LEA FINANCIAL SERVICES LIMITED

🌳Matureactive
06567926 · ltd · incorporated 2008-04-16
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 Jun 2025
Net worth
£42.6k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 80-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 80). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (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, 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
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
44 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 · accounting standard not declared
Positive net assets
Net assets £42,599

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£43k
↑ 12% YoY
Current Assets
£46k
↑ 4.4% YoY
Current Liabilities
—
£0£9k£18k£27k£37k£46kJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-06-302024-06-30
Total assets£42.6k£38.2k
Current assets£45.6k£43.7k
Net assets£42.6k£38.2k

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

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 (21 events)Click to expand
  1. 2025-11-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-10-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-09-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-12-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-03-11
    📄
    capital-return-purchase-own-shares-treasury-capital-date
    capital · SH03
  6. 2021-09-10
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2021-09-10
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  8. 2021-09-01
    ➖
    WHITFIELD, Ellen Ann resigned
    director
  9. 2021-07-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2021-02-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2019-09-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2018-08-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2017-12-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2016-07-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2016-04-18
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2016-02-14
    📄
    capital-allotment-shares
    capital · SH01
  17. 2008-04-16
    🏢
    Company incorporated
    As LEA FINANCIAL SERVICES LIMITED
  18. 2008-04-16
    ➕
    WHITFIELD, Andrew Simon Paul appointed
    secretary
  19. 2008-04-16
    ➕
    WHITFIELD, Andrew Simon Paul appointed
    director
  20. 2008-04-16
    ➕
    WHITFIELD, Leslie William Peter appointed
    director
  21. 2008-04-16
    ➕
    WHITFIELD, Ellen Ann appointed
    director

Owner dependency

91/100
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 80 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

89/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 80 years old. Natural succession window is now.
  • 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 Andrew Simon Paul Whitfield
Individual · British · DOB 09/1980 · age 46
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Leslie William Peter Whitfield
Individual · English · DOB 09/1946 · age 80
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
1 historic (ceased) PSC
  • Mrs Ellen Ann Whitfieldceased 01/09/2021· 25-50% shares · 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

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.

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Company details

Statusactive
Typeltd
Incorporated2008-04-16
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

6 Keppel Place
Stoke
Plymouth
Devon
PL2 1AX

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-04-30
Last: 2026-04-16

Officers (3 active · 1 resigned)

WHITFIELD, Andrew Simon Paul→
secretary · appointed 2008-04-16
View their other companies + combined net worth →
Active
WHITFIELD, Andrew Simon Paul→
director · ~46y · appointed 2008-04-16
View their other companies + combined net worth →
Active
WHITFIELD, Leslie William Peter→
director · ~80y · appointed 2008-04-16
View their other companies + combined net worth →
Active
WHITFIELD, Ellen Ann→
director · ~71y · appointed 2008-04-16 · resigned 2021-09-01
Resigned

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

Recent filings (44 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-18
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-21
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-16
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-18
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-19
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-16
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2022-03-11
termination-director-company-with-name-termination-date
officers · TM01
2021-09-10
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2021-09-10
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-16
accounts-with-accounts-type-micro-entity
accounts · AA
2021-02-03