FANGDALE FINANCIAL LIMITED

🌳Matureactive

04666785 · ltd · incorporated 2003-02-14

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 14.7y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Apr 2026

Net worth

—

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Activities of insurance agents and brokers

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 69-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (83/100, director aged 69). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 14.7y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 14.7 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (76/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

5 officers (3 active, 5 linked, 2 with DOB)

Ownership & PSC

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

Director network

Network not yet resolved

Filing history

71 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

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.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2026-04-30	2025-04-30
Average employees	200	200

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (25 events)Click to expand

2026-05-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-05-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-05
📄
mortgage-satisfy-charge-full
mortgage · MR04
2019-11-05
🔓
Charge satisfied #1
2019-08-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-04-04
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2019-02-06
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2018-05-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-04-02
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2017-07-04
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-06-22
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2011-10-11
🔒
Charge registered #1
Lender: Lloyds Tsb Bank PLC
2003-02-14
🏢
Company incorporated
As FANGDALE FINANCIAL LIMITED
2003-02-14
➕
ARNOLD, Lynne Hilda appointed
secretary
2003-02-14
➕
ARNOLD, Lynne Hilda appointed
director
2003-02-14
➕
ARNOLD, Paul appointed
director
2003-02-14
➕
OCS CORPORATE SECRETARIES LIMITED appointed
corporate-nominee-secretary
2003-02-14
➖
OCS CORPORATE SECRETARIES LIMITED resigned
corporate-nominee-secretary
2003-02-14
➕
OCS DIRECTORS LIMITED appointed
corporate-nominee-director
2003-02-14
➖
OCS DIRECTORS LIMITED resigned
corporate-nominee-director

Owner dependency

91/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

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 23 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 69 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

86/100

Likely off-market candidate

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
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

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
Mrs Lynne Hilda Arnold Individual · British · DOB 01/1959 · age 67	50–75%	—	50-75% shares	06/04/2016
Mr Paul Arnold Individual · British · DOB 02/1957 · age 69	25–50%	—	25-50% shares	06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Financial services · DL postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ADVANCED MORTGAGE SOLUTIONS NORTH EAST LIMITED→ 13421800 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
B. PORTWOOD & COMPANY LIMITED→ 00785468 · est 1963 · no financials extracted	—	—	—	—	62y	—	—
BANNATYNE FINANCE LIMITED→ 12318009 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
CLAIRE HOGG MORTGAGES & PROTECTION LIMITED→ 11826805 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
DIAMOND INTERNATIONAL OVERSEAS LTD→ 06672742 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
DRI LTD→ 09533157 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
EURODEBT RECOVERY LIMITED→ 03593833 · est 1998 · no financials extracted	—	—	—	—	27y	—	—
EVB1 LIMITED→ 12934188 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
FATHOM FINANCIAL LIMITED→ 10548553 · est 2017 · no financials extracted	—	—	—	—	9y	—	—
FIVE DAUGHTERS UNLIMITED→ 13544719 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
FOCUS FINANCIAL (NE) LIMITED→ 09576451 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
FORCES HOMES MORTGAGES LTD→ 11357236 · est 2018 · no financials extracted	—	—	—	—	7y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2003-02-14

Jurisdictionengland-wales

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

7 Menville Close

School Aycliffe

Newton Aycliffe

County Durham

DL5 6TH

United Kingdom

Filing status

Accounts

Next due: 2028-01-31

Last made up to: 2026-04-30

Confirmation statement

Next due: 2027-03-15

Last: 2026-03-01

Officers (3 active · 2 resigned)

ARNOLD, Lynne Hilda→

secretary · appointed 2003-02-14

View their other companies + combined net worth →

Active

ARNOLD, Lynne Hilda→

director · ~67y · appointed 2003-02-14

View their other companies + combined net worth →

Active

ARNOLD, Paul→

director · ~69y · appointed 2003-02-14

View their other companies + combined net worth →

Active

OCS CORPORATE SECRETARIES LIMITED→

corporate-nominee-secretary · appointed 2003-02-14 · resigned 2003-02-14

Resigned

OCS DIRECTORS LIMITED→

corporate-nominee-director · appointed 2003-02-14 · resigned 2003-02-14

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	satisfied	Lloyds Banking Group Lloyds Tsb Bank PLC	Debenture	1 property	11/10/2011	05/11/2019