APH FINANCIAL MANAGEMENT SERVICES LIMITED

💤Zombieactive

05412013 · ltd · incorporated 2005-04-04

Investment thesis

Zombie company — trading but stalled; unlikely mover.

Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.

Why risky: No growth signal; thin margin for error on price.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Apr 2025

Net worth

£43.4k

book net assets

Opportunity

75/100

Strong

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What this business does

Primary activity: Activities of insurance agents and brokers

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).

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

Lenders & charges

Confirmed no charges registered

Directors & officers

4 officers (2 active, 4 linked, 1 with DOB)

Ownership & PSC

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

Director network

2 connected companies via shared directors

Filing history

52 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

75/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £43,387

Cash YoY

+240%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£22k

↑ 240% YoY

Net Worth

£43k

↑ 23% YoY

Current Assets

£81k

↑ 29% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-04-30	2024-04-30
Total assets	£44.1k	£46.1k
Current assets	£81.2k	£62.8k
Cash	£22.3k	£6.6k
Debtors	£58.8k	£56.3k
Net assets	£43.4k	£35.3k

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

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (21 events)Click to expand

2026-01-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-01-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-06-11
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2017-09-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-12-30
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-04-08
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2016-01-18
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-04-15
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2005-04-04
🏢
Company incorporated
As APH FINANCIAL MANAGEMENT SERVICES LIMITED
2005-04-04
➕
BIGGS, Katie Elizabeth appointed
secretary
2005-04-04
➕
BIGGS, Stephen James appointed
director
2005-04-04
➕
TEMPLE SECRETARIES LIMITED appointed
corporate-nominee-secretary
2005-04-04
➖
TEMPLE SECRETARIES LIMITED resigned
corporate-nominee-secretary
2005-04-04
➕
COMPANY DIRECTORS LIMITED appointed
corporate-nominee-director
2005-04-04
➖
COMPANY DIRECTORS LIMITED resigned
corporate-nominee-director

Owner dependency

85/100

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

+Sole director: Only one active director — all governance concentrated on one person.
+Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

75/100

Likely off-market candidate

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

SIGNALS

primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
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.
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

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr Stephen James Biggs Individual · British · DOB 04/1969 · age 57	25–50%	—	25-50% shares	01/03/2017

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 · Financial services · MK postcode area

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A WARMAN LIMITED→ 12010933 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
ACCESSIBLE INSURANCE SERVICES LTD→ 13415923 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
AMLION RISK SOLUTIONS LIMITED→ 07578665 · est 2011 · no financials extracted	—	—	—	—	15y	—	—
ANDREW REYNOLDS MORTGAGES LTD→ 11703908 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
ANDREWS SECURITY SYSTEMS LTD→ 10613885 · est 2017 · no financials extracted	—	—	—	—	9y	—	—
ANGMAC LTD→ 05335548 · est 2005 · no financials extracted	—	—	—	—	21y	—	—
ANTHONY & CO ASSET MANAGEMENT LTD→ 09954526 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
APA ADMIN LTD→ 11931581 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
ARCANE INVESTMENTS LIMITED→ 11099391 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
ARCEIO LIMITED→ 15813190 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ARCHIE.PI LTD→ 14576753 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
ARTAK CONSULTANCY LTD→ 16682547 · est 2025 · no financials extracted	—	—	—	—	—	—	—

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

Incorporated2005-04-04

Jurisdictionengland-wales

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

59a Day's Lane

Biddenham

Bedford

MK40 4AE

England

Filing status

Accounts

Next due: 2027-01-31

Last made up to: 2025-04-30

Confirmation statement

Next due: 2027-05-09

Last: 2026-04-25

Officers (2 active · 2 resigned)

BIGGS, Katie Elizabeth→

secretary · appointed 2005-04-04

View their other companies + combined net worth →

Active

BIGGS, Stephen James→

director · ~57y · appointed 2005-04-04

View their other companies + combined net worth →

Active

TEMPLE SECRETARIES LIMITED→

corporate-nominee-secretary · appointed 2005-04-04 · resigned 2005-04-04

Resigned

COMPANY DIRECTORS LIMITED→

corporate-nominee-director · appointed 2005-04-04 · resigned 2005-04-04

Resigned

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