INDEPENDENT INVESTMENT ASSOCIATES LIMITED

🌳Matureactive

04328527 · ltd · incorporated 2001-11-26

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

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2025

Net worth

£373.1k

book net assets

Opportunity

75/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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

Lenders & charges

Confirmed no charges registered

Directors & officers

12 officers (7 active, 12 linked, 7 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

86 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

75/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £373,134

Net assets shrinking

Down £50,253 YoY

Cash YoY

-14%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£577k

↓ 14% YoY

Net Worth

£373k

↓ 12% YoY

Current Assets

£584k

↓ 13% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-12-31	2024-12-31
Total assets	£377.1k	£425.0k
Current assets	£584.0k	£674.5k
Cash	£577.1k	£668.9k
Debtors	£6.9k	£5.6k
Net assets	£373.1k	£423.4k

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

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (35 events)Click to expand

2026-04-13
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-01
➕
HILL, Christopher John appointed
director
2025-04-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-11-01
➕
HARTLEY, Ian David appointed
director
2023-10-26
📄
memorandum-articles
incorporation · MA
2023-10-26
📄
resolution
resolution · RESOLUTIONS
2023-03-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-05
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-11
📄
change-person-director-company-with-change-date
officers · CH01
2021-03-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-03-09
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-07-09
📄
resolution
resolution · RESOLUTIONS
2019-07-08
📄
capital-name-of-class-of-shares
capital · SH08
2019-04-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-11-08
📄
appoint-person-director-company-with-name-date
officers · AP01
2018-06-01
➕
TROUGHTON, Andrew James appointed
director
2018-05-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2014-02-04
➕
CRANE, Jason appointed
director
2010-05-12
➕
HORNBY, Leigh Steven appointed
secretary
2010-05-12
➖
CONSOLIDATED ASSET MANAGEMENT LIMITED resigned
corporate-secretary
2008-09-30
➖
HORNBY, Leigh Steven resigned
secretary
2008-09-30
➕
CONSOLIDATED ASSET MANAGEMENT LIMITED appointed
corporate-secretary
2002-02-01
➖
JONES, Ian Stephen resigned
director
2001-11-26
🏢
Company incorporated
As INDEPENDENT INVESTMENT ASSOCIATES LIMITED
2001-11-26
➕
HORNBY, Leigh Steven appointed
director
2001-11-26
➕
RICHARDSON, Gary appointed
director
2001-11-26
➕
HORNBY, Leigh Steven appointed
secretary
2001-11-26
➕
SWIFT INCORPORATIONS LIMITED appointed
corporate-nominee-secretary
2001-11-26
➖
SWIFT INCORPORATIONS LIMITED resigned
corporate-nominee-secretary
2001-11-26
➕
JONES, Ian Stephen appointed
director
2001-11-26
➕
INSTANT COMPANIES LIMITED appointed
corporate-nominee-director
2001-11-26
➖
INSTANT COMPANIES LIMITED resigned
corporate-nominee-director

Owner dependency

50/100

Moderate — manageable with handover

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

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

50/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
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

Name	Shares	Voting rights	Nature of control	Notified
Mr Leigh Steven Hornby Individual · British · DOB 03/1970 · age 56	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016
Mr Gary Richardson Individual · British · DOB 07/1970 · age 56	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016

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

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KURA FINANCIAL LTD→ 14801010 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
L KASSELL LTD→ 11214470 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
LAKE DISTRICT MORTGAGES LIMITED→ 11087818 · est 2017 · no financials extracted	—	—	—	—	8y	—	—

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

Incorporated2001-11-26

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Cragdale House

Kents Bank Road

Grange Over Sands

Cumbria

LA11 7EY

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2026-12-01

Last: 2025-11-17