DON WERNHAM FINANCIAL ADVISERS LIMITED
🌳Matureactive
05667898 · ltd · incorporated 2006-01-06
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 8.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
PursueActive trading company with a 65-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · oldest 8.8y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 8.8 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
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
70 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
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Average employees | 2 | 200 |
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
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2026-02-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-09📄change-person-secretary-company-with-change-dateofficers · CH03
- 2024-05-09📄change-person-director-company-with-change-dateofficers · CH01
- 2024-05-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-05-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-05-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-05-08📄change-person-secretary-company-with-change-dateofficers · CH03
- 2024-05-08📄change-person-director-company-with-change-dateofficers · CH01
- 2024-05-08📄change-person-director-company-with-change-dateofficers · CH01
- 2024-05-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-05-08📄change-person-director-company-with-change-dateofficers · CH01
- 2024-05-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-03-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-12-19🔒Charge registered #2Lender: National Westminster Bank PLC
- 2017-10-03🔒Charge registered #1Lender: National Westminster Bank PLC
- 2008-10-01➕WERNHAM, Tracy appointeddirector
- 2006-01-06🏢Company incorporatedAs DON WERNHAM FINANCIAL ADVISERS LIMITED
- 2006-01-06➕WERNHAM, Tracy appointedsecretary
- 2006-01-06➕WERNHAM, Richard Don appointeddirector
- 2006-01-06➕JPCORS LIMITED appointedcorporate-nominee-secretary
- 2006-01-06➖JPCORS LIMITED resignedcorporate-nominee-secretary
- 2006-01-06➕JPCORD LIMITED appointedcorporate-nominee-director
- 2006-01-06➖JPCORD LIMITED resignedcorporate-nominee-director
Owner dependency
100/100
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.
- +Founder name in company name: Company name contains director surname "WERNHAM" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 65 — succession pressure is live.
- +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 65. 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 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
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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Tracy Wernham Individual · British · DOB 09/1963 · age 63 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Richard Don Wernham Individual · British · DOB 03/1961 · age 65 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 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
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|---|---|---|---|---|---|---|---|
| CHESHIRE MORTGAGE CENTRE LIMITED→ 12848927 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| COTSWOLD MEADOWS MORTGAGE ADVICE LIMITED→ 14127011 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CPTCO LIMITED→ 09717621 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| DISSOLVE DEBT LIMITED→ 05278758 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| DJT MARKETING LTD→ 13153637 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| DO'C WEALTH MANAGEMENT LIMITED→ 10397330 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| DVT GLOBAL (UK) LTD→ 10654215 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| DWH FIC LIMITED→ 11770081 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| EARNEST ASSETS LTD→ 11173803 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| EDEN CAPITAL PARTNERS LIMITED→ 16463654 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| EFINITY FINANCE GROUP LTD→ 10450184 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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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
Incorporated2006-01-06
Jurisdictionengland-wales
Primary SIC65110 — Life insurance
Registered office
Comberton House Cann Lane North
Appleton
Warrington
WA4 5NF
England
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-01-20
Last: 2026-01-06
Officers (3 active · 2 resigned)
Active
WERNHAM, Richard Don→
Activedirector · ~65y · appointed 2006-01-06
View their other companies + combined net worth →
WERNHAM, Tracy→
Activedirector · ~63y · appointed 2008-10-01
View their other companies + combined net worth →
JPCORS LIMITED→
Resignedcorporate-nominee-secretary · appointed 2006-01-06 · resigned 2006-01-06
JPCORD LIMITED→
Resignedcorporate-nominee-director · appointed 2006-01-06 · resigned 2006-01-06
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 19/12/2017 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 03/10/2017 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (70 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-31
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-24
change-person-secretary-company-with-change-date
officers · CH03
2024-05-09
change-person-director-company-with-change-date
officers · CH01
2024-05-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-08
change-person-secretary-company-with-change-date
officers · CH03
2024-05-08
change-person-director-company-with-change-date
officers · CH01
2024-05-08
change-person-director-company-with-change-date
officers · CH01
2024-05-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-08
change-person-director-company-with-change-date
officers · CH01
2024-05-08