DA FINANCIAL SERVICES (DALSTON) LIMITED

🌳Matureactive

04030020 · ltd · incorporated 2000-07-10

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 9.0y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2024

Net worth

—

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Life insurance

Sector: Financial & insurance

ALSO REGISTERED FOR

65120Non-life insurance
65201Life reinsurance
65300Pension funding

Investor take

Pursue

Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 82/100 (exceptional), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 9.0y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 9.0 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (83/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 4 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

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

Directors & officers

12 officers (5 active, 12 linked, 9 with DOB)

Ownership & PSC

1 active PSC(s) of 3 total, 3 with control declared

Director network

13 connected companies via shared directors

Filing history

100 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

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.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2024-12-31	2023-12-31
Average employees	0	0

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (38 events)Click to expand

2025-05-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-11
📄
resolution
resolution · RESOLUTIONS
2022-08-11
📄
capital-name-of-class-of-shares
capital · SH08
2022-06-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-01-01
➕
EDMONDSON, Neil appointed
director
2021-08-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-08
📄
resolution
resolution · RESOLUTIONS
2020-12-08
✏️
change-of-name-notice
change-of-name · CONNOT
2020-10-09
➖
ALLEN, Alison resigned
director
2020-10-09
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2020-10-09
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2020-10-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-10-09
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2020-07-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-09-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-03-04
📄
capital-name-of-class-of-shares
capital · SH08
2017-05-17
🔒
Charge registered #1
Lender: National Westminster Bank PLC
2016-01-01
➕
BALMER, Steven James appointed
director
2014-03-04
➖
BATY, Derek Thomas resigned
director
2012-04-13
➖
GARDNER, Nicholas Edwin resigned
director
2012-01-05
➕
WELTON, Alison appointed
director
2012-01-05
➕
BATY, Derek Thomas appointed
director
2007-12-10
➕
ALLEN, Steven David appointed
director
2007-12-10
➖
PIERI, John Paul resigned
director
2004-07-27
➕
ALLEN, Alison appointed
director
2004-07-27
➖
ALLEN, Steven David resigned
director
2000-07-11
➖
FORM 10 SECRETARIES FD LTD resigned
corporate-nominee-secretary
2000-07-11
➖
FORM 10 DIRECTORS FD LTD resigned
corporate-nominee-director
2000-07-10
🏢
Company incorporated
As DA FINANCIAL SERVICES (DALSTON) LIMITED
2000-07-10
➕
ALLEN, Steven David appointed
secretary
2000-07-10
➕
FORM 10 SECRETARIES FD LTD appointed
corporate-nominee-secretary
2000-07-10
➕
ALLEN, Steven David appointed
director
2000-07-10
➕
GARDNER, Nicholas Edwin appointed
director
2000-07-10
➕
PIERI, John Paul appointed
director
2000-07-10
➕
FORM 10 DIRECTORS FD LTD appointed
corporate-nominee-director

Owner dependency

58/100

Moderate — manageable with handover

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

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 60 — approaching natural succession window.

Succession & seller-readiness

63/100

Strong succession signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
secondary12+ year tenure: Director in role 18 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%

Name	Shares	Voting rights	Nature of control	Notified
Mr Steven David Allen Individual · British · DOB 12/1966 · age 60	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	09/10/2020

2 historic (ceased) PSCs

Mrs Alison Allenceased 09/10/2020· 75-100% shares · 75-100% voting · board control
Mrs Alison Allenceased 09/10/2020· 75-100% shares · 75-100% 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 →

Similar companies

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ACT LOGIC LIMITED→ 16882554 · est 2025 · no financials extracted	—	—	—	—	—	—	—
AHR 151 LIMITED→ 01835383 · est 1984 · no financials extracted	—	—	—	—	41y	—	—
ARC EDEN LIMITED→ 05299049 · est 2004 · no financials extracted	—	—	—	—	21y	—	—
BROWNRIGG PROPERTIES LIMITED→ 07800966 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
CALEDONIAN CONSUMER FINANCE LTD→ 07368004 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
CAREER FINANCE 4 TRADE SKILLS LIMITED→ 06047066 · est 2007 · no financials extracted	—	—	—	—	19y	—	—
CMD FINANCIAL SOLUTIONS LTD→ 06650508 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
COVERNANT LTD→ 15024232 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
CUMBRIA CVS TRADING LIMITED→ 08703970 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
CUMBRIA INDEPENDENT MORTGAGE SERVICES LTD→ 05697209 · est 2006 · no financials extracted	—	—	—	—	20y	—	—
DAVID ALLEN FINANCIAL SERVICES (DALSTON) LIMITED→ 06966976 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
DAVID MALIN FINANCIAL ADVICE LTD→ 15752867 · est 2024 · 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.

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Company details

Statusactive

Typeltd

Incorporated2000-07-10

Jurisdictionengland-wales

Primary SIC65110 — Life insurance

Registered office

Dalmar House Barras Lane Estate

Dalston

Carlisle

Cumbria

CA5 7NY

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-01-05

Last: 2025-12-22