FIBONACCI SW LTD
🌳Matureactive
06399774 · ltd · incorporated 2007-10-16
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£451.9k
book net assets
Opportunity
81/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 64-year-old founder — textbook succession opportunity.
Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (76/100)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
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
39 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £451,929
Net assets shrinking
Down £4,058 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£452k
~ YoY
Current Assets
£172k
↑ 3.3% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £453.2k | £457.5k |
| Current assets | £172.2k | £166.7k |
| Net assets | £451.9k | £456.0k |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2025-09-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-06-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-07-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-05-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-10-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-07-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2015-12-19📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-06-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2014-11-07📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-08-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2013-12-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2007-10-16🏢Company incorporatedAs FIBONACCI SW LTD
- 2007-10-16➕ROSS, Timothy appointedsecretary
- 2007-10-16➕JAMES, Rachel appointeddirector
- 2007-10-16➕ROSS, Timothy appointeddirector
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.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
79/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- 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 Timothy Ross Individual · British · DOB 12/1965 · age 61 | 25–50% | — | 25-50% shares | 06/04/2016 |
Ms Rachel James Individual · British · DOB 03/1962 · age 64 | 25–50% | — | 25-50% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · BS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| EUROPA UNDERWRITING LIMITED→ 03872760 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| EVERYSTEP FINANCIAL LIMITED→ 16512244 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| FD COMMERCIAL & BRIDGING LTD→ 11671723 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| FORD MARITAGE CONSULTING LIMITED→ 12142874 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| FORWARD THINKING (BRISTOL) LIMITED→ 14589512 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| FRAZER JAMES LTD→ 11714188 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| FS4U LTD→ 12166774 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| FUND THEIR FUTURE→ 04853665 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| FUNDER FINDER LTD→ 10670442 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| FUNDING COMPASS LIMITED→ 13098692 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FUTURE LEAP FINANCE LTD→ 13982042 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| FUTURE PLANS BRIDGING AND COMMERCIAL LIMITED→ 16462601 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2007-10-16
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
19 South Rd
Portishead
North Somerset
BS20 7DU
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-30
Last: 2025-10-16
Officers (3 active · 0 resigned)
Active
JAMES, Rachel→
Activedirector · ~64y · appointed 2007-10-16
View their other companies + combined net worth →
ROSS, Timothy→
Activedirector · ~61y · appointed 2007-10-16
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (39 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-25
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-12
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-08
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-10
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-22
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-24
accounts-with-accounts-type-micro-entity
accounts · AA
2020-07-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-11-23
accounts-with-accounts-type-micro-entity
accounts · AA
2019-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2018-10-21