ALPHA-FINANCIALS LTD

🌳Matureactive
06488249 · ltd · incorporated 2008-01-30
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
—
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Turnover
—
year to Jan 2025
Net worth
£88.9k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Accounting and auditing activities
Sector: Professional, scientific & technical
ALSO REGISTERED FOR
  • 69202Bookkeeping activities
  • 70221Financial management
  • 74901Environmental consulting activities
Investor take
Pursue
Asset-holding vehicle with a 67-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -33% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (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, 4 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
1 connected companies via shared directors
48
Filing history
41 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
80
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 102
Positive net assets
Net assets £88,940
Net assets shrinking
Down £44,201 YoY
Cash YoY
-33%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£68k
↓ 33% YoY
Net Worth
£89k
↓ 33% YoY
Current Assets
£101k
↓ 29% YoY
Current Liabilities
—
£0£29k£57k£86k£114k£143kJan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-01-312024-01-31
Total assets£88.9k£133.1k
Current assets£100.8k£142.7k
Cash£68.3k£102.0k
Debtors£32.5k£40.7k
Net assets£88.9k£133.1k

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

🔒Filing-note intelligence

2 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
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2025-11-21
    📄
    resolution
    resolution · RESOLUTIONS
  2. 2025-11-21
    📄
    memorandum-articles
    incorporation · MA
  3. 2025-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-10-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-05-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-10-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-01-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-10-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-10-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2016-10-31
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-02-18
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-10-31
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-01-31
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2008-01-30
    🏢
    Company incorporated
    As ALPHA-FINANCIALS LTD
  17. 2008-01-30
    ➕
    HARDING, Peter Richard appointed
    secretary
  18. 2008-01-30
    ➕
    HARDING, Peter Richard appointed
    director
  19. 2008-01-30
    ➕
    LALEMAN, Anne Krista appointed
    director

Owner dependency

83/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

79/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. 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 18 years.
  • secondaryStable-but-static management: Company is 18 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr Peter Richard Harding
Individual · British · DOB 09/1959 · age 67
25–50%
—25-50% shares30/01/2017
Ms Anne Krista Laleman
Individual · English · DOB 10/1960 · age 66
25–50%
—25-50% shares01/01/2017

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
Incorporated2008-01-30
Jurisdictionengland-wales
Primary SIC69201 — Accounting and auditing activities

Registered office

Willowcroft
Hogmoor Lane
Hurst
RG10 0DH

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-12-18
Last: 2025-12-04

Officers (3 active · 0 resigned)

HARDING, Peter Richard→
secretary · appointed 2008-01-30
View their other companies + combined net worth →
Active
HARDING, Peter Richard→
director · ~67y · appointed 2008-01-30
View their other companies + combined net worth →
Active
LALEMAN, Anne Krista→
director · ~66y · appointed 2008-01-30
View their other companies + combined net worth →
Active

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

Recent filings (41 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-27
resolution
resolution · RESOLUTIONS
2025-11-21
memorandum-articles
incorporation · MA
2025-11-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-30