ADVOCO FINANCIAL LIMITED
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: share sale to pe / searcher (58/100).
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.
Key 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 | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | — | £100 |
| Current assets | — | £100 |
| Debtors | — | £100 |
| Net assets | — | £100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Corporate timeline (18 events)Click to expand
- 2025-08-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-11-21📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-21📄change-person-secretary-company-with-change-dateofficers · CH03
- 2024-11-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-01-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-02-10📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-08-18📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-07-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-08-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-09-02📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-11-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-08-16📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-09-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-08-16📄accounts-with-accounts-type-dormantaccounts · AA
- 2015-11-23📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2006-11-21🏢Company incorporatedAs ADVOCO FINANCIAL LIMITED
- 2006-11-21➕DIBB, Deborah appointedsecretary
- 2006-11-21➕DIBB, Robert Ernest appointeddirector
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.
- +No director turnover: Company is 20 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- 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
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Robert Ernest Dibb Individual · British · DOB 09/1981 · age 45 | 75–100% | — | 75-100% shares | 21/11/2016 |
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.
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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 →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 (2 active · 0 resigned)
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