MONEY MATTERS FINANCIAL SOLUTIONS LTD

🌳Matureactive
06999649 · ltd · incorporated 2009-08-25
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 Sept 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 67). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (78/100)

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
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
40 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.

Key financials

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

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30

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
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
  1. 2026-05-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-08-11
    📄
    capital-allotment-shares
    capital · SH01
  3. 2025-05-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-03-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-03-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-05-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-02-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-04-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-04-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-05-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2016-12-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2016-03-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2015-10-06
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-03-17
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2009-08-25
    🏢
    Company incorporated
    As MONEY MATTERS FINANCIAL SOLUTIONS LTD
  16. 2009-08-25
    ➕
    SHEPPARD, Deborah Mary appointed
    secretary
  17. 2009-08-25
    ➕
    SHEPPARD, Brian Douglas appointed
    director
  18. 2009-08-25
    ➕
    SHEPPARD, Deborah Mary 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 17 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

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 67. 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 17 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
NameSharesVoting rightsNature of controlNotified
Mr Brian Douglas Sheppard
Individual · English · DOB 03/1959 · age 67
25–50%
—25-50% shares25/08/2016

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
Incorporated2009-08-25
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

5 Park Street
Weymouth
Dorset
DT4 7DQ

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-10-29
Last: 2025-10-15

Officers (3 active · 0 resigned)

SHEPPARD, Deborah Mary→
secretary · appointed 2009-08-25
View their other companies + combined net worth →
Active
SHEPPARD, Brian Douglas→
director · ~67y · appointed 2009-08-25
View their other companies + combined net worth →
Active
SHEPPARD, Deborah Mary→
director · ~66y · appointed 2009-08-25
View their other companies + combined net worth →
Active

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

Recent filings (40 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-15
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-20
capital-allotment-shares
capital · SH01
2025-08-11
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-15
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-17
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-16
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-15
accounts-with-accounts-type-micro-entity
accounts · AA
2021-02-22
confirmation-statement-with-updates
confirmation-statement · CS01
2020-10-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-01
accounts-with-accounts-type-micro-entity
accounts · AA
2020-04-15