DEFINITIVE FINANCIAL SERVICES LIMITED

🌳Matureactive
06045655 · ltd · incorporated 2007-01-09
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2026
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 60-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 60). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
3 years of iXBRL accounts extracted + narrative notes parsed
95
Lenders & charges
Confirmed no charges registered
85
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
Network not yet resolved
30
Filing history
65 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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

3 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jan 2024Jan 2025Jan 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-01-312025-01-312024-01-31
Average employees200200-200

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
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2026-07-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-10-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-06-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-10-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-10-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2022-10-18
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  7. 2022-10-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2022-10-18
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2022-10-18
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2021-11-15
    📄
    accounts-amended-with-made-up-date
    accounts · AAMD
  11. 2021-10-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2020-11-05
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  13. 2019-10-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-06-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2018-06-07
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  17. 2018-06-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  18. 2008-01-01
    ➕
    BARNES, Tina Suzette appointed
    director
  19. 2007-01-09
    🏢
    Company incorporated
    As DEFINITIVE FINANCIAL SERVICES LIMITED
  20. 2007-01-09
    ➕
    BARNES, Tina Suzette appointed
    secretary
  21. 2007-01-09
    ➕
    BARNES, Russell Terry appointed
    director
  22. 2007-01-09
    ➕
    ARGUS NOMINEE SECRETARIES LIMITED appointed
    corporate-secretary
  23. 2007-01-09
    ➖
    ARGUS NOMINEE SECRETARIES LIMITED resigned
    corporate-secretary
  24. 2007-01-09
    ➕
    ARGUS NOMINEE DIRECTORS LIMITED appointed
    corporate-director
  25. 2007-01-09
    ➖
    ARGUS NOMINEE DIRECTORS LIMITED resigned
    corporate-director

Owner dependency

84/100
Critical — business is the founder

The 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.
  • +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

69/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr Russell Terry Barnes
Individual · British · DOB 12/1966 · age 60
50–75%
50–75%50-75% shares · 50-75% voting06/04/2016
Mrs Tina Suzette Barnes
Individual · British · DOB 09/1970 · age 56
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated2007-01-09
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Durham House
38 Street Lane
Denby
Derbyshire
DE5 8NE
England

Filing status

Accounts
Next due: 2027-10-31
Last made up to: 2026-01-31
Confirmation statement
Next due: 2027-01-17
Last: 2026-01-03

Officers (3 active · 2 resigned)

BARNES, Tina Suzette→
secretary · appointed 2007-01-09
View their other companies + combined net worth →
Active
BARNES, Russell Terry→
director · ~60y · appointed 2007-01-09
View their other companies + combined net worth →
Active
BARNES, Tina Suzette→
director · ~56y · appointed 2008-01-01
View their other companies + combined net worth →
Active
ARGUS NOMINEE SECRETARIES LIMITED→
corporate-secretary · appointed 2007-01-09 · resigned 2007-01-09
Resigned
ARGUS NOMINEE DIRECTORS LIMITED→
corporate-director · appointed 2007-01-09 · resigned 2007-01-09
Resigned

Click a director name to see their full track record across all companies.

Recent filings (65 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-07-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-16
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-10-26
change-person-secretary-company-with-change-date
officers · CH03
2022-10-18
change-person-director-company-with-change-date
officers · CH01
2022-10-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-18
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-17
accounts-amended-with-made-up-date
accounts · AAMD
2021-11-15