INDEPENDENT ADVICE LTD

🌳Matureactive
06759774 · ltd · incorporated 2008-11-27
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
£918.8k
year to Jul 2025
Net worth
—
book net assets
Opportunity
81/100
Exceptional
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Conservative operator with a 65-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (88/100).

Data confidence

Overall: medium (79/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (5 active, 5 linked, 4 with DOB)
86
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
51 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
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
Profitable
Profit before tax £439,440

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-07-312024-07-31
Turnover£918.8k—
Operating profit£431.3k—
Profit before tax£439.4k—
Average employees700700

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

🔒Filing-note intelligence

4 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 accounts
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2026-04-08
    📄
    accounts-with-accounts-type-medium
    accounts · AA
  2. 2025-10-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-06-30
    📄
    memorandum-articles
    incorporation · MA
  4. 2025-06-30
    📄
    resolution
    resolution · RESOLUTIONS
  5. 2025-06-30
    📄
    capital-name-of-class-of-shares
    capital · SH08
  6. 2024-10-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-10-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-11-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-10-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-09-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-01-27
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2020-01-08
    ➕
    SCOTT, Lucy Catherine, Dr appointed
    director
  13. 2019-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-10-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2017-09-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2017-02-13
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2017-02-08
    ➕
    SCOTT, Charlotte India appointed
    director
  19. 2010-05-17
    ➕
    SCOTT, Lesley Carolyn appointed
    director
  20. 2008-11-27
    🏢
    Company incorporated
    As INDEPENDENT ADVICE LTD
  21. 2008-11-27
    ➕
    SCOTT, Lesley Carolyn appointed
    secretary
  22. 2008-11-27
    ➕
    SCOTT, Howard John appointed
    director

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

73/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • 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 Howard John Scott
Individual · British · DOB 11/1961 · age 65
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mrs Lesley Carolyn Scott
Individual · British · DOB 06/1962 · age 64
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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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
Incorporated2008-11-27
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Suite C Futura Business Park
Aspinall Way
Bolton
BL6 6PG
England

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-12-06
Last: 2025-11-22

Officers (5 active · 0 resigned)

SCOTT, Lesley Carolyn→
secretary · appointed 2008-11-27
View their other companies + combined net worth →
Active
SCOTT, Charlotte India→
director · ~31y · appointed 2017-02-08
View their other companies + combined net worth →
Active
SCOTT, Howard John→
director · ~65y · appointed 2008-11-27
View their other companies + combined net worth →
Active
SCOTT, Lesley Carolyn→
director · ~64y · appointed 2010-05-17
View their other companies + combined net worth →
Active
SCOTT, Lucy Catherine, Dr→
director · ~33y · appointed 2020-01-08
View their other companies + combined net worth →
Active

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

Recent filings (51 total)

accounts-with-accounts-type-medium
accounts · AA
2026-04-08
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-15
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-01
memorandum-articles
incorporation · MA
2025-06-30
resolution
resolution · RESOLUTIONS
2025-06-30
capital-name-of-class-of-shares
capital · SH08
2025-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-27