ANGLO-CELTIC FINANCIAL CONSULTANTS LTD
💤Zombieactive
05839113 · ltd · incorporated 2006-06-06
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 Jun 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 62-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 62). 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).
🏦
Refinance opportunity
1 live charge · oldest 10.9y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 10.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (2 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
63 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 | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Average employees | 700 | 700 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2026-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-08-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-06-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-02🔓Charge satisfied #1
- 2025-03-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-06-06📄change-person-director-company-with-change-dateofficers · CH01
- 2018-06-06📄change-person-director-company-with-change-dateofficers · CH01
- 2018-06-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-06-06📄change-person-director-company-with-change-dateofficers · CH01
- 2018-06-06📄change-person-secretary-company-with-change-dateofficers · CH03
- 2016-04-01➕CUNNELL, Lisa Joanne appointeddirector
- 2016-04-01➖CUNNELL, Lisa Joanne resigneddirector
- 2015-06-17🔒Charge registered #1Lender: Santander UK PLC
- 2006-06-15➕CUNNELL, Lisa Joanne appointedsecretary
- 2006-06-15➕CUNNELL, Matthew James appointeddirector
- 2006-06-07➖FORM 10 SECRETARIES FD LTD resignedcorporate-nominee-secretary
- 2006-06-07➖FORM 10 DIRECTORS FD LTD resignedcorporate-nominee-director
- 2006-06-06🏢Company incorporatedAs ANGLO-CELTIC FINANCIAL CONSULTANTS LTD
- 2006-06-06➕FORM 10 SECRETARIES FD LTD appointedcorporate-nominee-secretary
- 2006-06-06➕FORM 10 DIRECTORS FD LTD appointedcorporate-nominee-director
Owner dependency
93/100
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
- +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.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
78/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 20 years.
- 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
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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Matthew James Cunnell Individual · British · DOB 09/1964 · age 62 | 50–75% | 75–100% | board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · firm interest | 06/04/2016 |
Mrs Lisa Joanne Cunnell Individual · British · DOB 05/1964 · age 62 | 25–50% | — | 25-50% shares | 06/06/2019 |
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 · NP postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ABACUS ASSURANCE FINANCIAL SERVICES LIMITED→ 05719712 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| ACQUIS INSURANCE MANAGEMENT LIMITED→ 07058678 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| ACTIVE FINANCIAL ADVISERS LTD→ 12307130 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ACUMEN ASSOCIATE FINANCIAL SERVICES LTD→ 05009614 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| ADAM LEWIS FIRST IN MORTGAGES LTD→ 16301001 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AJ O'NEILL WEALTH CONSULTANCY LTD→ 17111010 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ALRO HOMES LTD→ 13524234 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AMBER SHIELD FINANCE LTD→ 15512614 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AMPLE FINANCE LIMITED→ 11310599 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AMPLE MORTGAGES LIMITED→ 12528571 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ANTARES CAPITAL INVESTMENTS LTD→ 13125066 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ANTHONY GIBBONS INVESTMENTS LTD→ 13579836 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2006-06-06
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Unit 11 Waterside Court
Albany Street
Newport
NP20 5NT
United Kingdom
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-06-20
Last: 2025-06-06
Officers (2 active · 3 resigned)
CUNNELL, Lisa Joanne→
Activesecretary · appointed 2006-06-15
View their other companies + combined net worth →
CUNNELL, Matthew James→
Activedirector · ~62y · appointed 2006-06-15
View their other companies + combined net worth →
FORM 10 SECRETARIES FD LTD→
Resignedcorporate-nominee-secretary · appointed 2006-06-06 · resigned 2006-06-07
CUNNELL, Lisa Joanne→
Resigneddirector · ~62y · appointed 2016-04-01 · resigned 2016-04-01
FORM 10 DIRECTORS FD LTD→
Resignedcorporate-nominee-director · appointed 2006-06-06 · resigned 2006-06-07
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Santander Santander UK PLC | A registered charge | — | 17/06/2015 | 02/06/2025 |
Recent filings (63 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-20
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-08-18
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-18
mortgage-satisfy-charge-full
mortgage · MR04
2025-06-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-24
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-26
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-24
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-06-10