ARETIAN WEALTH MANAGEMENT LIMITED
🌳Matureactive
07101143 · ltd · incorporated 2009-12-10
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 May 2025
Net worth
—
book net assets
Opportunity
81/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with exceptional profile and bankable structure.
Opportunity 81/100 (exceptional), 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: high (81/100)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
3 officers (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
54 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
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 | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Average employees | 900 | 800 |
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
0
filings
Last 180 days
4
filings
- • 1 incorporation
- • 1 resolution
- • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-04-19📄memorandum-articlesincorporation · MA
- 2026-04-19📄resolutionresolution · RESOLUTIONS
- 2026-04-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2026-04-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-01➕MORLEY, Alex James Ford appointeddirector
- 2026-01-13📄capital-allotment-sharescapital · SH01
- 2026-01-05📄capital-allotment-sharescapital · SH01
- 2025-12-10📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-08📄memorandum-articlesincorporation · MA
- 2022-09-08📄resolutionresolution · RESOLUTIONS
- 2022-09-01📄resolutionresolution · RESOLUTIONS
- 2022-06-28📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2022-05-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-03-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-03-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-11-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-03📄capital-alter-shares-subdivisioncapital · SH02
- 2009-12-10🏢Company incorporatedAs ARETIAN WEALTH MANAGEMENT LIMITED
- 2009-12-10➕HARSUM, Michelle appointeddirector
- 2009-12-10➕HARSUM, Paul appointeddirector
Owner dependency
76/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
53/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- secondary12+ year tenure: Director in role 17 years.
- 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.)
Group structure
Cardan Financial Group Limited holds 25-50% — a significant corporate investor but not a controlling parent.
🏛️significant stake
Cardan Financial Group Limited
Corporate parent · holds 25-50% shares
⬇
ARETIAN WEALTH MANAGEMENT LIMITED
This company · 07101143
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Cardan Financial Group Limited Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/04/2026 |
Mrs Michelle Harsum Individual · British · DOB 02/1981 · age 45 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
Mr Paul David Harsum Individual · British · DOB 06/1980 · age 46 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 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
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|---|---|---|---|---|---|---|---|
| APPLETON MORTGAGES LIMITED→ 15807713 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AQA GLOBAL LIMITED→ 16899866 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ARAMCO VENTURES LIMITED→ 08878134 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ARBRA INVESTMENT MANAGEMENT LTD→ 15690057 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARCHENON LTD→ 14480000 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ARCSTEN CAPITAL LIMITED→ 16828821 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ARCTIC CREDIT PARTNERS LIMITED→ 16662491 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ARGENT PREMIUM FINANCE LTD→ 05424264 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| ARGENTIL CAPITAL PARTNERS (UK) LIMITED→ 09488586 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ARGO CAPITAL MANAGEMENT LIMITED→ 04000274 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| ARGYLL COVENANT ADVISORY LIMITED→ 08670455 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ARGYLL FINANCIAL PLANNING LTD→ 15641341 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated2009-12-10
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
C/O Two Matts Llp
151 Wardour Street
London
W1F 8WE
England
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-12-24
Last: 2025-12-10
Officers (3 active · 0 resigned)
HARSUM, Michelle→
Activedirector · ~45y · appointed 2009-12-10
View their other companies + combined net worth →
HARSUM, Paul→
Activedirector · ~46y · appointed 2009-12-10
View their other companies + combined net worth →
MORLEY, Alex James Ford→
Activedirector · ~59y · appointed 2026-04-01
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (54 total)
memorandum-articles
incorporation · MA
2026-04-19
resolution
resolution · RESOLUTIONS
2026-04-19
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-04-02
appoint-person-director-company-with-name-date
officers · AP01
2026-04-02
capital-allotment-shares
capital · SH01
2026-01-13
capital-allotment-shares
capital · SH01
2026-01-05
change-person-director-company-with-change-date
officers · CH01
2025-12-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-24
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-08
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-11
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-14