4WEALTH LIMITED

🌳Matureactive
04668130 · ltd · incorporated 2003-02-17
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 18.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£29.0k
book net assets
Opportunity
83/100
Exceptional
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What this business does

Likely providing auxiliary support services to the insurance and pension funding sector — such as claims handling, risk assessment, or administrative functions — operating as a small, owner-managed financial services intermediary based in Essex.

Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (80/100, director aged 59). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · oldest 18.8y

85/100
ready

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

  • · Oldest live charge is 18.8 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (77/100)

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
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
13 officers (3 active, 13 linked, 7 with DOB)
81
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
119 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 £29,006
Net assets shrinking
Down £4,770 YoY
Cash YoY
-7%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£64k
↓ 7.5% YoY
Net Worth
£29k
↓ 14% YoY
Current Assets
£64k
Current Liabilities
—
£0£14k£28k£42k£55k£69kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£29.0k£33.8k
Current assets£64.1k—
Cash£64.1k£69.3k
Net assets£29.0k£33.8k

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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (46 events)Click to expand
  1. 2025-09-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-06-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-04-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2024-04-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2024-04-11
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  6. 2024-04-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2024-04-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2024-04-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2024-04-02
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2024-03-07
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  11. 2023-05-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2022-06-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2021-09-10
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2021-08-13
    ➖
    KELLY, Declan resigned
    director
  15. 2021-05-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2020-12-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2019-06-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2019-03-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  19. 2019-03-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  20. 2017-08-10
    🔓
    Charge satisfied #2
  21. 2017-08-10
    🔓
    Charge satisfied #1
  22. 2014-06-30
    ➕
    BROOME, David appointed
    secretary
  23. 2014-06-30
    ➖
    HODGES, Michael resigned
    secretary
  24. 2014-06-30
    ➖
    BUCKLAND, Kevin resigned
    director
  25. 2014-06-30
    ➖
    HODGES, Mike resigned
    director
  26. 2010-04-01
    ➕
    KELLY, Declan appointed
    director
  27. 2008-12-16
    ➖
    POWER, Alfred Daniel resigned
    director
  28. 2008-02-29
    ➖
    BUCKLAND, Kevin resigned
    secretary
  29. 2008-02-29
    ➕
    HODGES, Michael appointed
    secretary
  30. 2008-02-19
    ➕
    POWER, Alfred Daniel appointed
    director
  31. 2007-08-15
    🔒
    Charge registered #2
    Lender: Norwich and Peterborough Building Society
  32. 2007-08-15
    🔒
    Charge registered #1
    Lender: Norwich and Peterborough Building Society
  33. 2005-08-31
    ➖
    THOMPSON, Simon resigned
    director
  34. 2005-07-19
    ➕
    BUCKLAND, Kevin appointed
    secretary
  35. 2005-07-19
    ➖
    THOMPSON, Simon resigned
    secretary
  36. 2003-03-20
    ➕
    BROOME, David appointed
    director
  37. 2003-03-20
    ➕
    SMITH, Ian Stephen Fleetwood appointed
    director
  38. 2003-03-20
    ➕
    BUCKLAND, Kevin appointed
    director
  39. 2003-03-20
    ➕
    THOMPSON, Simon appointed
    director
  40. 2003-02-19
    ➕
    THOMPSON, Simon appointed
    secretary
  41. 2003-02-19
    ➖
    STARTCO LIMITED resigned
    corporate-secretary
  42. 2003-02-19
    ➕
    HODGES, Mike appointed
    director
  43. 2003-02-19
    ➖
    NEWCO LIMITED resigned
    corporate-director
  44. 2003-02-17
    🏢
    Company incorporated
    As 4WEALTH LIMITED
  45. 2003-02-17
    ➕
    STARTCO LIMITED appointed
    corporate-secretary
  46. 2003-02-17
    ➕
    NEWCO 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 23 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — 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 59. Early succession window.
  • 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
NameSharesVoting rightsNature of controlNotified
Mr David Broome
Individual · British · DOB 02/1970 · age 56
——sig. influencesignificant influence06/04/2016
Mr Ian Stephen Fleetwood Smith
Individual · British · DOB 06/1967 · age 59
——sig. influencesignificant influence06/04/2016
1 historic (ceased) PSC
  • Mr Declan Kellyceased 12/02/2024· significant influence

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

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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
Incorporated2003-02-17
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

361 Rayleigh Road
Leigh-On-Sea
Essex
SS9 5PS
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-03
Last: 2026-02-17

Officers (3 active · 10 resigned)

BROOME, David→
secretary · appointed 2014-06-30
View their other companies + combined net worth →
Active
BROOME, David→
director · ~56y · appointed 2003-03-20
View their other companies + combined net worth →
Active
SMITH, Ian Stephen Fleetwood→
director · ~59y · appointed 2003-03-20
View their other companies + combined net worth →
Active
BUCKLAND, Kevin→
secretary · appointed 2005-07-19 · resigned 2008-02-29
Resigned
HODGES, Michael→
secretary · appointed 2008-02-29 · resigned 2014-06-30
Resigned
THOMPSON, Simon→
secretary · appointed 2003-02-19 · resigned 2005-07-19
Resigned
STARTCO LIMITED→
corporate-secretary · appointed 2003-02-17 · resigned 2003-02-19
Resigned
BUCKLAND, Kevin→
director · ~73y · appointed 2003-03-20 · resigned 2014-06-30
Resigned
HODGES, Mike→
director · ~68y · appointed 2003-02-19 · resigned 2014-06-30
Resigned
KELLY, Declan→
director · ~62y · appointed 2010-04-01 · resigned 2021-08-13
Resigned
POWER, Alfred Daniel→
director · ~65y · appointed 2008-02-19 · resigned 2008-12-16
Resigned
THOMPSON, Simon→
director · ~64y · appointed 2003-03-20 · resigned 2005-08-31
Resigned
NEWCO LIMITED→
corporate-director · appointed 2003-02-17 · resigned 2003-02-19
Resigned

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

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Norwich and Peterborough Building Society
Deed of assignment of rental income1 property15/08/200710/08/2017
satisfied
Norwich and Peterborough Building Society
Mortgage1 property15/08/200710/08/2017

Recent filings (119 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-17
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-04
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-04-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-04-11
change-person-secretary-company-with-change-date
officers · CH03
2024-04-11
change-person-director-company-with-change-date
officers · CH01
2024-04-10
change-person-director-company-with-change-date
officers · CH01
2024-04-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-04-02
change-person-director-company-with-change-date
officers · CH01
2024-04-02
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-09