ALCHEMY FINANCIAL SOLUTIONS LIMITED

🌳Matureactive
04623744 · ltd · incorporated 2002-12-23
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 21.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£269.8k
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Accounting and auditing activities
Sector: Professional, scientific & technical
ALSO REGISTERED FOR
  • 69202Bookkeeping activities
  • 69203Tax consultancy
Investor take
Pursue
Active trading company with a 60-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 60). 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: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 21.0y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 21.0 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (83/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 3 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
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
15 connected companies via shared directors
90
Filing history
69 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
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 £269,761
Net assets shrinking
Down £1,517 YoY
Cash YoY
-3%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£6k
↓ 2.6% YoY
Net Worth
£270k
~ YoY
Current Assets
£279k
↑ 8.8% YoY
Current Liabilities
—
£0£56k£112k£168k£223k£279kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31
Total assets£428.4k£416.2k
Current assets£279.2k£256.6k
Cash£5.8k£6.0k
Debtors£234.3k£223.1k
Net assets£269.8k£271.3k

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
0
filings
Last 180 days
2
filings
  • • 1 capital
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2026-01-30
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  2. 2025-09-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2024-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-03-17
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2021-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-12-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-03-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2018-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2017-10-25
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  13. 2017-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-02-22
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2016-09-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2016-08-17
    🔒
    Charge registered #2
    Lender: Hsbc Bank PLC
  17. 2005-07-19
    🔒
    Charge registered #1
    Lender: Hsbc Bank PLC
  18. 2005-04-01
    ➕
    MATHARU, Inderjot Singh appointed
    secretary
  19. 2005-04-01
    ➕
    MATHARU, Inderjot Singh appointed
    director
  20. 2005-04-01
    ➖
    MANKU, Harjinder Singh resigned
    secretary
  21. 2005-04-01
    ➖
    MANKU, Harjinder Singh resigned
    director
  22. 2005-03-31
    ➕
    SEHMI, Avninder Singh appointed
    director
  23. 2005-03-31
    ➖
    UK PARTNERS LIMITED resigned
    corporate-director
  24. 2002-12-23
    🏢
    Company incorporated
    As ALCHEMY FINANCIAL SOLUTIONS LIMITED
  25. 2002-12-23
    ➕
    MANKU, Harjinder Singh appointed
    secretary
  26. 2002-12-23
    ➕
    MANKU, Harjinder Singh appointed
    director
  27. 2002-12-23
    ➕
    UK PARTNERS LIMITED appointed
    corporate-director

Owner dependency

76/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.

Succession & seller-readiness

76/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 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

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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Inderjot Singh Matharu
Individual · British · DOB 05/1977 · age 49
25–50%
75–100%75-100% shares · 75-100% voting16/07/2016
Mr Avninder Singh Sehmi
Individual · British · DOB 02/1966 · age 60
25–50%
—25-50% shares01/07/2016

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

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
Incorporated2002-12-23
Jurisdictionengland-wales
Primary SIC69201 — Accounting and auditing activities

Registered office

19 Edinburgh Drive
Staines-Upon-Thames
TW18 1PJ
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-01-06
Last: 2025-12-23

Officers (3 active · 3 resigned)

MATHARU, Inderjot Singh→
secretary · appointed 2005-04-01
View their other companies + combined net worth →
Active
MATHARU, Inderjot Singh→
director · ~49y · appointed 2005-04-01
View their other companies + combined net worth →
Active
SEHMI, Avninder Singh→
director · ~60y · appointed 2005-03-31
View their other companies + combined net worth →
Active
MANKU, Harjinder Singh→
secretary · appointed 2002-12-23 · resigned 2005-04-01
Resigned
MANKU, Harjinder Singh→
director · ~63y · appointed 2002-12-23 · resigned 2005-04-01
Resigned
UK PARTNERS LIMITED→
corporate-director · appointed 2002-12-23 · resigned 2005-03-31
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
HSBC
Hsbc Bank PLC
A registered charge1 property17/08/2016—
outstanding
HSBC
Hsbc Bank PLC
Debenture1 property19/07/2005—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (69 total)

capital-variation-of-rights-attached-to-shares
capital · SH10
2026-01-30
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-03-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-07