A S FINANCIAL LIMITED

🌳Matureactive

06951009 · ltd · incorporated 2009-07-02

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

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 11.8y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

—

book net assets

Opportunity

77/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 77/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 11.8y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 11.8 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (84/100)

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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

9 officers (6 active, 9 linked, 9 with DOB)

Ownership & PSC

1 active PSC(s) of 3 total, 3 with control declared

Director network

17 connected companies via shared directors

Filing history

74 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31	2024-03-31
Average employees	2300	1800

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (33 events)Click to expand

2025-12-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-17
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-17
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-01-16
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-11-17
📄
change-person-director-company-with-change-date
officers · CH01
2022-11-17
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-17
📄
change-person-director-company-with-change-date
officers · CH01
2022-11-17
📄
change-person-director-company-with-change-date
officers · CH01
2022-11-17
📄
change-person-director-company-with-change-date
officers · CH01
2022-11-17
📄
change-person-director-company-with-change-date
officers · CH01
2022-11-17
📄
change-person-director-company-with-change-date
officers · CH01
2022-11-17
📄
change-person-director-company-with-change-date
officers · CH01
2022-11-17
📄
change-person-director-company-with-change-date
officers · CH01
2022-09-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-03-07
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2019-10-17
➕
BELL, Craig James appointed
director
2015-04-30
➕
DENNETT, James Anthony appointed
director
2015-04-30
➕
ISTACE, Marcel Yvan Charles appointed
director
2015-04-30
➕
SEEWOONARAIN, Martin Vijay appointed
director
2014-08-22
🔒
Charge registered #1
Lender: Metro Bank PLC
2014-05-30
➖
POLLOCK, David William resigned
director
2014-05-30
➖
REDLER, Simon Peter resigned
director
2010-01-13
➕
CONWAY, Saul Gideon appointed
director
2010-01-13
➕
GALLIMORE, James Edward appointed
director
2010-01-13
➖
GILLAM, Neil Malcolm resigned
director
2010-01-13
➕
POLLOCK, David William appointed
director
2010-01-13
➕
REDLER, Simon Peter appointed
director
2009-07-02
🏢
Company incorporated
As A S FINANCIAL LIMITED
2009-07-02
➕
GILLAM, Neil Malcolm appointed
director

Owner dependency

50/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

53/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondary12+ year tenure: Director in role 16 years.
secondaryStable-but-static management: Company is 17 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

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr Saul Gideon Conway Individual · British · DOB 05/1980 · age 46	—	—	sig. influencesignificant influence	06/04/2016

2 historic (ceased) PSCs

Mr James Edward Gallimoreceased 02/01/2019· 25-50% shares
Mr Craig Bellceased 02/01/2019· 25-50% shares

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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ARKAY ACCOUNTANCY SERVICES LTD→ 16706088 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ASD CAPITAL LTD→ 16520811 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ASERCO INVESTMENT LTD→ 06575603 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
ASHARA CAPITAL LTD→ 16507022 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ASIA PACIFIC CONSULTING & TRADING CO. LTD→ 14143380 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
ASIAPAY (UK) LIMITED→ 15353242 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ASPEN GLOBAL INVESTMENTS LTD→ 12245971 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
ASPIRE WISE LTD→ 16339914 · est 2025 · no financials extracted	—	—	—	—	1y	—	—

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

Incorporated2009-07-02

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Elm Yard

10 - 16 Elm Street

London

WC1X 0BJ

England

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-01-17

Last: 2026-01-03