AES FINANCIAL SERVICES LTD
🌳Matureactive
06063185 · ltd · incorporated 2007-01-23
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
—
not disclosed
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 75/100 (strong), 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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
4 live charges · 3 lenders · oldest 18.4y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 18.4 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (58/100)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
No iXBRL financials extracted
0
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
10 officers (4 active, 10 linked, 8 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
98 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
- 2026-04-22📄accounts-with-accounts-type-fullaccounts · AA
- 2025-04-15📄accounts-with-accounts-type-fullaccounts · AA
- 2024-05-04📄accounts-with-accounts-type-groupaccounts · AA
- 2023-07-04➖HAMMOND, Russell James resigneddirector
- 2023-07-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-07-03📄change-person-director-company-with-change-dateofficers · CH01
- 2023-05-17📄accounts-with-accounts-type-groupaccounts · AA
- 2022-12-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-11-07➖RITCHIE, Stuart Duncan resigneddirector
- 2022-11-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-09-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-09-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-09-05➕HARDY, Benjamin appointeddirector
- 2022-09-05➕STEELE, Rebecca appointeddirector
- 2022-07-29📄accounts-with-accounts-type-groupaccounts · AA
- 2022-05-20➖MILLER, Philippa Claire resigneddirector
- 2022-05-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-03-21➕MILLER, Philippa Claire appointeddirector
- 2022-03-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-06-01📄accounts-with-accounts-type-groupaccounts · AA
- 2020-11-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-10-31➖VINEY, John Richard Charles Patrick, Dr resigneddirector
- 2020-10-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-10-07➕HAMMOND, Russell James appointeddirector
- 2020-06-22📄change-person-director-company-with-change-dateofficers · CH01
- 2020-06-22📄change-person-director-company-with-change-dateofficers · CH01
- 2020-06-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-05-14➖MCLEOD, Robert James resigneddirector
- 2019-08-20🔓Charge satisfied #3
- 2019-08-20🔓Charge satisfied #2
- 2018-03-23🔒Charge registered #4Lender: Barclays Bank PLC
- 2018-01-08🔓Charge satisfied #1
- 2016-06-12➕RITCHIE, Stuart Duncan appointeddirector
- 2013-04-10➕MCLEOD, Robert James appointeddirector
- 2011-01-13🔒Charge registered #3Lender: Gms Estates Limited
- 2009-07-31🔒Charge registered #2Lender: Gms Estates Limited
- 2008-03-10➕MILLER, Philippa Claire appointedsecretary
- 2008-03-10➖VINEY, John Richard Charles Patrick resignedsecretary
- 2008-03-10➕VINEY, John Richard Charles Patrick, Dr appointeddirector
- 2008-01-28🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2007-01-23🏢Company incorporatedAs AES FINANCIAL SERVICES LTD
- 2007-01-23➕INSTONE, Samuel Andrew appointeddirector
- 2007-01-23➕VINEY, John Richard Charles Patrick appointedsecretary
Owner dependency
60/100
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 19 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
53/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondary12+ year tenure: Director in role 19 years.
- secondaryStable-but-static management: Company is 19 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.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Samuel Andrew Instone Individual · British · DOB 08/1977 · age 49 | 75–100% | — | 75-100% shares | 06/04/2016 |
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
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|---|---|---|---|---|---|---|---|
| A & J MUCKLOW GROUP LIMITED→ 00717658 · est 1962 · no financials extracted | — | — | — | — | 64y | — | — |
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| AERNOVUM AVIATION LIMITED→ 13502581 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AETHER ASSETS MANAGEMENT LTD→ 15523059 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AFAQ GLOBAL LTD→ 16225410 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AFIG PARTNERS LTD→ 15202018 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AFS CAP 1 LTD→ 14703048 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| AG PROTECT LTD→ 17006105 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AGENZIA LIGURIA RUSSIA LTD→ 07808773 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| AGI INVESTMENTS NO1 LIMITED→ 16084986 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AGI INVESTMENTS NO5 LIMITED→ 16086385 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AGI INVESTMENTS NO6 LIMITED→ 16085341 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2007-01-23
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
51 Dorset Street
London
W1U 7NG
England
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-02-06
Last: 2026-01-23
Officers (4 active · 6 resigned)
MILLER, Philippa Claire→
Activesecretary · appointed 2008-03-10
View their other companies + combined net worth →
HARDY, Benjamin→
Activedirector · ~51y · appointed 2022-09-05
View their other companies + combined net worth →
INSTONE, Samuel Andrew→
Activedirector · ~49y · appointed 2007-01-23
View their other companies + combined net worth →
STEELE, Rebecca→
Activedirector · ~44y · appointed 2022-09-05
View their other companies + combined net worth →
VINEY, John Richard Charles Patrick→
Resignedsecretary · appointed 2007-01-23 · resigned 2008-03-10
HAMMOND, Russell James→
Resigneddirector · ~47y · appointed 2020-10-07 · resigned 2023-07-04
MCLEOD, Robert James→
Resigneddirector · ~64y · appointed 2013-04-10 · resigned 2020-05-14
MILLER, Philippa Claire→
Resigneddirector · ~50y · appointed 2022-03-21 · resigned 2022-05-20
RITCHIE, Stuart Duncan→
Resigneddirector · ~43y · appointed 2016-06-12 · resigned 2022-11-07
VINEY, John Richard Charles Patrick, Dr→
Resigneddirector · ~46y · appointed 2008-03-10 · resigned 2020-10-31
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
1
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 23/03/2018 | — | |
| satisfied | Gms Estates Gms Estates Limited | Rent deposit deed | 1 property | 13/01/2011 | 20/08/2019 | |
| satisfied | Gms Estates Gms Estates Limited | Rent deposit deed | 1 property | 31/07/2009 | 20/08/2019 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 28/01/2008 | 08/01/2018 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (98 total)
accounts-with-accounts-type-full
accounts · AA
2026-04-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-23
accounts-with-accounts-type-full
accounts · AA
2025-04-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-23
accounts-with-accounts-type-group
accounts · AA
2024-05-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-23
termination-director-company-with-name-termination-date
officers · TM01
2023-07-04
change-person-director-company-with-change-date
officers · CH01
2023-07-03
accounts-with-accounts-type-group
accounts · AA
2023-05-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-12-19
termination-director-company-with-name-termination-date
officers · TM01
2022-11-07
appoint-person-director-company-with-name-date
officers · AP01
2022-09-06
appoint-person-director-company-with-name-date
officers · AP01
2022-09-06
accounts-with-accounts-type-group
accounts · AA
2022-07-29