SP FINANCIAL MANAGEMENT LIMITED
🌳Matureactive
04022324 · ltd · incorporated 2000-06-27
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 24.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 63-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 24.9y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 24.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 20/100 — clean.
Data confidence
Overall: high (82/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
15 officers (3 active, 15 linked, 10 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
107 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
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 accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Average employees | 8 | 800 |
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
2
filings
- • 1 confirmation-statement
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (45 events)Click to expand
- 2026-01-22📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-10-16📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-07-03📄change-person-director-company-with-change-dateofficers · CH01
- 2023-07-03📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-20➕MCARDLE, Joe appointeddirector
- 2023-04-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-11-16📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-11-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-11-07➖CLAYFIELD, Adrian James resigneddirector
- 2021-09-16📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-09-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-10-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-09-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-11-07📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2014-08-31➖JOHNSON, Gavin George resigneddirector
- 2012-02-28➕JOHNSON, Gavin George appointeddirector
- 2012-02-02➖MEARS, Aaron John resigneddirector
- 2011-07-27➕OLIVER, Hayley appointedsecretary
- 2011-07-27➖COLLIER, Wendy Ann resignedsecretary
- 2010-06-07➖PORTER, Barry resigneddirector
- 2009-06-15➕MEARS, Aaron John appointeddirector
- 2008-11-21➖BISLEY, Richard David resigneddirector
- 2008-11-19➖PAINTER, Marlene Rose resigneddirector
- 2008-09-18➖BISLEY, Carol Anne resigneddirector
- 2008-07-24➕COLLIER, Wendy Ann appointedsecretary
- 2008-07-24➖RHIND, James Frederick Arthur resignedsecretary
- 2007-07-11🔓Charge satisfied #1
- 2007-07-09➕LOCKETT, Gary James appointeddirector
- 2004-10-21➖STEGGLES, Simon resigneddirector
- 2003-11-10➕CLAYFIELD, Adrian James appointeddirector
- 2003-04-07➕BISLEY, Carol Anne appointeddirector
- 2003-04-07➕BISLEY, Richard David appointeddirector
- 2003-04-07➕PAINTER, Marlene Rose appointeddirector
- 2001-07-16🔒Charge registered #1Lender: National Westminster Bank PLC
- 2000-06-27🏢Company incorporatedAs SP FINANCIAL MANAGEMENT LIMITED
- 2000-06-27➕RHIND, James Frederick Arthur appointedsecretary
- 2000-06-27➕WATERLOW SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2000-06-27➖WATERLOW SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2000-06-27➕PORTER, Barry appointeddirector
- 2000-06-27➕STEGGLES, Simon appointeddirector
- 2000-06-27➕WATERLOW NOMINEES LIMITED appointedcorporate-nominee-director
- 2000-06-27➖WATERLOW NOMINEES LIMITED resignedcorporate-nominee-director
Owner dependency
76/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
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 19 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
Succession & seller-readiness
79/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 19 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Gary James Lockett Individual · British · DOB 02/1963 · age 63 | 50–75% | — | 50-75% shares | 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 →Similar companies
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|---|---|---|---|---|---|---|---|
| 33BLACKINVESTMENTS LIMITED→ 16783911 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| A BROWN MORTGAGE SERVICES LIMITED→ 10430525 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| A MERCHANT LIMITED→ 07169105 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| AB SPECIALIST FINANCE LTD→ 16620098 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADAM MURPHY CONSULTANCY LTD→ 15163577 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ADR GROUP LIMITED→ 02876683 · est 1993 · no financials extracted | — | — | — | — | 32y | — | — |
| ADVANCE MORTGAGE & PROTECTION ADVISERS LIMITED→ 15953994 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AGILE SPECIALIST CONSULTANCY LIMITED→ 13608837 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AGODECOTT LTD→ 13525883 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AH ASSETS FOR LIFE LTD→ 15600606 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AH WEALTH MANAGEMENT LTD→ 15883187 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AIMD INVESTMENT LTD→ 16183406 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2000-06-27
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
57a Broadway
Leigh-On-Sea
Essex
SS9 1PE
England
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-01-07
Last: 2025-12-24
Officers (3 active · 12 resigned)
Active
LOCKETT, Gary James→
Activedirector · ~63y · appointed 2007-07-09
View their other companies + combined net worth →
MCARDLE, Joe→
Activedirector · ~33y · appointed 2023-04-20
View their other companies + combined net worth →
COLLIER, Wendy Ann→
Resignedsecretary · appointed 2008-07-24 · resigned 2011-07-27
RHIND, James Frederick Arthur→
Resignedsecretary · appointed 2000-06-27 · resigned 2008-07-24
WATERLOW SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2000-06-27 · resigned 2000-06-27
BISLEY, Carol Anne→
Resigneddirector · ~75y · appointed 2003-04-07 · resigned 2008-09-18
BISLEY, Richard David→
Resigneddirector · ~75y · appointed 2003-04-07 · resigned 2008-11-21
CLAYFIELD, Adrian James→
Resigneddirector · ~56y · appointed 2003-11-10 · resigned 2022-11-07
JOHNSON, Gavin George→
Resigneddirector · ~64y · appointed 2012-02-28 · resigned 2014-08-31
MEARS, Aaron John→
Resigneddirector · ~57y · appointed 2009-06-15 · resigned 2012-02-02
PAINTER, Marlene Rose→
Resigneddirector · ~83y · appointed 2003-04-07 · resigned 2008-11-19
PORTER, Barry→
Resigneddirector · ~69y · appointed 2000-06-27 · resigned 2010-06-07
STEGGLES, Simon→
Resigneddirector · ~64y · appointed 2000-06-27 · resigned 2004-10-21
WATERLOW NOMINEES LIMITED→
Resignedcorporate-nominee-director · appointed 2000-06-27 · resigned 2000-06-27
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 16/07/2001 | 11/07/2007 |
Recent filings (107 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-26
change-person-director-company-with-change-date
officers · CH01
2026-01-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-25
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-02-26
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-09
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-03
change-person-director-company-with-change-date
officers · CH01
2023-07-03
change-person-director-company-with-change-date
officers · CH01
2023-07-03
appoint-person-director-company-with-name-date
officers · AP01
2023-04-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-04-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-11-16
termination-director-company-with-name-termination-date
officers · TM01
2022-11-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-06