AFS ADVOCATE FINANCIAL SERVICES LIMITED
🌳Matureactive
05474002 · ltd · incorporated 2005-06-07
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
—
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Turnover
—
year to Jun 2025
Net worth
£130.8k
book net assets
Opportunity
81/100
Exceptional
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with exceptional profile and bankable structure.
Opportunity 81/100 (exceptional), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (4 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £130,770
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£131k
↑ 10% YoY
Current Assets
£135k
↑ 16% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £132.3k | £120.0k |
| Current assets | £134.9k | £116.3k |
| Net assets | £130.8k | £118.7k |
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 (21 events)Click to expand
- 2025-07-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-02➕BEETHAM, Louise appointeddirector
- 2024-10-02➕HARKER, Clare appointeddirector
- 2024-10-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-10-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-10-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-08-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-08-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-07-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-08-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-08-10📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-06-14📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-05-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2016-05-09📄change-person-director-company-with-change-dateofficers · CH01
- 2005-06-07🏢Company incorporatedAs AFS ADVOCATE FINANCIAL SERVICES LIMITED
- 2005-06-07➕HARKER, Clare appointedsecretary
- 2005-06-07➕WALLACE, Andrew Sinclair appointeddirector
Owner dependency
68/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
- 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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Sinclair Wallace Individual · British · DOB 08/1965 · age 61 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| 21ST CENTURY MORTGAGE FINANCE LIMITED→ 08848090 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| 360 VEHICLE MANAGEMENT LIMITED→ 09533717 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| 4 SUPERNOVAS LTD→ 14448611 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 92834623434 LIMITED→ 16991800 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| A & N FINANCIAL MANAGEMENT LIMITED→ 10849117 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| A NIGAM HOLDINGS LTD→ 13156753 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ACHIEVE PENSION CONSULTING LTD→ 11523565 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACTUARIAL COLLABORATIVE SOLUTIONS LTD→ 15929982 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADCAS FINANCIAL MANAGEMENT LIMITED→ 04609344 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ALFA INVESTIMENTOS LTD→ 17128485 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ALLIUM MONEY LIMITED→ 10977963 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| AMY WAELAND MORTGAGE SERVICES LIMITED→ 08939999 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
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
Incorporated2005-06-07
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
9 Chiswick Court Business Park
Chiswick Grove
Blackpool
Lancashire
FY3 9TW
England
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-06-21
Last: 2025-06-07
Officers (4 active · 0 resigned)
Active
BEETHAM, Louise→
Activedirector · ~50y · appointed 2024-10-02
View their other companies + combined net worth →
HARKER, Clare→
Activedirector · ~52y · appointed 2024-10-02
View their other companies + combined net worth →
WALLACE, Andrew Sinclair→
Activedirector · ~61y · appointed 2005-06-07
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (49 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-06
appoint-person-director-company-with-name-date
officers · AP01
2024-10-02
appoint-person-director-company-with-name-date
officers · AP01
2024-10-02
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-10
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-12
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-07
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-03-30
accounts-with-accounts-type-micro-entity
accounts · AA
2020-08-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-06-16