EMBRACE FINANCIAL SERVICES LTD

🌳Matureactive

06447316 · ltd · incorporated 2007-12-06

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

—

not disclosed

Net worth

—

book net assets

Opportunity

71/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 71/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 0.5y

30/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Newest facility, 0.5 years old — likely still in initial term.
· Single lender — cleanest path to refinance.
· Legal-friction score 28/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (61/100)

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

No iXBRL financials extracted

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

20 officers (3 active, 20 linked, 19 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

13 connected companies via shared directors

Filing history

103 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

71/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

• 2 officers

Last 180 days

filings

• 2 officers
• 1 resolution
• 1 incorporation

Counts from Companies House filing history.

Corporate timeline (61 events)Click to expand

2026-03-25
📄
change-person-director-company-with-change-date
officers · CH01
2026-03-25
📄
change-person-director-company-with-change-date
officers · CH01
2026-01-08
📄
resolution
resolution · RESOLUTIONS
2026-01-08
📄
memorandum-articles
incorporation · MA
2025-12-22
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-19
🔒
Charge registered #1
Lender: Aether Financial Services UK Limited as Security Trustee for the Secured Parties (As Defined in the Instrument)
2025-10-21
➕
PRAKASH, Mayank appointed
director
2025-10-21
➖
EMBLEY, Simon David resigned
director
2025-10-21
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-10-21
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-10-20
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-06
📄
accounts-with-accounts-type-full
accounts · AA
2025-09-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-01
➕
ANTROBUS, Claire Alexandra appointed
director
2025-08-21
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-08-15
➖
ADORIAN, Thomas Luke resigned
director
2025-04-11
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-04-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-03-31
➖
NURDING, Paul Francis resigned
director
2025-01-02
📄
accounts-with-accounts-type-full
accounts · AA
2024-06-12
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-19
📄
accounts-with-accounts-type-full
accounts · AA
2024-04-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-20
➕
GIBSON, Jeremy Paul appointed
director
2023-04-13
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-04-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-04-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-04-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-04-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-04-07
➖
FITZGERALD, Sapna Bedi resigned
secretary
2023-04-07
➖
BLAKE, Oliver Thomas resigned
director
2023-04-07
➕
EMBLEY, Simon David appointed
director
2023-04-07
➖
ROUND, Jonathan Pearson resigned
director
2023-04-07
➖
WHITTLE, Stuart resigned
director
2022-02-04
➕
WHITTLE, Stuart appointed
director
2022-01-31
➕
ADORIAN, Thomas Luke appointed
director
2022-01-31
➖
RAICHURA, Rajeev Ramniklal resigned
director
2021-12-16
➖
CASTLETON, Adam Robert resigned
director
2021-02-25
➖
COX, Simon resigned
director
2021-02-25
➖
TRANTUM, Andrew Paul resigned
director
2020-11-02
➕
NURDING, Paul Francis appointed
director
2020-07-01
➖
BUCK, Helen Elizabeth resigned
director
2020-07-01
➖
HARDY, Paul resigned
director
2020-07-01
➕
RAICHURA, Rajeev Ramniklal appointed
director
2020-07-01
➕
ROUND, Jonathan Pearson appointed
director
2018-09-07
➕
BLAKE, Oliver Thomas appointed
director
2018-09-07
➕
BUCK, Helen Elizabeth appointed
director
2018-09-07
➕
COX, Simon appointed
director
2018-09-07
➕
HARDY, Paul appointed
director
2018-09-07
➖
ROUND, Jonathan Pearson resigned
director

Showing most recent 50 of 61 events

Owner dependency

50/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

Succession & seller-readiness

30/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

Red flags

1 med · 1 low

2 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: ADORIAN, Thomas Luke resigned 2025-08-15; EMBLEY, Simon David resigned 2025-10-21

Multiple registered office changes

low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Group structure

Pivotal Growth Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Pivotal Growth Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

EMBRACE FINANCIAL SERVICES LTD

This company · 06447316

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Pivotal Growth Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	07/04/2023

1 historic (ceased) PSC

Lsl Property Services Plcceased 07/04/2023· 75-100% shares · 75-100% voting · board control

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

Active · Financial services · EX postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ARAM FAMILY HOLDINGS LIMITED→ 10363573 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
ARLINGTON FINANCIAL ASSOCIATES LIMITED→ 11174486 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
ARNOCO (SW) LTD→ 11430276 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
ARTORI LIMITED→ 05769211 · est 2006 · no financials extracted	—	—	—	—	20y	—	—
ASCENDRIA LIMITED→ 16034731 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ASG MORTGAGES LTD→ 14244032 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
ASPARA LIMITED→ 10402633 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
ASSET FINANCE MAN LIMITED→ 14015064 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
ASSET FINANCE SPECIALISTS LTD→ 12058060 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
ATLAS SCALE LIMITED→ 15970698 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ATTENTUS FINANCIAL PLANNING LTD→ 16130292 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ATTFIELD JAMES LIMITED→ 02851160 · est 1993 · no financials extracted	—	—	—	—	32y	—	—

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

Incorporated2007-12-06

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

First Floor, Keble House

Southernhay Gardens

Exeter

EX1 1NT

England

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-11-13

Last: 2025-10-30

Officers (3 active · 17 resigned)

ANTROBUS, Claire Alexandra→

director · ~53y · appointed 2025-09-01

View their other companies + combined net worth →

Active

GIBSON, Jeremy Paul→

director · ~53y · appointed 2024-03-20

View their other companies + combined net worth →

Active

PRAKASH, Mayank→

director · ~53y · appointed 2025-10-21

View their other companies + combined net worth →

Active

FITZGERALD, Sapna Bedi→

secretary · appointed 2007-12-06 · resigned 2023-04-07

Resigned

ADORIAN, Thomas Luke→

director · ~42y · appointed 2022-01-31 · resigned 2025-08-15

Resigned

BLAKE, Oliver Thomas→

director · ~55y · appointed 2018-09-07 · resigned 2023-04-07

Resigned

BUCK, Helen Elizabeth→

director · ~66y · appointed 2018-09-07 · resigned 2020-07-01

Resigned

CASTLETON, Adam Robert→

director · ~62y · appointed 2016-01-01 · resigned 2021-12-16

Resigned

COOKE, Stephen Andrew→

director · ~61y · appointed 2014-04-30 · resigned 2014-12-19

Resigned

COX, Simon→

director · ~59y · appointed 2018-09-07 · resigned 2021-02-25

Resigned

EMBLEY, Simon David→

director · ~66y · appointed 2023-04-07 · resigned 2025-10-21

Resigned

EMBLEY, Simon David→

director · ~66y · appointed 2007-12-06 · resigned 2014-04-30

Resigned

FIELDING, Dean Andrew→

director · ~61y · appointed 2007-12-06 · resigned 2010-07-01

Resigned

HARDY, Paul→

director · ~50y · appointed 2018-09-07 · resigned 2020-07-01

Resigned

NURDING, Paul Francis→

director · ~63y · appointed 2020-11-02 · resigned 2025-03-31

Resigned

RAICHURA, Rajeev Ramniklal→

director · ~47y · appointed 2020-07-01 · resigned 2022-01-31

Resigned

ROUND, Jonathan Pearson→

director · ~62y · appointed 2020-07-01 · resigned 2023-04-07

Resigned

ROUND, Jonathan Pearson→

director · ~62y · appointed 2014-12-19 · resigned 2018-09-07

Resigned

TRANTUM, Andrew Paul→

director · ~59y · appointed 2018-09-07 · resigned 2021-02-25

Resigned

WHITTLE, Stuart→

director · ~52y · appointed 2022-02-04 · resigned 2023-04-07

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	outstanding	Aether Financial Services UK as Security Trustee for the Secured Parties (As Defined in the Instrument) Aether Financial Services UK Limited as Security Trustee for the Secured Parties (As Defined in the Instrument)	A registered charge	1 property	19/12/2025	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (103 total)

change-person-director-company-with-change-date

officers · CH01

2026-03-25

change-person-director-company-with-change-date

officers · CH01

2026-03-25

resolution

resolution · RESOLUTIONS

2026-01-08

memorandum-articles

incorporation · MA

2026-01-08

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2025-12-22

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-11-15

appoint-person-director-company-with-name-date

officers · AP01

2025-10-21

termination-director-company-with-name-termination-date

officers · TM01

2025-10-21

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2025-10-20

accounts-with-accounts-type-full

accounts · AA

2025-10-06

appoint-person-director-company-with-name-date

officers · AP01

2025-09-02

termination-director-company-with-name-termination-date

officers · TM01

2025-08-21

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2025-04-11

termination-director-company-with-name-termination-date

officers · TM01

2025-04-01

accounts-with-accounts-type-full

accounts · AA

2025-01-02