A G B FINANCIAL SERVICES LTD
🌳Matureactive
04417800 · ltd · incorporated 2002-04-16
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 Apr 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: high (80/100)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
Confirmed no charges registered
85
Directors & officers
7 officers (2 active, 7 linked, 4 with DOB)
81
Ownership & PSC
3 active PSC(s) of 5 total, 5 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
78 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
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 · accounting standard unknown| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | — | £488.6k |
| Current assets | — | £506.3k |
| Net assets | — | £488.6k |
| Average employees | 3 | — |
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
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2026-01-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-04-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-04-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-10-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-11-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-01-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-11-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-10-31➖BARNES, Andrew George resigneddirector
- 2020-06-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-06-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-08-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-07-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-11-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2017-11-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-11-28📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2017-10-31➕KONTOU GOYMER, Nico George appointeddirector
- 2017-10-31➕NICHOLDS, David William appointeddirector
- 2017-10-31➖BARNES, Sandra Margaret resignedsecretary
- 2004-04-15➖BAYLEY, Roderick Jon resigneddirector
- 2002-04-16🏢Company incorporatedAs A G B FINANCIAL SERVICES LTD
- 2002-04-16➕BARNES, Sandra Margaret appointedsecretary
- 2002-04-16➕THEYDON SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2002-04-16➖THEYDON SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2002-04-16➕BARNES, Andrew George appointeddirector
- 2002-04-16➕BAYLEY, Roderick Jon appointeddirector
- 2002-04-16➕THEYDON NOMINEES LIMITED appointedcorporate-nominee-director
- 2002-04-16➖THEYDON NOMINEES LIMITED resignedcorporate-nominee-director
Owner dependency
66/100
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.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 24 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
Northcherry Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Northcherry Limited
Corporate parent · holds 75-100% shares
⬇
A G B FINANCIAL SERVICES LTD
This company · 04417800
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
3 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Northcherry Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 31/10/2017 |
Mr David Nicholds Individual · British · DOB 12/1965 · age 61 | — | — | sig. influencesignificant influence | 01/11/2017 |
Mr Nico Kontou Goymer Individual · British · DOB 05/1970 · age 56 | — | — | sig. influencesignificant influence | 01/11/2017 |
2 historic (ceased) PSCs
- Mr Andrew George Barnesceased 31/10/2017· significant influence
- Agb Holdings Limitedceased 31/10/2017· 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
Active · Financial services · WR postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 4U2B LIMITED→ 04884817 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| A GREEN & L EVANS FINANCIAL SERVICES LIMITED→ 16341856 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| A WAY WITH PROPERTY LIMITED→ 16127689 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABBEVILLE PIERCE CAPITAL LTD→ 16825210 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADAM SMITH FINANCIAL SERVICES LIMITED→ 10803190 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ADVANTAGE EARLY GROWTH LIMITED→ 04847732 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| AEGF 2 LTD→ 05893079 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| AJG ACTUARIAL LTD→ 10878661 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ALPHA BROKERS SERVICES LTD→ 16065770 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ALPHA COMMERCIAL BROKERS LTD→ 16811326 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALPHA MIX LTD→ 09100644 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ALTERNATIVE MASON INVESTMENTS LIMITED→ 13241941 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated2002-04-16
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
15 Queens Road 15 Queens Road
Evesham
Worcestershire
WR11 4JN
United Kingdom
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-05-01
Last: 2026-04-17
Officers (2 active · 5 resigned)
KONTOU GOYMER, Nico George→
Activedirector · ~56y · appointed 2017-10-31
View their other companies + combined net worth →
NICHOLDS, David William→
Activedirector · ~61y · appointed 2017-10-31
View their other companies + combined net worth →
BARNES, Sandra Margaret→
Resignedsecretary · appointed 2002-04-16 · resigned 2017-10-31
THEYDON SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-04-16 · resigned 2002-04-16
BARNES, Andrew George→
Resigneddirector · ~76y · appointed 2002-04-16 · resigned 2020-10-31
BAYLEY, Roderick Jon→
Resigneddirector · ~80y · appointed 2002-04-16 · resigned 2004-04-15
THEYDON NOMINEES LIMITED→
Resignedcorporate-nominee-director · appointed 2002-04-16 · resigned 2002-04-16
Click a director name to see their full track record across all companies.
Recent filings (78 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-22
accounts-with-accounts-type-micro-entity
accounts · AA
2026-01-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-22
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-04-22
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-04-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-18
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-17
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-27
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-05
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-19
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-19
termination-director-company-with-name-termination-date
officers · TM01
2020-11-03