ASPECT FINANCIAL SOLUTIONS LTD

🌳Matureactive
06304745 · ltd · incorporated 2007-07-06
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 Jan 2025
Net worth
£83.0k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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
Confirmed no charges registered
85
Directors & officers
8 officers (3 active, 8 linked, 5 with DOB)
83
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
74 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £83,035
Cash YoY
-13%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£17k
↓ 13% YoY
Net Worth
£83k
↑ 88% YoY
Current Assets
£121k
↑ 46% YoY
Current Liabilities
—
£0£24k£49k£73k£97k£121kJan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-01-312024-01-31
Total assets£109.8k£76.4k
Current assets£121.5k£83.4k
Cash£16.7k£19.2k
Debtors£104.8k£64.2k
Net assets£83.0k£44.2k

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

🔒Filing-note intelligence

3 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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
  1. 2025-09-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-08-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-09-20
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  4. 2023-07-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-07-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-03-28
    📄
    capital-name-of-class-of-shares
    capital · SH08
  7. 2022-03-28
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  8. 2022-03-26
    📄
    resolution
    resolution · RESOLUTIONS
  9. 2022-03-26
    📄
    memorandum-articles
    incorporation · MA
  10. 2021-06-07
    📄
    resolution
    resolution · RESOLUTIONS
  11. 2021-06-07
    📄
    memorandum-articles
    incorporation · MA
  12. 2021-06-07
    📄
    resolution
    resolution · RESOLUTIONS
  13. 2021-03-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2020-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-12-09
    ➕
    PARRY, Simon Keith appointed
    director
  16. 2019-11-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  17. 2019-11-07
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  18. 2019-07-09
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  19. 2018-05-31
    ➖
    OAKLEY, Simon Charles resigned
    director
  20. 2017-09-30
    ➕
    OAKLEY, Yvonne Lesley appointed
    director
  21. 2017-09-30
    ➕
    OAKLEY, Simon Charles appointed
    director
  22. 2017-09-30
    ➖
    OAKLEY, Simon Charles resigned
    director
  23. 2009-09-22
    ➖
    OAKLEY, Yvonne resigned
    director
  24. 2008-06-09
    ➕
    OAKLEY, Yvonne appointed
    secretary
  25. 2008-06-09
    ➖
    A G SECRETARIAL LIMITED resigned
    corporate-secretary
  26. 2008-06-09
    ➕
    OAKLEY, Simon Charles appointed
    director
  27. 2008-06-09
    ➕
    OAKLEY, Yvonne appointed
    director
  28. 2008-06-09
    ➖
    INHOCO FORMATIONS LIMITED resigned
    corporate-nominee-director
  29. 2007-07-06
    🏢
    Company incorporated
    As ASPECT FINANCIAL SOLUTIONS LTD
  30. 2007-07-06
    ➕
    A G SECRETARIAL LIMITED appointed
    corporate-secretary
  31. 2007-07-06
    ➕
    INHOCO FORMATIONS LIMITED appointed
    corporate-nominee-director

Owner dependency

66/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

56/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondaryStable-but-static management: Company is 19 years old and no new directors in the last 3 years — succession not yet being planned internally.

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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mrs Yvonne Lesley Oakley
Individual · British · DOB 06/1965 · age 61
75–100%
—75-100% shares06/07/2016
1 historic (ceased) PSC
  • Mr Simon Charles Oakleyceased 10/07/2019· 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

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
Incorporated2007-07-06
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Courthill House
60 Water Lane
Wilmslow
Cheshire
SK9 5AJ

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-07-24
Last: 2025-07-10

Officers (3 active · 5 resigned)

OAKLEY, Yvonne→
secretary · appointed 2008-06-09
View their other companies + combined net worth →
Active
OAKLEY, Yvonne Lesley→
director · ~61y · appointed 2017-09-30
View their other companies + combined net worth →
Active
PARRY, Simon Keith→
director · ~55y · appointed 2019-12-09
View their other companies + combined net worth →
Active
A G SECRETARIAL LIMITED→
corporate-secretary · appointed 2007-07-06 · resigned 2008-06-09
Resigned
OAKLEY, Simon Charles→
director · ~59y · appointed 2017-09-30 · resigned 2018-05-31
Resigned
OAKLEY, Simon Charles→
director · ~59y · appointed 2008-06-09 · resigned 2017-09-30
Resigned
OAKLEY, Yvonne→
director · ~61y · appointed 2008-06-09 · resigned 2009-09-22
Resigned
INHOCO FORMATIONS LIMITED→
corporate-nominee-director · appointed 2007-07-06 · resigned 2008-06-09
Resigned

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

Recent filings (74 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-10
appoint-person-director-company-with-name-date
officers · AP01
2023-09-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-27
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-18
capital-name-of-class-of-shares
capital · SH08
2022-03-28
capital-variation-of-rights-attached-to-shares
capital · SH10
2022-03-28
resolution
resolution · RESOLUTIONS
2022-03-26
memorandum-articles
incorporation · MA
2022-03-26
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-20
resolution
resolution · RESOLUTIONS
2021-06-07