ALL COUNTIES FINANCIAL LIMITED

🌳Matureactive
05382289 · ltd · incorporated 2005-03-03
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
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Turnover
—
year to Mar 2025
Net worth
£38.0k
book net assets
Opportunity
72/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Special-situation opportunity
Distressed financial-services with salvageable qualities — special-situations priority.

Opportunity 72/100 (strong), bankability 65/100. Strong seller-intent signal (65/100, director aged 58). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (79/100)

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
Confirmed no charges registered
85
Directors & officers
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
51 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £37,997
Net assets shrinking
Down £13,805 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£38k
↓ 27% YoY
Current Assets
£41k
↓ 9.6% YoY
Current Liabilities
—
£0£10k£21k£31k£41k£52kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£38.0k£51.8k
Current assets£41.3k£45.7k
Net assets£38.0k£51.8k

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 (22 events)Click to expand
  1. 2025-11-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-12-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-12-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-12-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2020-12-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2019-12-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2018-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2017-12-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2016-12-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2016-03-20
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  12. 2015-12-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2015-03-26
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2014-07-07
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2014-03-22
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2013-12-31
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2013-04-06
    ➕
    GWINNELL, Sara Joanne appointed
    director
  18. 2012-03-09
    ➖
    GWINNELL, Anthony Roger resigned
    director
  19. 2005-03-03
    🏢
    Company incorporated
    As ALL COUNTIES FINANCIAL LIMITED
  20. 2005-03-03
    ➕
    GWINNELL, Sara Joanne appointed
    secretary
  21. 2005-03-03
    ➕
    GWINNELL, Ian Anthony appointed
    director
  22. 2005-03-03
    ➕
    GWINNELL, Anthony Roger appointed
    director

Owner dependency

84/100
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 21 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

71/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. 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 21 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

1 high ·
Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-03-17

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Ian Anthony Gwinnell
Individual · British · DOB 03/1970 · age 56
25–50%
—25-50% shares06/04/2016
Mrs Sara Joanne Gwinnell
Individual · British · DOB 06/1968 · age 58
25–50%
—25-50% shares06/04/2016

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 →

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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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2005-03-03
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

12 Wootton Drive
Creswell Manor Farm
Stafford
Staffordshire
ST16 1PU

Filing status

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

Officers (3 active · 1 resigned)

GWINNELL, Sara Joanne→
secretary · appointed 2005-03-03
View their other companies + combined net worth →
Active
GWINNELL, Ian Anthony→
director · ~54y · appointed 2005-03-03
View their other companies + combined net worth →
Active
GWINNELL, Sara Joanne→
director · ~58y · appointed 2013-04-06
View their other companies + combined net worth →
Active
GWINNELL, Anthony Roger→
director · ~83y · appointed 2005-03-03 · resigned 2012-03-09
Resigned

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

Recent filings (51 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-09
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-01
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-11
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-29
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-04
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-04-13
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-04-14
accounts-with-accounts-type-micro-entity
accounts · AA
2018-12-31