ADCAS FINANCIAL MANAGEMENT LIMITED
🌳Matureactive
04609344 · ltd · incorporated 2002-12-05
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 23.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2026
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
- 65120Non-life insurance
- 65300Pension funding
- 66190Other activities auxiliary to financial services, except insurance and pension funding
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 78/100 (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: strategic trade sale (65/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 23.3y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 23.3 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 4 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 (2 active, 10 linked, 7 with DOB)
84
Ownership & PSC
3 active PSC(s) of 6 total, 6 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
131 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
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 | 2026-03-31 | 2025-03-31 |
|---|---|---|
| Average employees | 500 | 500 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 signals 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
3
filings
- • 1 accounts
- • 1 confirmation-statement
- • 1 mortgage
Last 90 days
3
filings
- • 1 accounts
- • 1 confirmation-statement
- • 1 mortgage
Last 180 days
3
filings
- • 1 accounts
- • 1 confirmation-statement
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (45 events)Click to expand
- 2026-05-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-05-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-05-13🔓Charge satisfied #1
- 2025-06-12📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2025-05-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-26📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2024-11-07📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2024-10-19📄capital-return-purchase-own-sharescapital · SH03
- 2024-10-19📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2024-10-19📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2024-10-19📄capital-return-purchase-own-sharescapital · SH03
- 2024-10-19📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2024-10-19📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2024-10-19📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2024-10-19📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2024-10-19📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2024-10-19📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2024-10-19📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2024-10-19📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2024-10-19📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2024-10-19📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2024-10-19📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2024-10-19📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2024-10-19📄capital-return-purchase-own-shares-treasury-capital-datecapital · SH03
- 2019-11-07➖HILL, Glyn Bentley resigneddirector
- 2019-02-22➖DUNN, Alastair Marshall resigneddirector
- 2017-06-26🔒Charge registered #2Lender: Svenska Handelsbanken Ab (Publ)
- 2017-04-04➕WRIGLEY, Ben appointeddirector
- 2012-04-10➖DUNN, Elizabeth Edith resignedsecretary
- 2012-04-10➖DUNN, Elizabeth Edith resigneddirector
- 2010-12-07➖SINCLAIR, Linda Kathleen resigneddirector
- 2010-12-06➕HILL, Glyn Bentley appointeddirector
- 2009-01-06➕COCKER, James Alan appointeddirector
- 2009-01-06➖SHIRLEY, Steven Andrew resigneddirector
- 2007-12-12➕SHIRLEY, Steven Andrew appointeddirector
- 2007-12-12➕SINCLAIR, Linda Kathleen appointeddirector
- 2003-01-21🔒Charge registered #1Lender: National Westminster Bank PLC
- 2002-12-05🏢Company incorporatedAs ADCAS FINANCIAL MANAGEMENT LIMITED
- 2002-12-05➕DUNN, Elizabeth Edith appointedsecretary
- 2002-12-05➕TEMPLE SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2002-12-05➖TEMPLE SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2002-12-05➕DUNN, Alastair Marshall appointeddirector
- 2002-12-05➕DUNN, Elizabeth Edith appointeddirector
- 2002-12-05➕COMPANY DIRECTORS LIMITED appointedcorporate-nominee-director
- 2002-12-05➖COMPANY DIRECTORS LIMITED resignedcorporate-nominee-director
Owner dependency
68/100
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.
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 17 years.
- secondaryStable-but-static management: Company is 23 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Sally Constance Cocker Individual · British · DOB 08/1949 · age 77 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/06/2018 |
Mr Ben Wrigley Individual · British · DOB 08/1980 · age 46 | — | — | sig. influencesignificant influence | 01/08/2018 |
Mr James Alan Cocker Individual · British · DOB 08/1979 · age 47 | — | — | sig. influencesignificant influence | 01/07/2016 |
3 historic (ceased) PSCs
- Mrs Elizabeth Edith Dunnceased 14/05/2024· 25-50% shares
- Mr Glyn Bentley Hillceased 07/11/2019· significant influence
- Mr Alastair Marshall Dunnceased 22/02/2019· 25-50% shares
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 · FY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 21ST CENTURY MORTGAGE FINANCE LIMITED→ 08848090 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| 4 SUPERNOVAS LTD→ 14448611 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 92834623434 LIMITED→ 16991800 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| A & N FINANCIAL MANAGEMENT LIMITED→ 10849117 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ALFA INVESTIMENTOS LTD→ 17128485 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ALLIUM MONEY LIMITED→ 10977963 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ANDERSON & CO (INSURANCE BROKERS) LIMITED→ 05104705 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| APPLETREE FINANCIAL SOLUTIONS LIMITED→ 05639143 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ARBATEL CAPITAL LIMITED→ 07220706 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| ASPIRATION FINANCIAL MANAGEMENT LIMITED→ 10452920 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| AUREUM PROPERTY INVESTMENTS LIMITED→ 16348578 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AVACOBS SERVICES LIMITED→ 11176577 · est 2018 · 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
Incorporated2002-12-05
Jurisdictionengland-wales
Primary SIC65110 — Life insurance
Registered office
90 Whitegate Drive
Blackpool
Lancashire
FY3 9DA
United Kingdom
Filing status
Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-05-19
Last: 2026-05-05
Officers (2 active · 8 resigned)
COCKER, James Alan→
Activedirector · ~47y · appointed 2009-01-06
View their other companies + combined net worth →
WRIGLEY, Ben→
Activedirector · ~46y · appointed 2017-04-04
View their other companies + combined net worth →
DUNN, Elizabeth Edith→
Resignedsecretary · appointed 2002-12-05 · resigned 2012-04-10
TEMPLE SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-12-05 · resigned 2002-12-05
DUNN, Alastair Marshall→
Resigneddirector · ~80y · appointed 2002-12-05 · resigned 2019-02-22
DUNN, Elizabeth Edith→
Resigneddirector · ~75y · appointed 2002-12-05 · resigned 2012-04-10
HILL, Glyn Bentley→
Resigneddirector · ~68y · appointed 2010-12-06 · resigned 2019-11-07
SHIRLEY, Steven Andrew→
Resigneddirector · ~62y · appointed 2007-12-12 · resigned 2009-01-06
SINCLAIR, Linda Kathleen→
Resigneddirector · ~77y · appointed 2007-12-12 · resigned 2010-12-07
COMPANY DIRECTORS LIMITED→
Resignedcorporate-nominee-director · appointed 2002-12-05 · resigned 2002-12-05
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 26/06/2017 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Charge of deposit | 1 property | 21/01/2003 | 13/05/2026 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (131 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-14
confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-13
mortgage-satisfy-charge-full
mortgage · MR04
2026-05-13
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2025-06-12
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-16
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2025-02-26
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2024-11-07
capital-return-purchase-own-shares
capital · SH03
2024-10-19
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2024-10-19
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2024-10-19
capital-return-purchase-own-shares
capital · SH03
2024-10-19
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2024-10-19
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2024-10-19
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2024-10-19