ALTOGETHER FINANCIAL SOLUTIONS LIMITED
🌳Matureactive
06669793 · ltd · incorporated 2008-08-11
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 Aug 2024
Net worth
£599
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 76/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (71/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (3 active, 5 linked, 3 with DOB)
82
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
61 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £599
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
£599
Current Assets
£68k
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-08-30 |
|---|---|
| Total assets | £19.0k |
| Current assets | £68.1k |
| Net assets | £599 |
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
0
filings
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2025-08-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-05-29📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-08-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-29📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-08-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-25📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2023-05-27📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-08-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-18📄capital-allotment-sharescapital · SH01
- 2021-05-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-02-08📄change-person-director-company-with-change-dateofficers · CH01
- 2021-02-08📄change-person-secretary-company-with-change-dateofficers · CH03
- 2021-02-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-02-02➕CHRISTMAS - WILLAN, Helen appointeddirector
- 2020-08-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-05-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-08-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-05-29📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2012-01-31➖BAPTIE, Graham Doig Scott resigneddirector
- 2008-08-11🏢Company incorporatedAs ALTOGETHER FINANCIAL SOLUTIONS LIMITED
- 2008-08-11➕WILLAN, Richard James appointedsecretary
- 2008-08-11➕WILLAN, Richard James appointeddirector
- 2008-08-11➕BAPTIE, Graham Doig Scott appointeddirector
- 2008-08-11➕BUSINESS INFORMATION RESEARCH & REPORTING LIMITED appointedcorporate-director
- 2008-08-11➖BUSINESS INFORMATION RESEARCH & REPORTING LIMITED resignedcorporate-director
Owner dependency
68/100
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 18 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- 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
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 Richard James Willan Individual · British · DOB 11/1973 · age 53 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mrs Helen Christmas Willan Individual · British · DOB 07/1975 · age 51 | 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.
🔒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 · BD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ACCORD MORTGAGES LIMITED→ 02139881 · est 1987 · no financials extracted | — | — | — | — | 38y | — | — |
| AL AMIN INVESTMENTS LIMITED→ 11125502 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ALEXANDER FINANCIAL SOLUTIONS LTD→ 11365305 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| APPOINTEE CARE LIMITED→ 15957094 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARGENTUM RESET LTD→ 17089809 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ARSHAD HOLDINGS LIMITED→ 16747741 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ASAD CONSULTING LTD→ 12025325 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ASIM SALEEM CONSULTING LTD→ 08029739 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| ASPIRATIONS PEOPLE LTD→ 10139941 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ASSURE COMMERCIAL FINANCE LTD→ 10617607 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ASTUTE PENSION TRUSTEES LIMITED→ 08696449 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ATLAS & CO MORTGAGE SERVICES LIMITED→ 16593202 · 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
Incorporated2008-08-11
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Suite 5, First Floor Briar Rhydding House
Briar Rhydding
Baildon
West Yorkshire
BD17 7JW
England
Filing status
Accounts
Next due: 2026-05-30
Last made up to: 2024-08-30
Confirmation statement
Next due: 2026-08-25
Last: 2025-08-11
Officers (3 active · 2 resigned)
WILLAN, Richard James→
Activesecretary · appointed 2008-08-11
View their other companies + combined net worth →
CHRISTMAS - WILLAN, Helen→
Activedirector · ~51y · appointed 2021-02-02
View their other companies + combined net worth →
WILLAN, Richard James→
Activedirector · ~53y · appointed 2008-08-11
View their other companies + combined net worth →
BAPTIE, Graham Doig Scott→
Resigneddirector · ~55y · appointed 2008-08-11 · resigned 2012-01-31
BUSINESS INFORMATION RESEARCH & REPORTING LIMITED→
Resignedcorporate-director · appointed 2008-08-11 · resigned 2008-08-11
Click a director name to see their full track record across all companies.
Recent filings (61 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-12
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-05-29
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-13
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-05-29
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-31
change-account-reference-date-company-previous-extended
accounts · AA01
2023-08-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-11
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-05-27
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-31
confirmation-statement-with-updates
confirmation-statement · CS01
2022-08-11
capital-allotment-shares
capital · SH01
2022-07-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-18
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-28