MWLFS LIMITED

🌳Matureactive
06123558 · ltd · incorporated 2007-02-22
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 Sept 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
🔔
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 66-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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
Confirmed no charges registered
85
Directors & officers
11 officers (4 active, 11 linked, 7 with DOB)
83
Ownership & PSC
6 active PSC(s) of 7 total, 7 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
86 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
82
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Sept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-09-302024-09-30
Average employees5500

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
3
filings
  • • 1 accounts
  • • 1 persons-with-significant-control
  • • 1 officers
Last 180 days
10
filings
  • • 5 persons-with-significant-control
  • • 2 address
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (39 events)Click to expand
  1. 2026-06-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2026-05-29
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2026-05-29
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2026-02-25
    📍
    move-registers-to-sail-company-with-new-address
    address · AD03
  5. 2026-02-24
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  6. 2026-02-24
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  7. 2026-02-24
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  8. 2026-02-24
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  9. 2026-02-24
    📍
    change-sail-address-company-with-new-address
    address · AD02
  10. 2025-06-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2025-05-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2024-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2024-01-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  14. 2024-01-19
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2023-06-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2023-02-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  17. 2023-02-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  18. 2022-07-22
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2022-05-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2022-03-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  21. 2021-05-07
    ➕
    MASTERMAN, Deborah Jane appointed
    director
  22. 2021-05-07
    ➕
    PALMER, Holly appointed
    director
  23. 2021-05-07
    ➖
    LORD, Lynne resigned
    secretary
  24. 2021-05-07
    ➖
    LORD, Lynne resigned
    director
  25. 2021-05-07
    ➖
    MURRAY, Kathleen Margaret Mary Bridget resigned
    director
  26. 2011-09-30
    ➖
    LORD, Simon Harrison resigned
    director
  27. 2010-10-20
    ➕
    GATES, Christopher appointed
    director
  28. 2008-02-28
    ➖
    LEADBEATTER, Matthew David resigned
    secretary
  29. 2008-01-21
    ➕
    WRIGHT, Stephen Nicholas appointed
    director
  30. 2008-01-21
    ➕
    LORD, Lynne appointed
    secretary
  31. 2008-01-21
    ➕
    LORD, Lynne appointed
    director
  32. 2008-01-21
    ➕
    LORD, Simon Harrison appointed
    director
  33. 2007-02-22
    🏢
    Company incorporated
    As MWLFS LIMITED
  34. 2007-02-22
    ➕
    LEADBEATTER, Matthew David appointed
    secretary
  35. 2007-02-22
    ➕
    FORM 10 SECRETARIES FD LTD appointed
    corporate-nominee-secretary
  36. 2007-02-22
    ➖
    FORM 10 SECRETARIES FD LTD resigned
    corporate-nominee-secretary
  37. 2007-02-22
    ➕
    MURRAY, Kathleen Margaret Mary Bridget appointed
    director
  38. 2007-02-22
    ➕
    FORM 10 DIRECTORS FD LTD appointed
    corporate-nominee-director
  39. 2007-02-22
    ➖
    FORM 10 DIRECTORS FD LTD resigned
    corporate-nominee-director

Owner dependency

65/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 66 — succession pressure is live.

Succession & seller-readiness

73/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
  • 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 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Group structure

2 corporate shareholders identified. Group structure is distributed.

🏛️
D&H Financial Services Ltd
Corporate parent · holds 25-50% shares
significant stake
🏛️
Wright & Lord Solicitors Ltd
Corporate parent · holds 25-50% shares
significant stake
⬇
MWLFS LIMITED
This company · 06123558

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

6 active beneficial owners · fragmented
NameSharesVoting rightsNature of controlNotified
D&H Financial Services Ltd
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting07/05/2021
Wright & Lord Solicitors Ltd
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting23/02/2018
Mrs Deborah Jane Masterman
Individual · British · DOB 08/1960 · age 66
——sig. influencesignificant influence07/05/2021
Mrs Holly Palmer
Individual · British · DOB 12/1991 · age 35
——sig. influencesignificant influence07/05/2021
Mr Stephen Nicholas Wright
Individual · British · DOB 08/1966 · age 60
——sig. influencesignificant influence23/02/2018
Mr Christopher Gates
Individual · British · DOB 09/1970 · age 56
——sig. influencesignificant influence23/02/2018
1 historic (ceased) PSC
  • Mrs Kathleen Margaret Mary Bridget Murrayceased 07/05/2021· 25-50% shares

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 →

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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
Incorporated2007-02-22
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

63 Victoria Street
Morecambe
Lancashire
LA4 4AF

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-03-08
Last: 2026-02-22

Officers (4 active · 7 resigned)

GATES, Christopher→
director · ~56y · appointed 2010-10-20
View their other companies + combined net worth →
Active
MASTERMAN, Deborah Jane→
director · ~66y · appointed 2021-05-07
View their other companies + combined net worth →
Active
PALMER, Holly→
director · ~35y · appointed 2021-05-07
View their other companies + combined net worth →
Active
WRIGHT, Stephen Nicholas→
director · ~60y · appointed 2008-01-21
View their other companies + combined net worth →
Active
LEADBEATTER, Matthew David→
secretary · appointed 2007-02-22 · resigned 2008-02-28
Resigned
LORD, Lynne→
secretary · appointed 2008-01-21 · resigned 2021-05-07
Resigned
FORM 10 SECRETARIES FD LTD→
corporate-nominee-secretary · appointed 2007-02-22 · resigned 2007-02-22
Resigned
LORD, Lynne→
director · ~67y · appointed 2008-01-21 · resigned 2021-05-07
Resigned
LORD, Simon Harrison→
director · ~69y · appointed 2008-01-21 · resigned 2011-09-30
Resigned
MURRAY, Kathleen Margaret Mary Bridget→
director · ~69y · appointed 2007-02-22 · resigned 2021-05-07
Resigned
FORM 10 DIRECTORS FD LTD→
corporate-nominee-director · appointed 2007-02-22 · resigned 2007-02-22
Resigned

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

Recent filings (86 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-06-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-29
change-person-director-company-with-change-date
officers · CH01
2026-05-29
move-registers-to-sail-company-with-new-address
address · AD03
2026-02-25
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-24
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-02-24
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-02-24
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-02-24
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-02-24
change-sail-address-company-with-new-address
address · AD02
2026-02-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-26
change-person-director-company-with-change-date
officers · CH01
2025-05-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-28
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-23