AIC FINANCIAL LIMITED
Opportunity 75/100 (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.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 700 | 600 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
Corporate timeline (20 events)Click to expand
- 2025-07-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-10-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-10-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-07-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-04-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-10-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-09-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-10-26📄capital-name-of-class-of-sharescapital · SH08
- 2015-08-12📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-08-03📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-03-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2007-11-02➕CHAPMAN, Natasha Catriona appointedsecretary
- 2007-11-02➖TURNER, Karen Jane resignedsecretary
- 2007-07-19🏢Company incorporatedAs AIC FINANCIAL LIMITED
- 2007-07-19➕CHAPMAN, Michael Stuart appointeddirector
- 2007-07-19➕TURNER, Karen Jane appointedsecretary
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Michael Stuart Chapman Individual · British · DOB 11/1972 · age 54 | 75–100% | — | 75-100% shares | 22/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Financial services · CO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1697 LIMITED→ 10388253 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| A KERRY SERVICES LIMITED→ 12322131 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| A.D.S. INSURANCE BROKERS LIMITED→ 02261242 · est 1988 · no financials extracted | — | — | — | — | 37y | — | — |
| ABACUS COLCHESTER LIMITED→ 06393406 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| ABCO INSURANCE SERVICES LIMITED→ 04670817 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| ADELANTE ASSET MANAGEMENT LIMITED→ 04643643 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| AHBCOMPANY LTD→ 11510325 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AJ PROTECT LTD→ 09216717 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| AJAX WEALTH MANAGEMENT LIMITED→ 11147499 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| ALPHA BETA CAPPA LTD→ 12046392 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AMERICOVER LIMITED→ 08550086 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ANCHOR CAPITAL SOLUTIONS LIMITED→ 16350719 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
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 →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
Registered office
Filing status
Officers (2 active · 1 resigned)
Click a director name to see their full track record across all companies.