ANDOVER FINANCIAL PLANNING LTD

🌳Matureactive
04323277 · ltd · incorporated 2001-11-15
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 24.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 82-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (83/100, director aged 82). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 24.3y

85/100
ready

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

  • · Oldest live charge is 24.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (76/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
84 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 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
Average employees2200

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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2025-12-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-11-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-12-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-03-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-06-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2020-09-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2019-11-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2018-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-04-11
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2018-04-11
    🔓
    Charge satisfied #1
  11. 2017-11-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2016-11-07
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2015-12-01
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2015-11-26
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-03-04
    📄
    capital-allotment-shares
    capital · SH01
  16. 2014-11-25
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2002-02-12
    🔒
    Charge registered #1
    Lender: Hsbc Bank PLC
  18. 2002-01-15
    ➕
    GAYFORD, Juliet appointed
    secretary
  19. 2002-01-15
    ➕
    CAWDELL, Keith Eric appointed
    director
  20. 2002-01-15
    ➕
    GAYFORD, Juliet appointed
    director
  21. 2001-11-15
    🏢
    Company incorporated
    As ANDOVER FINANCIAL PLANNING LTD
  22. 2001-11-15
    ➕
    RM REGISTRARS LIMITED appointed
    corporate-nominee-secretary
  23. 2001-11-15
    ➖
    RM REGISTRARS LIMITED resigned
    corporate-nominee-secretary
  24. 2001-11-15
    ➕
    RM NOMINEES LIMITED appointed
    corporate-nominee-director
  25. 2001-11-15
    ➖
    RM NOMINEES LIMITED resigned
    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 24 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 82 — 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 82 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 24 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Juliet Gayford
Individual · British · DOB 08/1950 · age 76
25–50%
—25-50% shares06/04/2016
Mr Keith Eric Cawdell
Individual · British · DOB 07/1944 · age 82
25–50%
—25-50% shares06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Financial services · MK postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
A WARMAN LIMITED→
12010933 · est 2019 · no financials extracted
————6y——
ACCESSIBLE INSURANCE SERVICES LTD→
13415923 · est 2021 · no financials extracted
————4y——
AD VALOREM WEALTH MANAGEMENT SERVICES LIMITED→
16528307 · est 2025 · no financials extracted
———————
ALBURJ INVESTMENTS LTD→
12359931 · est 2019 · no financials extracted
————6y——
ALEX EDDY MORTGAGE SOLUTIONS LTD→
16946504 · est 2026 · no financials extracted
———————
ALL STAR FUNDING SOLUTIONS LIMITED→
10740832 · est 2017 · no financials extracted
————8y——
ALT ASSET FINANCE LIMITED→
04489879 · est 2002 · no financials extracted
————23y——
AMF HOLDINGS (MK) LTD→
16792879 · est 2025 · no financials extracted
———————
AMLION RISK SOLUTIONS LIMITED→
07578665 · est 2011 · no financials extracted
————15y——
AMSO INVESTMENTS→
10777748 · est 2017 · no financials extracted
————8y——
AMSTEL FUND MANAGEMENT LIMITED→
10333161 · est 2016 · no financials extracted
————9y——
ANDREW REYNOLDS MORTGAGES LTD→
11703908 · est 2018 · no financials extracted
————7y——
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
Incorporated2001-11-15
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

138 Bromham Road
Bedford
MK40 2QW

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-25
Last: 2025-11-11

Officers (3 active · 2 resigned)

GAYFORD, Juliet→
secretary · appointed 2002-01-15
View their other companies + combined net worth →
Active
CAWDELL, Keith Eric→
director · ~82y · appointed 2002-01-15
View their other companies + combined net worth →
Active
GAYFORD, Juliet→
director · ~76y · appointed 2002-01-15
View their other companies + combined net worth →
Active
RM REGISTRARS LIMITED→
corporate-nominee-secretary · appointed 2001-11-15 · resigned 2001-11-15
Resigned
RM NOMINEES LIMITED→
corporate-nominee-director · appointed 2001-11-15 · resigned 2001-11-15
Resigned

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
TypeProperties
satisfied
HSBC
Hsbc Bank PLC
Debenture1 property12/02/200211/04/2018

Recent filings (84 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-11
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-07
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-21
accounts-with-accounts-type-micro-entity
accounts · AA
2020-09-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-12-03
accounts-with-accounts-type-micro-entity
accounts · AA
2019-11-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-01-07