75POINT3 LIMITED

🌳Matureactive

04493724 · ltd · incorporated 2002-07-24

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Sept 2024

Net worth

£1.47M

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Other activities auxiliary to financial services, except insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 83/100 (exceptional), bankability 80/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · oldest 18.7y

45/100

under pressure

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

· Oldest live charge is 18.7 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Cashflow trend is negative — lender view likely cautious.

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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

13 officers (7 active, 13 linked, 10 with DOB)

Ownership & PSC

2 active PSC(s) of 4 total, 4 with control declared

Director network

2 connected companies via shared directors

Filing history

105 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £1,474,237

Net assets shrinking

Down £195,212 YoY

Cash YoY

-27%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£289k

↓ 27% YoY

Net Worth

£1.5m

↓ 12% YoY

Current Assets

£1.4m

↓ 13% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2024-09-30	2023-09-30
Total assets	£1.52M	£1.74M
Current assets	£1.35M	£1.56M
Cash	£288.6k	£393.5k
Debtors	£916.8k	£1.02M
Net assets	£1.47M	£1.67M

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

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (41 events)Click to expand

2025-06-27
📄
accounts-with-accounts-type-group
accounts · AA
2025-01-13
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-11-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-11-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-11-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-11-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-11-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-11-01
➕
JONES, David Price appointed
director
2024-10-31
➕
BROOKES, Tracy Elizabeth appointed
director
2024-10-31
➕
HALL, Emma Louise appointed
director
2024-10-31
➕
KNIGHT, Kimberley Jane appointed
director
2024-10-31
➖
PORTER, David Hamilton resigned
director
2024-10-23
📄
capital-alter-shares-subdivision
capital · SH02
2024-06-30
📄
accounts-with-accounts-type-group
accounts · AA
2023-06-26
📄
accounts-with-accounts-type-small
accounts · AA
2022-06-28
📄
accounts-with-accounts-type-small
accounts · AA
2021-07-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-06
📄
mortgage-satisfy-charge-full
mortgage · MR04
2021-07-06
🔓
Charge satisfied #2
2021-01-08
📄
resolution
resolution · RESOLUTIONS
2021-01-08
✏️
change-of-name-notice
change-of-name · CONNOT
2020-10-09
📄
capital-cancellation-shares
capital · SH06
2020-10-09
📄
capital-return-purchase-own-shares
capital · SH03
2020-07-27
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2019-12-06
➖
JONES, Anthony Morris resigned
director
2013-08-31
➖
GOW, Jane Elizabeth resigned
director
2013-04-12
➕
BONSALL, Mark Alexander appointed
director
2010-06-22
➖
BONSALL, Mark Alexander resigned
director
2009-06-01
➕
GOW, Jane Elizabeth appointed
director
2009-05-14
➕
BONSALL, Mark Alexander appointed
director
2007-09-25
🔒
Charge registered #2
Lender: National Westminster Bank PLC
2007-09-19
🔒
Charge registered #1
Lender: National Westminster Bank PLC
2002-08-12
➕
JONES, Stephen Allen appointed
secretary
2002-08-12
➕
JONES, Stephen Allen appointed
director
2002-08-12
➖
HARRISON, Irene Lesley resigned
nominee-secretary
2002-08-12
➕
JONES, Anthony Morris appointed
director
2002-08-12
➕
PORTER, David Hamilton appointed
director
2002-08-12
➖
BUSINESS INFORMATION RESEARCH & REPORTING LIMITED resigned
corporate-nominee-director
2002-07-24
🏢
Company incorporated
As 75POINT3 LIMITED
2002-07-24
➕
HARRISON, Irene Lesley appointed
nominee-secretary
2002-07-24
➕
BUSINESS INFORMATION RESEARCH & REPORTING LIMITED appointed
corporate-nominee-director

Owner dependency

66/100

High — earn-out structure required

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

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 63 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

30/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS

primaryFamily succession underway: Not a takeover target — JONES, David Price (same surname) appointed 2024-11-01. Pattern consistent with intra-family handover.
primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
primary20+ year tenure: Director in role 24 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 Stephen Allen Jones Individual · British · DOB 06/1963 · age 63	25–50%	—	25-50% shares	24/07/2016
Mr Mark Alexander Bonsall Individual · British · DOB 07/1974 · age 52	—	—	sig. influencesignificant influence	24/07/2016

2 historic (ceased) PSCs

Mr David Hamilton Porterceased 30/10/2024· significant influence
Mr Anthony Morris Jonesceased 01/05/2020· significant influence

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 · LL postcode area

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2 & 4 INVESTMENTS LIMITED→ 13661526 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
5PLUS INT. TRADING LTD→ 10307417 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
A1 QUANTUM ENERGY LTD→ 09388465 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
ABERGELE INSURANCE CONSULTANTS LIMITED→ 06425351 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
ADAM JAMES FINANCIAL SOLUTIONS LIMITED→ 05418812 · est 2005 · no financials extracted	—	—	—	—	21y	—	—
ANGELS INVEST WALES LIMITED→ 04601844 · est 2002 · no financials extracted	—	—	—	—	23y	—	—
ANGLESEY INSURANCE SERVICES LTD.→ 04376322 · est 2002 · no financials extracted	—	—	—	—	24y	—	—
ARRAN FINANCE LIMITED→ 03371820 · est 1997 · no financials extracted	—	—	—	—	28y	—	—
ASCENT FINANCIAL PLANNING LIMITED→ 11326329 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
BANKS CLAIMS GROUP LIMITED→ 11609019 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
BATEMAN JARVIS LIMITED→ 04635513 · est 2003 · no financials extracted	—	—	—	—	23y	—	—
BEARDMORE & CO LTD→ 04302477 · est 2001 · no financials extracted	—	—	—	—	24y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2002-07-24

Jurisdictionengland-wales

Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

14 Penrhyn Road

Colwyn Bay

Conwy County

LL29 8LG

Filing status

Accounts

Next due: 2026-06-30

Last made up to: 2024-09-30

Confirmation statement

Next due: 2026-11-17

Last: 2025-11-03