ACCESS FINANCIAL SERVICES LIMITED

💤Zombieactive
04427489 · ltd · incorporated 2002-04-30
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£140.3k
book net assets
Opportunity
74/100
Strong
🔔
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 22.7y

30/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 22.7 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: high (82/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
10 officers (1 active, 10 linked, 6 with DOB)
82
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
92 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
55
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £140,280
Net assets shrinking
Down £203,272 YoY
Cash YoY
-26%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£926k
↓ 26% YoY
Net Worth
£140k
↓ 59% YoY
Current Assets
£1.7m
↓ 5.3% YoY
Current Liabilities
—
£0£360k£719k£1.1m£1.4m£1.8mJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-07-312024-07-31
Total assets£1.28M£1.46M
Current assets£1.70M£1.80M
Cash£926.2k£1.25M
Debtors£776.3k£544.1k
Net assets£140.3k£343.6k

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 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (40 events)Click to expand
  1. 2026-04-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-12-23
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  4. 2024-11-20
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2024-11-19
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2024-01-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-09-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-02-11
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2022-02-11
    🔓
    Charge satisfied #2
  10. 2022-01-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2021-04-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2021-03-16
    ➖
    GOZTAS, Ali Ekber resigned
    director
  13. 2021-02-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2020-04-14
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  15. 2020-04-01
    ➖
    DRAKE, Tyce Jonathan resigned
    secretary
  16. 2020-01-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2019-09-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2019-09-25
    🔒
    Charge registered #2
    Lender: Hsbc UK Bank PLC
  19. 2019-09-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  20. 2019-09-03
    🔓
    Charge satisfied #1
  21. 2019-01-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  22. 2018-05-15
    ➕
    DRAKE, Tyce Jonathan appointed
    secretary
  23. 2017-08-11
    ➕
    GOZTAS, Ali Ekber appointed
    director
  24. 2017-05-17
    ➖
    GOZTAS, Ali Ekber resigned
    director
  25. 2017-05-17
    ➖
    WHITE, Richard James resigned
    director
  26. 2017-05-11
    ➕
    GOZTAS, Ali Ekber appointed
    director
  27. 2017-05-11
    ➕
    WHITE, Richard James appointed
    director
  28. 2017-02-21
    ➖
    FOULKS, Jayne Ann resigned
    secretary
  29. 2017-02-21
    ➖
    FOULKS, Adrian David Simon resigned
    director
  30. 2017-02-21
    ➖
    FOULKS, Jayne Ann resigned
    director
  31. 2017-02-20
    ➕
    WILKINSON, Karl Thomas appointed
    director
  32. 2003-10-15
    🔒
    Charge registered #1
    Lender: Stephen Marius Gray, the Honourable William Pleydell-Bouverie, Susan Anne Laing and Thehonourable Peter John Pleydell-Bouverie.
  33. 2002-04-30
    🏢
    Company incorporated
    As ACCESS FINANCIAL SERVICES LIMITED
  34. 2002-04-30
    ➕
    FOULKS, Jayne Ann appointed
    secretary
  35. 2002-04-30
    ➕
    ONLINE CORPORATE SECRETARIES LIMITED appointed
    corporate-secretary
  36. 2002-04-30
    ➖
    ONLINE CORPORATE SECRETARIES LIMITED resigned
    corporate-secretary
  37. 2002-04-30
    ➕
    FOULKS, Adrian David Simon appointed
    director
  38. 2002-04-30
    ➕
    FOULKS, Jayne Ann appointed
    director
  39. 2002-04-30
    ➕
    ONLINE NOMINEES LIMITED appointed
    corporate-director
  40. 2002-04-30
    ➖
    ONLINE NOMINEES LIMITED resigned
    corporate-director

Owner dependency

75/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

55/100
Strong succession signal

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

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • 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

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Karl Thomas Wilkinson
Individual · British · DOB 08/1973 · age 53
75–100%
—75-100% shares21/02/2017

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 →

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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
Incorporated2002-04-30
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Unit 1 Furtho Court Towcester Road
Old Stratford
Milton Keynes
MK19 6AN
England

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-09-29
Last: 2025-09-15

Officers (1 active · 9 resigned)

WILKINSON, Karl Thomas→
director · ~53y · appointed 2017-02-20
View their other companies + combined net worth →
Active
DRAKE, Tyce Jonathan→
secretary · appointed 2018-05-15 · resigned 2020-04-01
Resigned
FOULKS, Jayne Ann→
secretary · appointed 2002-04-30 · resigned 2017-02-21
Resigned
ONLINE CORPORATE SECRETARIES LIMITED→
corporate-secretary · appointed 2002-04-30 · resigned 2002-04-30
Resigned
FOULKS, Adrian David Simon→
director · ~60y · appointed 2002-04-30 · resigned 2017-02-21
Resigned
FOULKS, Jayne Ann→
director · ~51y · appointed 2002-04-30 · resigned 2017-02-21
Resigned
GOZTAS, Ali Ekber→
director · ~47y · appointed 2017-08-11 · resigned 2021-03-16
Resigned
GOZTAS, Ali Ekber→
director · ~47y · appointed 2017-05-11 · resigned 2017-05-17
Resigned
WHITE, Richard James→
director · ~64y · appointed 2017-05-11 · resigned 2017-05-17
Resigned
ONLINE NOMINEES LIMITED→
corporate-director · appointed 2002-04-30 · resigned 2002-04-30
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
HSBC
Hsbc UK Bank PLC
A registered charge1 property25/09/201911/02/2022
satisfied
Stephen Marius Gray, the Honourable William Pleydell-Bouverie, Susan Anne Laing and Thehonourable Peter John Pleydell-Bouverie.
Deed1 property15/10/200303/09/2019

Recent filings (92 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-30
change-account-reference-date-company-previous-extended
accounts · AA01
2024-12-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-11-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-11-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-14
confirmation-statement-with-updates
confirmation-statement · CS01
2022-02-11
mortgage-satisfy-charge-full
mortgage · MR04
2022-02-11
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-29