EFS FINANCIAL SERVICES LIMITED
🌳Matureactive
04132605 · ltd · incorporated 2000-12-29
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 24.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 24.1y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 24.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 20/100 — clean.
Data confidence
Overall: medium (60/100)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
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
26 officers (3 active, 26 linked, 22 with DOB)
87
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
154 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (71 events)Click to expand
- 2025-08-18📄accounts-with-accounts-type-fullaccounts · AA
- 2025-05-23📄capital-allotment-sharescapital · SH01
- 2024-09-04📄accounts-with-accounts-type-fullaccounts · AA
- 2024-06-28📄capital-allotment-sharescapital · SH01
- 2023-09-29📄accounts-with-accounts-type-fullaccounts · AA
- 2023-07-04📄capital-allotment-sharescapital · SH01
- 2022-10-25📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-25📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-24📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2022-09-01📄accounts-with-accounts-type-fullaccounts · AA
- 2022-06-08📄capital-allotment-sharescapital · SH01
- 2021-11-12📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2021-11-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-09-16📄accounts-with-accounts-type-fullaccounts · AA
- 2021-07-07📄auditors-resignation-companyauditors · AUD
- 2021-06-16📄capital-allotment-sharescapital · SH01
- 2020-10-02📄accounts-with-accounts-type-fullaccounts · AA
- 2020-06-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-06-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-06-24➕HORNE, Christopher appointeddirector
- 2020-06-24➖PICKFORD, Helen Alison resigneddirector
- 2020-01-01➕JENKINS, Gareth David appointeddirector
- 2019-12-31➖SYKES, James Richard resigneddirector
- 2018-08-31➖QUIN, James Barrington resigneddirector
- 2018-03-26➕ZURICH CORPORATE SECRETARY (UK) LIMITED appointedcorporate-secretary
- 2018-03-26➖ENDSLEIGH CORPORATE SECRETARY LIMITED resignedcorporate-secretary
- 2018-03-26➖BOLTON, Paul Christopher resigneddirector
- 2018-03-26➖BRINLEY, Jeffery Charles resigneddirector
- 2018-03-26➖NEAVE, Matthew Ray resigneddirector
- 2018-03-26➕PICKFORD, Helen Alison appointeddirector
- 2018-03-26➕QUIN, James Barrington appointeddirector
- 2018-03-26➕SYKES, James Richard appointeddirector
- 2018-02-14➖ETHERIDGE, Elaine Anne resigneddirector
- 2017-11-16➕BOLTON, Paul Christopher appointeddirector
- 2017-07-28➖SCOTT, Paul resigneddirector
- 2017-06-27➕NEAVE, Matthew Ray appointeddirector
- 2017-06-27➕SCOTT, Paul appointeddirector
- 2016-09-06➖NICHOLS, David Charles George resigneddirector
- 2016-07-01➖MARTIN, Kay resigneddirector
- 2015-07-31➖SMITH, Antony Alan resigneddirector
- 2015-04-30➖PARSONS, David John Charles resignedsecretary
- 2015-04-30➕ENDSLEIGH CORPORATE SECRETARY LIMITED appointedcorporate-secretary
- 2014-10-31➖LARDEN, Timothy David resigneddirector
- 2014-07-15➕LARDEN, Timothy David appointeddirector
- 2014-07-15➕NICHOLS, David Charles George appointeddirector
- 2014-06-30➖PASSMORE, Ian resigneddirector
- 2014-03-25➖DODDS, Gerald Vincent resigneddirector
- 2011-02-03➕MARTIN, Kay appointeddirector
- 2010-05-01➖ALCOCK, Michael resigneddirector
- 2009-11-05➖ALLISON, Robert John resigneddirector
Showing most recent 50 of 71 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 25 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Zurich Holdings (Uk) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Zurich Holdings (Uk) Limited
Corporate parent · holds 75-100% shares · board control
⬇
EFS FINANCIAL SERVICES LIMITED
This company · 04132605
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 |
|---|---|---|---|---|
Zurich Holdings (Uk) Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 26/03/2018 |
2 historic (ceased) PSCs
- Endsleigh Insurance Services Limitedceased 26/03/2018· 75-100% shares
- Endsleigh Insurance Services Limitedceased 26/03/2018· 75-100% shares · 75-100% voting · board control
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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|---|---|---|---|---|---|---|---|
| ABKA LIMITED→ 08902688 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ACTIVE ASSET MANAGEMENT LIMITED→ 09182574 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ALCHEMY INVESTMENT MANAGEMENT→ 13497123 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ALLEN SALTER WEALTH MANAGEMENT LTD→ 04068038 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| ALLIED WESSEX WESTINSURE LIMITED→ 04489781 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ANDERSON WEALTH MANAGEMENT LTD→ 08318838 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| ANGEL MORTGAGES (SOUTH WEST) LTD→ 15265120 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ANGUILLA STATION LIMITED→ 16039313 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ASPIRE COMMERCIAL FINANCE LIMITED→ 09076273 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ASSET GUARDIAN COMPANY LIMITED→ 03362486 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
| AURELIUS HOLDINGS LTD→ 09895737 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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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
Incorporated2000-12-29
Jurisdictionengland-wales
Primary SIC65110 — Life insurance
Registered office
Unity Place
1 Carfax Close
Swindon
Wiltshire
SN1 1AP
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-08-15
Last: 2025-08-01
Officers (3 active · 23 resigned)
ZURICH CORPORATE SECRETARY (UK) LIMITED→
Activecorporate-secretary · appointed 2018-03-26
View their other companies + combined net worth →
HORNE, Christopher→
Activedirector · ~49y · appointed 2020-06-24
View their other companies + combined net worth →
JENKINS, Gareth David→
Activedirector · ~50y · appointed 2020-01-01
View their other companies + combined net worth →
PARSONS, David John Charles→
Resignedsecretary · appointed 2000-12-29 · resigned 2015-04-30
ENDSLEIGH CORPORATE SECRETARY LIMITED→
Resignedcorporate-secretary · appointed 2015-04-30 · resigned 2018-03-26
SWIFT INCORPORATIONS LIMITED→
Resignedcorporate-nominee-secretary · appointed 2000-12-29 · resigned 2000-12-29
ALCOCK, Michael→
Resigneddirector · ~75y · appointed 2004-09-02 · resigned 2010-05-01
ALLISON, Robert John→
Resigneddirector · ~69y · appointed 2009-08-12 · resigned 2009-11-05
BOLTON, Paul Christopher→
Resigneddirector · ~52y · appointed 2017-11-16 · resigned 2018-03-26
BRINLEY, Jeffery Charles→
Resigneddirector · ~70y · appointed 2004-09-02 · resigned 2018-03-26
DODDS, Gerald Vincent→
Resigneddirector · ~62y · appointed 2007-02-23 · resigned 2014-03-25
ETHERIDGE, Elaine Anne→
Resigneddirector · ~66y · appointed 2000-12-29 · resigned 2018-02-14
LARDEN, Timothy David→
Resigneddirector · ~50y · appointed 2014-07-15 · resigned 2014-10-31
MARTIN, Kay→
Resigneddirector · ~59y · appointed 2011-02-03 · resigned 2016-07-01
NEAVE, Matthew Ray→
Resigneddirector · ~44y · appointed 2017-06-27 · resigned 2018-03-26
NICHOLS, David Charles George→
Resigneddirector · ~53y · appointed 2014-07-15 · resigned 2016-09-06
PARSONS, David John Charles→
Resigneddirector · ~75y · appointed 2000-12-29 · resigned 2003-03-17
PASSMORE, Ian→
Resigneddirector · ~67y · appointed 2000-12-29 · resigned 2014-06-30
PICKFORD, Helen Alison→
Resigneddirector · ~55y · appointed 2018-03-26 · resigned 2020-06-24
QUIN, James Barrington→
Resigneddirector · ~57y · appointed 2018-03-26 · resigned 2018-08-31
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 | Debenture | 1 property | 26/04/2002 | 17/05/2008 |
Recent filings (154 total)
accounts-with-accounts-type-full
accounts · AA
2025-08-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-01
capital-allotment-shares
capital · SH01
2025-05-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-02
accounts-with-accounts-type-full
accounts · AA
2024-09-04
capital-allotment-shares
capital · SH01
2024-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-02
accounts-with-accounts-type-full
accounts · AA
2023-09-29
capital-allotment-shares
capital · SH01
2023-07-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-16
change-person-director-company-with-change-date
officers · CH01
2022-10-25
change-person-director-company-with-change-date
officers · CH01
2022-10-25
change-sail-address-company-with-old-address-new-address
address · AD02
2022-10-24
accounts-with-accounts-type-full
accounts · AA
2022-09-01
capital-allotment-shares
capital · SH01
2022-06-08