AIREVALLEY INDEPENDENT FINANCIAL ADVISORS LIMITED
🌳Matureactive
04617724 · ltd · incorporated 2002-12-13
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
—
not disclosed
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
- 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 74/100 (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).
Data confidence
Overall: medium (60/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
7 officers (2 active, 7 linked, 5 with DOB)
84
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
19 connected companies via shared directors
90
Filing history
93 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
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2025-10-31📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-10-31📄legacyaccounts · PARENT_ACC
- 2025-10-31📄legacyother · AGREEMENT2
- 2025-10-14📄legacyother · GUARANTEE2
- 2024-12-13📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-13📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-23📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-10-23📄legacyaccounts · PARENT_ACC
- 2024-10-23📄legacyother · GUARANTEE2
- 2024-10-23📄legacyother · AGREEMENT2
- 2023-09-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-05-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-28📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2021-03-30✏️change-of-name-noticechange-of-name · CONNOT
- 2020-11-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-10-21📄capital-allotment-sharescapital · SH01
- 2020-09-25📄resolutionresolution · RESOLUTIONS
- 2020-09-25📄capital-name-of-class-of-sharescapital · SH08
- 2020-05-22➕MARDON, Charles James appointeddirector
- 2020-05-22➕MARDON, Janette appointeddirector
- 2020-05-22➖WATERHOUSE, Mark resignedsecretary
- 2020-05-22➖LOHAN, John Stephen resigneddirector
- 2020-05-22➖WATERHOUSE, Mark resigneddirector
- 2002-12-13🏢Company incorporatedAs AIREVALLEY INDEPENDENT FINANCIAL ADVISORS LIMITED
- 2002-12-13➕LAZARUS, Heather Ann appointednominee-secretary
- 2002-12-13➖LAZARUS, Heather Ann resignednominee-secretary
- 2002-12-13➕WATERHOUSE, Mark appointedsecretary
- 2002-12-13➕LAZARUS, Harry Pierre appointednominee-director
- 2002-12-13➖LAZARUS, Harry Pierre resignednominee-director
- 2002-12-13➕LOHAN, John Stephen appointeddirector
- 2002-12-13➕WATERHOUSE, Mark appointeddirector
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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 23 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
Sovereign Money Matters Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Sovereign Money Matters Limited
Corporate parent · holds 75-100% shares · board control
⬇
AIREVALLEY INDEPENDENT FINANCIAL ADVISORS LIMITED
This company · 04617724
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Sovereign Money Matters Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 22/05/2020 |
2 historic (ceased) PSCs
- Mr Mark Waterhouseceased 22/05/2020· 25-50% shares
- Mr John Stephen Lohanceased 22/05/2020· 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 · BD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ACCORD MORTGAGES LIMITED→ 02139881 · est 1987 · no financials extracted | — | — | — | — | 38y | — | — |
| ALEXANDER FINANCIAL SOLUTIONS LTD→ 11365305 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| APPOINTEE CARE LIMITED→ 15957094 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARGENTUM RESET LTD→ 17089809 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ARSHAD HOLDINGS LIMITED→ 16747741 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ASAD CONSULTING LTD→ 12025325 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ASTUTE PENSION TRUSTEES LIMITED→ 08696449 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ATRIUM WEALTH MANAGEMENT LIMITED→ 10628519 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| BANQUE DE PARIS LTD→ 12120169 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BEF (LONDON) LTD→ 15991707 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BEF BSC 2 LTD→ 15307277 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BEF BSC LTD→ 11609382 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2002-12-13
Jurisdictionengland-wales
Primary SIC65110 — Life insurance
Registered office
2-4 Briggate, Silsden
Keighley
West Yorkshire
BD20 9JT
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-27
Last: 2025-12-13
Officers (2 active · 5 resigned)
MARDON, Charles James→
Activedirector · ~47y · appointed 2020-05-22
View their other companies + combined net worth →
MARDON, Janette→
Activedirector · ~47y · appointed 2020-05-22
View their other companies + combined net worth →
LAZARUS, Heather Ann→
Resignednominee-secretary · appointed 2002-12-13 · resigned 2002-12-13
WATERHOUSE, Mark→
Resignedsecretary · appointed 2002-12-13 · resigned 2020-05-22
LAZARUS, Harry Pierre→
Resignednominee-director · ~89y · appointed 2002-12-13 · resigned 2002-12-13
LOHAN, John Stephen→
Resigneddirector · ~76y · appointed 2002-12-13 · resigned 2020-05-22
WATERHOUSE, Mark→
Resigneddirector · ~65y · appointed 2002-12-13 · resigned 2020-05-22
Click a director name to see their full track record across all companies.
Recent filings (93 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-15
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-10-31
legacy
accounts · PARENT_ACC
2025-10-31
legacy
other · AGREEMENT2
2025-10-31
legacy
other · GUARANTEE2
2025-10-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-13
change-person-director-company-with-change-date
officers · CH01
2024-12-13
change-person-director-company-with-change-date
officers · CH01
2024-12-13
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-10-23
legacy
accounts · PARENT_ACC
2024-10-23
legacy
other · GUARANTEE2
2024-10-23
legacy
other · AGREEMENT2
2024-10-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-18
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-15