CHARTERED FINANCIAL ADVICE LTD

💤Zombieactive
06273785 · ltd · incorporated 2007-06-08
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: medium (78/100)

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
Confirmed no charges registered
85
Directors & officers
6 officers (1 active, 6 linked, 2 with DOB)
77
Ownership & PSC
1 active PSC(s) of 1 total, 1 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
74/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
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£0Jun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
0
filings
Last 90 days
3
filings
  • • 1 confirmation-statement
  • • 1 officers
  • • 1 address
Last 180 days
5
filings
  • • 3 address
  • • 1 confirmation-statement
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2026-04-27
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  2. 2026-04-27
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2026-04-24
    ➖
    RULE, Elizabeth resigned
    secretary
  4. 2026-02-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2026-02-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2025-09-13
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  7. 2025-04-02
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  8. 2024-03-19
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  9. 2023-03-31
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  10. 2022-03-13
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  11. 2021-06-03
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  12. 2020-01-09
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  13. 2018-11-20
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  14. 2018-03-30
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  15. 2016-07-06
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  16. 2016-07-06
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2011-01-01
    ➕
    RULE, Elizabeth Evelyn appointed
    director
  18. 2011-01-01
    ➕
    RULE, Elizabeth appointed
    secretary
  19. 2010-07-10
    ➖
    @UK DORMANT COMPANY SECRETARY LIMITED resigned
    corporate-nominee-secretary
  20. 2010-07-10
    ➖
    BROWN, Thomas Ashley resigned
    director
  21. 2010-07-10
    ➖
    @UK DORMANT COMPANY DIRECTOR LIMITED resigned
    corporate-nominee-director
  22. 2008-08-04
    ➕
    @UK DORMANT COMPANY DIRECTOR LIMITED appointed
    corporate-nominee-director
  23. 2008-08-04
    ➖
    @UK DORMANT COMPANY DIRECTOR LIMITED resigned
    corporate-nominee-director
  24. 2008-07-31
    ➕
    BROWN, Thomas Ashley appointed
    director
  25. 2007-06-08
    🏢
    Company incorporated
    As CHARTERED FINANCIAL ADVICE LTD
  26. 2007-06-08
    ➕
    @UK DORMANT COMPANY SECRETARY LIMITED appointed
    corporate-nominee-secretary
  27. 2007-06-08
    ➕
    @UK DORMANT COMPANY DIRECTOR LIMITED appointed
    corporate-nominee-director

Owner dependency

85/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

68/100
Strong succession signal

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

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 16 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.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mrs Elizabeth Evelyn Rule
Individual · British · DOB 05/1971 · age 55
75–100%
—75-100% shares08/06/2016

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 →

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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
Incorporated2007-06-08
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

2 Dryden Close
Canterbury
Kent
CT1 1XW
United Kingdom

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-04-13
Last: 2026-03-30

Officers (1 active · 5 resigned)

RULE, Elizabeth Evelyn→
director · ~55y · appointed 2011-01-01
View their other companies + combined net worth →
Active
RULE, Elizabeth→
secretary · appointed 2011-01-01 · resigned 2026-04-24
Resigned
@UK DORMANT COMPANY SECRETARY LIMITED→
corporate-nominee-secretary · appointed 2007-06-08 · resigned 2010-07-10
Resigned
BROWN, Thomas Ashley→
director · ~42y · appointed 2008-07-31 · resigned 2010-07-10
Resigned
@UK DORMANT COMPANY DIRECTOR LIMITED→
corporate-nominee-director · appointed 2008-08-04 · resigned 2010-07-10
Resigned
@UK DORMANT COMPANY DIRECTOR LIMITED→
corporate-nominee-director · appointed 2007-06-08 · resigned 2008-08-04
Resigned

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

Recent filings (58 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-28
termination-secretary-company-with-name-termination-date
officers · TM02
2026-04-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-04-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-14
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-14
accounts-with-accounts-type-dormant
accounts · AA
2025-09-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-02
accounts-with-accounts-type-dormant
accounts · AA
2025-04-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-02
accounts-with-accounts-type-dormant
accounts · AA
2024-03-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-24
accounts-with-accounts-type-dormant
accounts · AA
2023-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-02
accounts-with-accounts-type-dormant
accounts · AA
2022-03-13
accounts-with-accounts-type-dormant
accounts · AA
2021-06-03