ARDENT IFA LIMITED
🌳Matureactive
06014584 · ltd · incorporated 2006-11-30
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£612.4k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with exceptional profile and acceptable with review structure.
Opportunity 80/100 (exceptional), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
5 live charges · 4 lenders · oldest 13.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 13.9 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 7 with DOB)
88
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
83 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £612,419
Cash YoY
+43%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£626k
↑ 43% YoY
Net Worth
£612k
↑ 33% YoY
Current Assets
£783k
↑ 33% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £618.5k | £466.5k |
| Current assets | £782.8k | £588.6k |
| Cash | £626.2k | £437.6k |
| Debtors | £156.6k | £151.0k |
| Net assets | £612.4k | £460.3k |
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
4
filings
- • 4 persons-with-significant-control
Last 180 days
6
filings
- • 4 persons-with-significant-control
- • 1 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (41 events)Click to expand
- 2026-04-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-04-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-04-10📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2026-04-10📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2026-04-01➖O'BRIEN, Gary resigneddirector
- 2026-04-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-11-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-10-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-30🔒Charge registered #5Lender: Gary O'brien
- 2025-07-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-03🔒Charge registered #4Lender: Mark Anthony Fisher
- 2024-08-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-06-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-06-03🔓Charge satisfied #3
- 2023-07-25📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-10-25📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-04-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-04-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-04-01➕HUGHES, Elain appointeddirector
- 2022-04-01➕TORDOFF, Christopher John appointeddirector
- 2022-02-02📄change-person-director-company-with-change-dateofficers · CH01
- 2022-02-02📄change-person-director-company-with-change-dateofficers · CH01
- 2021-11-03📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-05-22📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-03-24📄change-person-director-company-with-change-dateofficers · CH01
- 2019-12-19➖OGLESBY, Michael Carlton resigneddirector
- 2017-08-08➖KEITH, Stuart resigneddirector
- 2016-06-02🔓Charge satisfied #2
- 2016-06-02🔓Charge satisfied #1
- 2016-05-31🔒Charge registered #3Lender: National Westminster Bank PLC
- 2012-12-11🔒Charge registered #2Lender: Svenska Handelsbanken Ab (Publ)
- 2012-08-06🔒Charge registered #1Lender: Svenska Handelsbanken Ab (Publ)
- 2010-11-01➕KEITH, Stuart appointeddirector
- 2008-10-09➖KEITH, Stuart resignedsecretary
- 2008-10-09➖KEITH, Stuart resigneddirector
- 2006-11-30🏢Company incorporatedAs ARDENT IFA LIMITED
- 2006-11-30➕FISHER, Mark Anthony appointeddirector
- 2006-11-30➕KEITH, Stuart appointedsecretary
- 2006-11-30➕KEITH, Stuart appointeddirector
- 2006-11-30➕O'BRIEN, Gary appointeddirector
- 2006-11-30➕OGLESBY, Michael Carlton 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 20 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
63/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- 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
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Ardent Ifa Holding Company Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Ardent Ifa Holding Company Ltd
Corporate parent · holds 75-100% shares · board control
⬇
ARDENT IFA LIMITED
This company · 06014584
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ardent Ifa Holding Company Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/09/2025 |
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 · YO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CAPICUS LIMITED→ 09882332 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CAPITAL CREDIT (LEEDS) LIMITED→ 06849095 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| COUNTRYHEART INVESTMENTS LIMITED→ 11619849 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CRYPTO FLOW LIMITED→ 10808935 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| DBAZ TRADING LTD→ 16337161 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| DVAM LTD→ 15951379 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| EBOR MORTGAGES LIMITED→ 12741297 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| EDIT FINANCE LTD→ 13345395 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ELMGROVE FINANCIAL SERVICES LIMITED→ 15126826 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| EMBARK FINANCE LIMITED→ 06462139 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| ENTERTAINMENT AND LEISURE INSURANCE SERVICES LIMITED→ 01986896 · est 1986 · no financials extracted | — | — | — | — | 40y | — | — |
| EQUINE AND LIVESTOCK INSURANCE COMPANY LIMITED (THE)→ 00294940 · est 1934 · no financials extracted | — | — | — | — | 91y | — | — |
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
Incorporated2006-11-30
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Heritage House Murton Way
Osbaldwick
York
North Yorkshire
YO19 5UW
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-02
Last: 2026-01-19
Officers (3 active · 5 resigned)
FISHER, Mark Anthony→
Activedirector · ~54y · appointed 2006-11-30
View their other companies + combined net worth →
HUGHES, Elain→
Activedirector · ~59y · appointed 2022-04-01
View their other companies + combined net worth →
TORDOFF, Christopher John→
Activedirector · ~51y · appointed 2022-04-01
View their other companies + combined net worth →
KEITH, Stuart→
Resignedsecretary · appointed 2006-11-30 · resigned 2008-10-09
KEITH, Stuart→
Resigneddirector · ~64y · appointed 2010-11-01 · resigned 2017-08-08
KEITH, Stuart→
Resigneddirector · ~64y · appointed 2006-11-30 · resigned 2008-10-09
O'BRIEN, Gary→
Resigneddirector · ~60y · appointed 2006-11-30 · resigned 2026-04-01
OGLESBY, Michael Carlton→
Resigneddirector · ~61y · appointed 2006-11-30 · resigned 2019-12-19
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
2
Outstanding
2
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Gary O'brien | A registered charge | 2 properties | 30/09/2025 | — | |
| outstanding | Mark Anthony Fisher / Dcd Trustees / As Trustees of the Ardent Ifa Pension Scheme Mark Anthony Fisher / Dcd Trustees Limited / As Trustees of the Ardent Ifa Pension Scheme | A registered charge | — | 03/07/2025 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 31/05/2016 | 03/06/2024 | |
| satisfied | Svenska Handelsbanken Ab (Publ) | Debenture | 1 property | 11/12/2012 | 02/06/2016 | |
| satisfied | Svenska Handelsbanken Ab (Publ) | Deed of legal mortgage | 1 property | 06/08/2012 | 02/06/2016 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (83 total)
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-04-12
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-04-12
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-04-10
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2026-04-10
termination-director-company-with-name-termination-date
officers · TM01
2026-04-01
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-11-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-11
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-08-30
mortgage-satisfy-charge-full
mortgage · MR04
2024-06-03
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-07-25
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-23