ARMSTRONG WATSON FINANCIAL PLANNING LTD

🌳Matureactive

07208672 · ltd · incorporated 2010-03-30

Investment thesis

Looks cheap but ownership + security both unclear — probable value trap.

Why interesting: Headline metrics may be attractive.

Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Activities of insurance agents and brokers

Sector: Financial & insurance

Investor take

Pursue

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

Opportunity 79/100 (strong), bankability 67/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

5 live charges · 4 lenders · oldest 11.9y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 11.9 years old — likely at or near maturity.
· 4 lenders named — inter-creditor friction likely.
· Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: low (51/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

5 charges (5/5 with lender, 5/5 with type)

Directors & officers

19 officers (8 active, 19 linked, 18 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

8 connected companies via shared directors

Filing history

84 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 2 officers
• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (58 events)Click to expand

2025-12-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-12-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-12-04
➕
MCGARVIE, Greig Alexander Barker appointed
director
2025-12-03
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-01
➕
SMITH, Melanie Dawn appointed
director
2025-11-19
📄
capital-allotment-shares
capital · SH01
2025-11-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-01
➕
POTTAGE, Martyn James appointed
director
2025-04-28
📄
resolution
resolution · RESOLUTIONS
2025-04-28
📄
memorandum-articles
incorporation · MA
2025-04-15
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-04
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-04
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-04
🔓
Charge satisfied #2
2025-04-02
🔒
Charge registered #5
Lender: Hsbc UK Bank PLC
2025-04-02
🔒
Charge registered #4
Lender: Hsbc UK Bank PLC
2024-12-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-29
➕
CROCKETT, Stewart appointed
director
2023-08-29
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-08-24
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-06-29
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-06-26
🔒
Charge registered #3
Lender: Evbl (General Partner Ev Sme Loans Ii) Limited Acting on Behalf of and in Its Capacity as General Partner to Ev Sme Loans Ii LP
2023-03-13
➕
FRIER, Mark Andrew appointed
director
2023-03-13
➕
ROURKE, Justin Richard appointed
director
2023-03-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-03-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-02-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-01-20
➖
LIGHTFOOT, Iain resigned
director
2022-12-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-12
📄
capital-return-purchase-own-shares
capital · SH03
2020-11-25
➖
SMITH, Grant Peter resigned
director
2019-11-08
➖
JAY, Paul Richard resigned
director
2018-09-13
➖
BATY, Derek Thomas resigned
director
2018-06-25
➕
LIGHTFOOT, Iain appointed
director
2018-05-01
➖
JOHNSTON, Alan James, Canon resigned
director
2017-11-03
➕
SMITH, Grant Peter appointed
director
2017-08-25
➖
UTTING, Helen Louise resigned
director
2017-06-30
➖
KILBY, Andrew John resigned
director
2016-09-06
🔓
Charge satisfied #1
2016-07-29
🔒
Charge registered #2
Lender: Santander UK PLC
2016-06-10
➕
BATY, Derek Thomas appointed
director
2015-10-12
➕
UTTING, Helen Louise appointed
director
2015-10-12
➖
UTTING, Helen Louise resigned
director
2014-06-16
🔒
Charge registered #1
Lender: National Westminster Bank PLC
2014-04-01
➕
UTTING, Helen Louise appointed
director
2014-03-30
➖
HUNSTON, John Richard resigned
secretary
2013-09-30
➖
UTTING, Helen Louise resigned
director
2011-09-01
➕
SQUIRE, David John appointed
director
2011-09-01
➕
JAY, Paul Richard appointed
director

Showing most recent 50 of 58 events

Owner dependency

58/100

Moderate — manageable with handover

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

FACTORS

-8 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.
+Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

53/100

Moderate signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
secondary12+ year tenure: Director in role 16 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

🔒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.

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Company details

Statusactive

Typeltd

Incorporated2010-03-30

Jurisdictionengland-wales

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

James Watson House Montgomery Way

Rosehill

Carlisle

Cumbria

CA1 2UU

United Kingdom

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-04-13

Last: 2026-03-30