ACORN TO OAKS FINANCIAL SERVICES LTD

🌳Matureactive
06547017 · ltd · incorporated 2008-03-27
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 Mar 2025
Net worth
£832.4k
book net assets
Opportunity
81/100
Exceptional
🔔
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 65120Non-life insurance
  • 66220Activities of insurance agents and brokers
Investor take
Pursue
Asset-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: share sale to pe / searcher (73/100).

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 3 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
10 officers (2 active, 10 linked, 9 with DOB)
88
Ownership & PSC
4 active PSC(s) of 6 total, 6 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
78 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 102
Positive net assets
Net assets £832,422
Cash YoY
-7%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£443k
↓ 7.4% YoY
Net Worth
£832k
↑ 9.8% YoY
Current Assets
£1.7m
↑ 20% YoY
Current Liabilities
—
£0£346k£693k£1.0m£1.4m£1.7mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£908.0k£647.6k
Current assets£1.73M£1.44M
Cash£442.9k£478.3k
Debtors£1.29M£960.9k
Net assets£832.4k£758.4k

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
2
filings
  • • 1 persons-with-significant-control
  • • 1 confirmation-statement
Last 90 days
2
filings
  • • 1 persons-with-significant-control
  • • 1 confirmation-statement
Last 180 days
3
filings
  • • 1 persons-with-significant-control
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
  1. 2026-05-11
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  2. 2025-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-10-11
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2023-12-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-12-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-12-10
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2021-06-02
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  8. 2021-06-02
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  9. 2021-05-17
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2021-05-02
    📄
    resolution
    resolution · RESOLUTIONS
  11. 2021-05-02
    📄
    memorandum-articles
    incorporation · MA
  12. 2021-05-01
    ➕
    GUPTA, Rahul appointed
    director
  13. 2021-04-16
    📄
    accounts-with-accounts-type-full
    accounts · AA
  14. 2021-04-15
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  15. 2021-04-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2021-04-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2021-04-06
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  18. 2021-04-01
    ➖
    GOLDSTEIN, Michael Howard resigned
    director
  19. 2021-04-01
    ➖
    PETERS, Benjamin resigned
    director
  20. 2020-01-06
    📄
    accounts-with-accounts-type-full
    accounts · AA
  21. 2019-01-07
    ➕
    GOLDSTEIN, Michael Howard appointed
    director
  22. 2019-01-07
    ➖
    HUTCHINS, Michael John Patrick resigned
    director
  23. 2019-01-07
    ➕
    PETERS, Benjamin appointed
    director
  24. 2019-01-07
    ➖
    STEIN, Robert resigned
    director
  25. 2012-10-19
    ➖
    OAKLEY, Jason Sam resigned
    director
  26. 2012-08-01
    ➖
    HOLLAND, Christopher Michael resigned
    director
  27. 2011-06-21
    ➕
    HOLLAND, Christopher Michael appointed
    director
  28. 2011-06-03
    ➕
    HUTCHINS, Michael John Patrick appointed
    director
  29. 2011-06-03
    ➕
    STEIN, Robert appointed
    director
  30. 2010-09-30
    ➖
    OAKLEY, Luke Frank resigned
    secretary
  31. 2010-09-30
    ➖
    OAKLEY, Luke Frank resigned
    director
  32. 2008-03-27
    🏢
    Company incorporated
    As ACORN TO OAKS FINANCIAL SERVICES LTD
  33. 2008-03-27
    ➕
    OAKLEY, Claire appointed
    director
  34. 2008-03-27
    ➕
    OAKLEY, Luke Frank appointed
    secretary
  35. 2008-03-27
    ➕
    OAKLEY, Jason Sam appointed
    director
  36. 2008-03-27
    ➕
    OAKLEY, Luke Frank appointed
    director

Owner dependency

76/100
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.
  • +Long-tenure founder: Senior director has been in place 18 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 candidate

Strong 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 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.)

Group structure

2 corporate shareholders identified. Group structure is distributed.

🏛️
Acorn To Oaks Financial Services Eot Ltd
Corporate parent · holds 50-75% shares
majority
🏛️
Oakley Family Investments Ltd
Corporate parent · holds 25-50% shares
significant stake
⬇
ACORN TO OAKS FINANCIAL SERVICES LTD
This company · 06547017

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

Shareholders & ownership

4 active beneficial owners · fragmented
NameSharesVoting rightsNature of controlNotified
Acorn To Oaks Financial Services Eot Ltd
Corporate entity
50–75%
—50-75% shares21/10/2025
Mrs Claire Oakley
Individual · British · DOB 08/1967 · age 59
25–50%
—25-50% shares01/04/2021
Oakley Family Investments Ltd
Corporate entity
25–50%
—25-50% shares01/04/2021
Mr Jason Sam Oakley
Individual · British · DOB 05/1987 · age 39
25–50%
—25-50% shares01/04/2021
2 historic (ceased) PSCs
  • Max Barney Investments Limitedceased 01/04/2021· 25-50% shares · 25-50% voting · board control
  • Mrs Claire Oakleyceased 07/01/2019· 25-50% voting

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
Incorporated2008-03-27
Jurisdictionengland-wales
Primary SIC65110 — Life insurance

Registered office

93 Church Street
Bilston
West Midlands
WV14 0BJ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-10
Last: 2026-03-27

Officers (2 active · 8 resigned)

GUPTA, Rahul→
director · ~64y · appointed 2021-05-01
View their other companies + combined net worth →
Active
OAKLEY, Claire→
director · ~59y · appointed 2008-03-27
View their other companies + combined net worth →
Active
OAKLEY, Luke Frank→
secretary · appointed 2008-03-27 · resigned 2010-09-30
Resigned
GOLDSTEIN, Michael Howard→
director · ~63y · appointed 2019-01-07 · resigned 2021-04-01
Resigned
HOLLAND, Christopher Michael→
director · ~41y · appointed 2011-06-21 · resigned 2012-08-01
Resigned
HUTCHINS, Michael John Patrick→
director · ~82y · appointed 2011-06-03 · resigned 2019-01-07
Resigned
OAKLEY, Jason Sam→
director · ~59y · appointed 2008-03-27 · resigned 2012-10-19
Resigned
OAKLEY, Luke Frank→
director · ~47y · appointed 2008-03-27 · resigned 2010-09-30
Resigned
PETERS, Benjamin→
director · ~43y · appointed 2019-01-07 · resigned 2021-04-01
Resigned
STEIN, Robert→
director · ~75y · appointed 2011-06-03 · resigned 2019-01-07
Resigned

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

Recent filings (78 total)

notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-05-11
confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-29
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-10-11
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-09
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-17
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-22
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-11
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-12-10
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2021-06-02
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-06-02
appoint-person-director-company-with-name-date
officers · AP01
2021-05-17
resolution
resolution · RESOLUTIONS
2021-05-02