PM INDEPENDENT FINANCIAL SERVICES LTD
Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (83/100, director aged 65). 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: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £18.9k | £19.5k |
| Current assets | £24.8k | £24.5k |
| Cash | £20.0k | £19.7k |
| Debtors | £4.8k | £4.8k |
| Net assets | £18.9k | £19.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
Corporate timeline (19 events)Click to expand
- 2025-12-04✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2025-09-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-10-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-01-19📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2018-01-17➖STEPHENSON, Alan Geoffrey resignedsecretary
- 2017-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-10-27📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-02-29📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-10-13📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-02-19📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2006-01-17🏢Company incorporatedAs PM INDEPENDENT FINANCIAL SERVICES LTD
- 2006-01-17➕MEADWAY, Peter appointeddirector
- 2006-01-17➕STEPHENSON, Alan Geoffrey appointedsecretary
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 20 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
1 med ·Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-12-04: certificate-change-of-name-company
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Peter Meadway Individual · British · DOB 06/1961 · age 65 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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8 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 →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
Registered office
Filing status
Officers (1 active · 1 resigned)
Click a director name to see their full track record across all companies.