THE MONEY ADVICE SERVICE

💤Zombieactive
07172704 · private-limited-guarant-nsc-limited-exemption · incorporated 2010-03-01
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
78/100
Strong
🔔
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What this business does
Primary activity: Other information service activities n.e.c.
Sector: Information & communication
Investor take
Pursue
Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (57/100)

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
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
34 officers (1 active, 34 linked, 30 with DOB)
88
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
122 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (86 events)Click to expand
  1. 2026-05-09
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  2. 2025-06-09
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  3. 2024-09-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2024-08-06
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  5. 2024-04-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  6. 2024-03-31
    ➖
    HARRIS, Ann Whyte resigned
    director
  7. 2024-03-26
    ➕
    SINGH, Malvinder appointed
    director
  8. 2024-03-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2024-02-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2024-01-26
    ➖
    SIARKIEWICZ, Caroline Mary resigned
    director
  11. 2023-12-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2023-09-19
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  13. 2022-07-12
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  14. 2021-10-19
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  15. 2021-02-09
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  16. 2020-10-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2020-10-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2020-10-01
    ➕
    HARRIS, Ann Whyte appointed
    director
  19. 2020-09-30
    ➖
    DAILLY, Michael Ronald resigned
    director
  20. 2020-09-25
    ➖
    CLEWER, Michelle resigned
    secretary
  21. 2020-09-25
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  22. 2020-03-03
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  23. 2019-12-24
    📄
    accounts-with-accounts-type-full
    accounts · AA
  24. 2019-08-07
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  25. 2019-06-20
    ➕
    SIARKIEWICZ, Caroline Mary appointed
    director
  26. 2019-06-14
    ➖
    GOVETT, John Robert resigned
    director
  27. 2019-01-01
    ➕
    GOVETT, John Robert appointed
    director
  28. 2018-12-31
    ➖
    BRISCOE, Andrew Mark resigned
    director
  29. 2018-12-31
    ➖
    BRUCE, Nicola Gail Alexndra resigned
    director
  30. 2018-12-31
    ➖
    COUNSELL, Charles resigned
    director
  31. 2018-12-31
    ➖
    FAWCETT, Caroline Elizabeth resigned
    director
  32. 2018-12-31
    ➖
    MORSON, Christopher resigned
    director
  33. 2018-12-31
    ➖
    PENBERTHY-SMITH, John William resigned
    director
  34. 2018-12-31
    ➖
    SKINNER, Robert George resigned
    director
  35. 2018-06-30
    ➖
    WHEELER, Sheila Majella resigned
    director
  36. 2018-04-03
    ➖
    HAIGH, David resigned
    director
  37. 2018-01-03
    ➖
    DOUGLAS, Jonathan David resigned
    director
  38. 2018-01-03
    ➖
    HUGHES, Richard resigned
    director
  39. 2017-07-02
    ➖
    LOCKE, Stephen Anthony John resigned
    director
  40. 2017-06-05
    ➕
    COUNSELL, Charles appointed
    director
  41. 2017-06-02
    ➖
    ROOKES, Caroline Mary resigned
    director
  42. 2016-07-01
    ➕
    WHEELER, Sheila Majella appointed
    director
  43. 2015-12-09
    ➖
    EDMANS, Laurence Michael resigned
    director
  44. 2015-10-30
    ➕
    CLEWER, Michelle appointed
    secretary
  45. 2015-10-30
    ➖
    ROBINSON, Lesley Johann resigned
    secretary
  46. 2015-10-30
    ➖
    ROBINSON, Lesley Johann resigned
    director
  47. 2015-09-01
    ➕
    MORSON, Christopher appointed
    director
  48. 2015-06-01
    ➕
    HAIGH, David appointed
    director
  49. 2015-06-01
    ➕
    PENBERTHY-SMITH, John William appointed
    director
  50. 2015-04-01
    ➕
    BRUCE, Nicola Gail Alexndra appointed
    director
Showing most recent 50 of 86 events

Owner dependency

90/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

65/100
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.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Money And Pensions Service holds 25-50% — a significant corporate investor but not a controlling parent.

🏛️
Money And Pensions Service
Corporate parent · board control
⬇
THE MONEY ADVICE SERVICE
This company · 07172704

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Money And Pensions Service
Corporate entity
——board controlboard control · firm interest01/01/2019
1 historic (ceased) PSC
  • The Financial Conduct Authorityceased 31/12/2018· board control

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

8 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
Typeprivate-limited-guarant-nsc-limited-exemption
Incorporated2010-03-01
Jurisdictionengland-wales
Primary SIC63990 — Other information service activities n.e.c.

Registered office

Money & Pensions Serive Borough Hall
Cauldwell Street
Bedford
MK42 9AB
England

Filing status

Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-01-15
Last: 2026-01-01

Officers (1 active · 33 resigned)

SINGH, Malvinder→
director · ~65y · appointed 2024-03-26
View their other companies + combined net worth →
Active
CLEWER, Michelle→
secretary · appointed 2015-10-30 · resigned 2020-09-25
Resigned
QUIRKE, Janet Alison→
secretary · appointed 2010-10-05 · resigned 2011-12-16
Resigned
ROBINSON, Lesley Johann→
secretary · appointed 2012-01-20 · resigned 2015-10-30
Resigned
STRONG, Claire Jane→
secretary · appointed 2010-03-01 · resigned 2010-10-05
Resigned
BRISCOE, Andrew Mark→
director · ~66y · appointed 2013-09-27 · resigned 2018-12-31
Resigned
BROUGHTON, Karen Fiona→
director · ~57y · appointed 2012-01-20 · resigned 2014-08-31
Resigned
BROWN, Kenneth Iain→
director · ~74y · appointed 2010-03-01 · resigned 2011-01-04
Resigned
BRUCE, Nicola Gail Alexndra→
director · ~57y · appointed 2015-04-01 · resigned 2018-12-31
Resigned
COUNSELL, Charles→
director · ~62y · appointed 2017-06-05 · resigned 2018-12-31
Resigned
DAILLY, Michael Ronald→
director · ~58y · appointed 2015-04-01 · resigned 2020-09-30
Resigned
DAVIDSON, Janet Amanda Margaret→
director · ~71y · appointed 2010-04-22 · resigned 2011-01-04
Resigned
DOUGLAS, Jonathan David→
director · ~56y · appointed 2011-01-04 · resigned 2018-01-03
Resigned
EDMANS, Laurence Michael→
director · ~78y · appointed 2011-01-04 · resigned 2015-12-09
Resigned
FAWCETT, Caroline Elizabeth→
director · ~67y · appointed 2015-04-01 · resigned 2018-12-31
Resigned
FIANDER, Mark Robert→
director · ~56y · appointed 2012-01-20 · resigned 2014-12-19
Resigned
GOVETT, John Robert→
director · ~66y · appointed 2019-01-01 · resigned 2019-06-14
Resigned
HAIGH, David→
director · ~49y · appointed 2015-06-01 · resigned 2018-04-03
Resigned
HARRIS, Ann Whyte→
director · ~72y · appointed 2020-10-01 · resigned 2024-03-31
Resigned
HOBMAN, Anthony Hugh Burton→
director · ~71y · appointed 2010-05-17 · resigned 2013-01-01
Resigned

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

Recent filings (122 total)

accounts-with-accounts-type-dormant
accounts · AA
2026-05-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-05
accounts-with-accounts-type-dormant
accounts · AA
2025-06-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-09-09
accounts-with-accounts-type-dormant
accounts · AA
2024-08-06
termination-director-company-with-name-termination-date
officers · TM01
2024-04-03
appoint-person-director-company-with-name-date
officers · AP01
2024-03-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-14
termination-director-company-with-name-termination-date
officers · TM01
2024-02-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-12-14
accounts-with-accounts-type-dormant
accounts · AA
2023-09-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-08
accounts-with-accounts-type-dormant
accounts · AA
2022-07-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-01