court,
St Paul's Road
Shipley
West Yorkshire
BD18 3DZ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-16
Last: 2025-09-02

Officers (1 active · 5 resigned)

MACLEAN, Ewan John→
director · ~65y · appointed 2011-09-01
View their other companies + combined net worth →
Active
MCCONVILLE, Shirley Anne→
secretary · appointed 1999-12-03 · resigned 2011-12-31
Resigned
WATERLOW SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 1999-12-03 · resigned 1999-12-03
Resigned
ALZAITER, Ahmed→
director · ~62y · appointed 2000-03-01 · resigned 2006-06-01
Resigned
PRICE, Barrie→
director · ~89y · appointed 1999-12-13 · resigned 2011-09-01
Resigned
WATERLOW NOMINEES LIMITED→
corporate-nominee-director · appointed 1999-12-03 · resigned 1999-12-03
Resigned

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

Recent filings (71 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-21
confirmation-statement-with-updates
confirmation-statement · CS01
2019-09-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2019-09-02