1FS LTD
🌳Matureactive
06180697 · ltd · incorporated 2007-03-23
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
£36.3k
book net assets
Opportunity
78/100
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 bankable structure.
Opportunity 78/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -70% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 15.6y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 15.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (79/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
58 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £36,250
Cash draining
Cash down 70% YoY
Cash YoY
-70%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£3k
↓ 70% YoY
Net Worth
£36k
~ YoY
Current Assets
£40k
↓ 29% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £48.1k | £56.9k |
| Current assets | £40.4k | £56.8k |
| Cash | £3.4k | £11.4k |
| Debtors | £37.0k | £45.4k |
| Net assets | £36.3k | £36.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2025-05-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-05-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-04-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-06-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-05-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-09-20📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-05-10📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-12-09➕WILDER, Ellen appointeddirector
- 2015-12-09➖WILDER, Ellen resignedsecretary
- 2010-10-26🔒Charge registered #1Lender: National Westminster Bank PLC
- 2007-03-23🏢Company incorporatedAs 1FS LTD
- 2007-03-23➕WILDER, Christopher John appointeddirector
- 2007-03-23➕WILDER, Ellen appointedsecretary
- 2007-03-23➕TEMPLE SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2007-03-23➖TEMPLE SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2007-03-23➕COMPANY DIRECTORS LIMITED appointedcorporate-nominee-director
- 2007-03-23➖COMPANY DIRECTORS LIMITED resignedcorporate-nominee-director
Owner dependency
76/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
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 19 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Christopher John Wilder Individual · British · DOB 09/1969 · age 57 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
Mrs Ellen Wilder Individual · British · DOB 05/1972 · age 54 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 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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|---|---|---|---|---|---|---|---|
| 4MM LTD→ 07783098 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| A MOVE BROKERS LTD→ 10430934 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ABBOTS PARK WEALTH MANAGEMENT LTD→ 09470433 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ACCURO UNDERWRITING LTD→ 04118067 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| ACE BIDCO LIMITED→ 11702935 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACTUARIAL ANALYTICS LIMITED→ 11364889 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACTURA CAPITAL LTD→ 16978857 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ACUITY INVESTORS LTD→ 16880832 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADAM OWENS FINANCIAL SOLUTIONS LIMITED→ 06496678 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| ADEPTIO WEALTH MANAGEMENT LTD→ 13288802 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ADIUTO LIMITED→ 09472644 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| AECLIPSE LTD→ 09075706 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated2007-03-23
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
1 Queen's Park Road, Handbridge
Chester
Cheshire
CH4 7AD
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-22
Last: 2026-04-08
Officers (2 active · 3 resigned)
WILDER, Christopher John→
Activedirector · ~57y · appointed 2007-03-23
View their other companies + combined net worth →
WILDER, Ellen→
Activedirector · ~54y · appointed 2015-12-09
View their other companies + combined net worth →
WILDER, Ellen→
Resignedsecretary · appointed 2007-03-23 · resigned 2015-12-09
TEMPLE SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2007-03-23 · resigned 2007-03-23
COMPANY DIRECTORS LIMITED→
Resignedcorporate-nominee-director · appointed 2007-03-23 · resigned 2007-03-23
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 26/10/2010 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (58 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-05-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2019-07-04