80:20 FINANCIAL MANAGEMENT LIMITED
🌳Matureactive
05131960 · ltd · incorporated 2004-05-19
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 Oct 2024
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Financial management
Sector: Professional, scientific & technical
ALSO REGISTERED FOR
- 77110Renting and leasing of cars and light motor vehicles
Investor take
PursueActive trading company with a 63-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 67/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
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Refinance opportunity
3 live charges · 3 lenders · oldest 21.3y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 21.3 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (72/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 3 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
81 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-10-31 |
|---|---|
| Average employees | 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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
- 2025-11-03📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-02📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-02📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-11-01📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2025-07-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-05-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-04-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-04-14📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2022-03-27📄change-person-secretary-company-with-change-dateofficers · CH03
- 2022-03-27📄change-person-director-company-with-change-dateofficers · CH01
- 2022-03-27📄change-person-director-company-with-change-dateofficers · CH01
- 2022-02-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-02-08🔒Charge registered #3Lender: Aldermore Bank PLC
- 2021-11-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-11-11📄change-person-director-company-with-change-dateofficers · CH01
- 2021-11-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-11-11📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-07-27📄change-person-director-company-with-change-dateofficers · CH01
- 2013-05-01➕LAWRENCE, Fay Nicola appointeddirector
- 2006-12-21🔓Charge satisfied #1
- 2006-09-04➕LAWRENCE, Fay Nicola appointedsecretary
- 2006-09-04➖AUCKLAND, Justin Richard resignedsecretary
- 2006-09-04➖AUCKLAND, Justin Richard resigneddirector
- 2006-05-27🔒Charge registered #2Lender: National Westminster Bank PLC
- 2005-02-09🔒Charge registered #1Lender: Hsbc Bank PLC
- 2004-06-21➕LAWRENCE, Glenn Lewis appointeddirector
- 2004-06-21➕AUCKLAND, Justin Richard appointedsecretary
- 2004-06-21➖PEMEX SERVICES LIMITED resignedcorporate-nominee-secretary
- 2004-06-21➕AUCKLAND, Justin Richard appointeddirector
- 2004-06-21➖AMERSHAM SERVICES LIMITED resignedcorporate-nominee-director
- 2004-06-21➖PEMEX SERVICES LIMITED resignedcorporate-nominee-director
- 2004-05-19🏢Company incorporatedAs 80:20 FINANCIAL MANAGEMENT LIMITED
- 2004-05-19➕PEMEX SERVICES LIMITED appointedcorporate-nominee-secretary
- 2004-05-19➕AMERSHAM SERVICES LIMITED appointedcorporate-nominee-director
- 2004-05-19➕PEMEX SERVICES LIMITED appointedcorporate-nominee-director
Owner dependency
84/100
Critical — business is the founderThe 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 22 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
86/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. 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 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 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
cleanNo 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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Fay Nicola Lawrence Individual · British · DOB 01/1966 · age 60 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/11/2020 |
Mr Glenn Lewis Lawrence Individual · British · DOB 08/1963 · age 63 | — | — | sig. influencesignificant influence | 06/04/2016 |
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 →Similar companies
Active · Professional services · NG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1ST CHOICE CARD PAYMENTS LTD→ 14031502 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 24/THREE CONSULTANTS LTD→ 13182179 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 24TWELVE LIMITED→ 12260511 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 2PLUS2 ACCOUNTANCY LIMITED→ 06721584 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| 332 TRADING LIMITED→ 10746110 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| 360 RECRUITMENT (CONSTRUCTION) LIMITED→ 10669301 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| 3W GROWTH LIMITED→ 10203850 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| 445 TECHNOLOGY LTD→ 11388325 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 4JS HOLDING LIMITED→ 12789981 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 4U CONSULTANCY GROUP LTD→ 16039545 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 776 GYMNASTICS ACADEMY LIMITED→ 12851993 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 8020 BUSINESS SERVICES LIMITED→ 16560221 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2004-05-19
Jurisdictionengland-wales
Primary SIC70221 — Financial management
Registered office
18 Woolsthorpe Lane
Muston
Nottingham
Leicestershire
NG13 0FE
England
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-11-25
Last: 2025-11-11
Officers (3 active · 5 resigned)
LAWRENCE, Fay Nicola→
Activesecretary · appointed 2006-09-04
View their other companies + combined net worth →
LAWRENCE, Fay Nicola→
Activedirector · ~60y · appointed 2013-05-01
View their other companies + combined net worth →
LAWRENCE, Glenn Lewis→
Activedirector · ~63y · appointed 2004-06-21
View their other companies + combined net worth →
AUCKLAND, Justin Richard→
Resignedsecretary · appointed 2004-06-21 · resigned 2006-09-04
PEMEX SERVICES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2004-05-19 · resigned 2004-06-21
AUCKLAND, Justin Richard→
Resigneddirector · ~56y · appointed 2004-06-21 · resigned 2006-09-04
AMERSHAM SERVICES LIMITED→
Resignedcorporate-nominee-director · appointed 2004-05-19 · resigned 2004-06-21
PEMEX SERVICES LIMITED→
Resignedcorporate-nominee-director · appointed 2004-05-19 · resigned 2004-06-21
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
2
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | — | 08/02/2022 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 27/05/2006 | — | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 09/02/2005 | 21/12/2006 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (81 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-15
change-person-director-company-with-change-date
officers · CH01
2025-11-03
change-person-director-company-with-change-date
officers · CH01
2025-11-02
change-person-secretary-company-with-change-date
officers · CH03
2025-11-02
change-account-reference-date-company-current-extended
accounts · AA01
2025-11-01
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-29
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-26
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-30
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-21
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-14
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-03-24
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-15
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-04
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-04-14
mortgage-charge-whole-release-with-charge-number
mortgage · MR05
2022-04-14