SMAILES GOLDIE FINANCIAL MANAGEMENT LIMITED

🌳Matureactive

04926777 · ltd · incorporated 2003-10-09

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

—

year to Mar 2025

Net worth

£747.1k

book net assets

Opportunity

76/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Special-situation opportunity

Distressed financial-services with salvageable qualities — special-situations priority.

Opportunity 76/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -33% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (82/100)

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

Company profile

address, 1 SIC codes, incorporation date

100

Financials

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

Lenders & charges

Confirmed no charges registered

Directors & officers

16 officers (5 active, 16 linked, 11 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

14 connected companies via shared directors

Filing history

117 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

76/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Some moderate concerns — review flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £747,079

Cash YoY

-33%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£148k

↓ 33% YoY

Net Worth

£747k

↑ 13% YoY

Current Assets

£295k

↓ 16% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Total assets	£747.1k	£658.5k
Current assets	£294.7k	£350.6k
Cash	£148.0k	£219.8k
Debtors	£146.6k	£130.8k
Net assets	£747.1k	£658.5k

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

filings

• 2 capital

Last 90 days

filings

• 3 capital
• 2 officers
• 1 confirmation-statement

Last 180 days

filings

• 3 capital
• 2 officers
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (48 events)Click to expand

2026-05-26
📄
capital-return-purchase-own-shares
capital · SH03
2026-05-26
📄
capital-return-purchase-own-shares
capital · SH03
2026-04-24
📄
capital-cancellation-shares
capital · SH06
2026-03-28
📄
change-person-director-company-with-change-date
officers · CH01
2026-03-26
📄
change-person-director-company-with-change-date
officers · CH01
2025-12-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-26
📄
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2024-04-16
📄
legacy
capital · SH20
2024-04-16
⚠️
legacy
insolvency · CAP-SS
2024-04-16
📄
resolution
resolution · RESOLUTIONS
2024-03-20
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-12-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-12-23
➕
DEARING, Peter Alan appointed
director
2022-12-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-29
📄
capital-cancellation-shares
capital · SH06
2022-03-28
📄
capital-return-purchase-own-shares
capital · SH03
2022-03-21
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-03-21
📄
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2022-02-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-01-21
➖
SHARPLEY, James Mark resigned
director
2021-09-09
➖
BRAMALL, Stephen Thomas resigned
director
2021-09-09
➖
SHIPLEY, Nicola resigned
director
2020-03-10
➖
ALLISON, Jeremy Neil resigned
director
2019-08-29
➕
DEARING, Peter Alan appointed
secretary
2019-08-29
➖
DUFFIELD, Peter David resigned
secretary
2019-08-29
➖
DUFFIELD, Peter David resigned
director
2014-12-01
➕
BRAMALL, Stephen Thomas appointed
director
2014-12-01
➕
SHIPLEY, Nicola appointed
director
2011-07-12
➖
WILKINSON, John Charles resigned
director
2010-02-09
➕
DUFFIELD, Peter David appointed
secretary
2010-02-09
➖
PULLAN, Mark Jonathan resigned
secretary
2010-02-09
➖
PULLAN, Mark Jonathan resigned
director
2003-10-10
➕
LAMB, Ian Robert appointed
director
2003-10-09
🏢
Company incorporated
As SMAILES GOLDIE FINANCIAL MANAGEMENT LIMITED
2003-10-09
➕
GRANTHAM, Jeffrey appointed
director
2003-10-09
➕
OVERFIELD, Martin appointed
director
2003-10-09
➕
PULLAN, Mark Jonathan appointed
secretary
2003-10-09
➕
TEMPLE SECRETARIES LIMITED appointed
corporate-nominee-secretary
2003-10-09
➖
TEMPLE SECRETARIES LIMITED resigned
corporate-nominee-secretary
2003-10-09
➕
ALLISON, Jeremy Neil appointed
director
2003-10-09
➕
DUFFIELD, Peter David appointed
director
2003-10-09
➕
PULLAN, Mark Jonathan appointed
director
2003-10-09
➕
SHARPLEY, James Mark appointed
director
2003-10-09
➕
WILKINSON, John Charles appointed
director
2003-10-09
➕
COMPANY DIRECTORS LIMITED appointed
corporate-nominee-director
2003-10-09
➖
COMPANY DIRECTORS LIMITED resigned
corporate-nominee-director

Owner dependency

65/100

High — earn-out structure required

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

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

80/100

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 68. Approaching typical UK retirement age — succession thinking likely.
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

1 high ·

1 insolvency-related filing on record

high

Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.

Evidence: 2024-04-16: legacy

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Jeffrey Grantham Individual · British · DOB 02/1963 · age 63	25–50%	25–50%	25-50% shares · 25-50% voting	04/03/2022

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

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Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
4A SECURITY LIMITED→ 16838793 · est 2025 · no financials extracted	—	—	—	—	—	—	—
A&L FINANCIAL SOLUTIONS LTD→ 09731522 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
ACCESS FINANCIAL CONSULTANCY LIMITED→ 11421636 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
ACTIVE INVESTMENT MANAGERS LIMITED→ 02140781 · est 1987 · no financials extracted	—	—	—	—	38y	—	—
AD INVESTMENTS INTERNATIONAL LTD→ 15269820 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ADIRA FINANCIAL SERVICES LTD→ 13837648 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
ADRIAN SMITH RATING LIMITED→ 07312116 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
ALDGATE WEALTH MANAGEMENT LIMITED→ 16689555 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ALDGATE WEALTH PLANNING LTD→ 14175832 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
AMHT FINANCIAL SOLUTIONS LIMITED→ 09682006 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
ANDREW PIPER FINANCIAL PLANNING LTD→ 06944469 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
ANTONY DICKSON LTD→ 07558942 · est 2011 · no financials extracted	—	—	—	—	15y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

8 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

Incorporated2003-10-09

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Regent's Court

Princess Street

Hull

East Yorkshire

HU2 8BA

United Kingdom

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-03-25

Last: 2026-03-11