ANICO FINANCIAL SERVICES LIMITED

🌳Matureactive
07372140 · ltd · incorporated 2010-09-10
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£35.4k
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 58). 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
10 officers (4 active, 10 linked, 4 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
67 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.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £35,437
Net assets shrinking
Down £56,443 YoY
Cash YoY
-23%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£149k
↓ 23% YoY
Net Worth
£35k
↓ 61% YoY
Current Assets
£1.8m
↑ 14% YoY
Current Liabilities
—
£0£364k£728k£1.1m£1.5m£1.8mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£54.8k£108.6k
Current assets£1.82M£1.60M
Cash£149.1k£194.1k
Debtors£1.67M£1.41M
Net assets£35.4k£91.9k

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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
  1. 2025-12-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-09-08
    ➕
    VILAR, Shirly Patao appointed
    secretary
  3. 2025-09-08
    ➕
    WINROW, Kristen Carmelle Hannah appointed
    secretary
  4. 2025-09-08
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  5. 2025-09-08
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  6. 2025-09-05
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  7. 2025-05-16
    ➖
    VENTURA, Cynthia resigned
    secretary
  8. 2024-11-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2024-01-25
    ➕
    VENTURA, Cynthia appointed
    secretary
  10. 2024-01-25
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  11. 2023-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2023-07-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2023-07-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2023-07-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2023-07-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  16. 2023-07-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  17. 2023-01-11
    📄
    memorandum-articles
    incorporation · MA
  18. 2023-01-11
    📄
    capital-allotment-shares
    capital · SH01
  19. 2023-01-11
    📄
    resolution
    resolution · RESOLUTIONS
  20. 2022-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2021-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2021-01-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2020-09-16
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  24. 2018-06-15
    ➖
    GAYLAN, Mary Grace resigned
    director
  25. 2018-03-09
    ➖
    GEATTI, Daniela resigned
    secretary
  26. 2017-04-05
    ➕
    GAYLAN, Mary Grace appointed
    director
  27. 2016-08-04
    ➖
    TROUT, Adam Christopher resigned
    director
  28. 2015-11-06
    ➕
    GEATTI, Daniela appointed
    secretary
  29. 2015-11-06
    ➖
    OLIVEROS, Madeline Ann Tan resigned
    secretary
  30. 2015-09-23
    ➕
    TROUT, Adam Christopher appointed
    director
  31. 2014-09-13
    ➖
    FULLER, Rebecca resigned
    secretary
  32. 2014-09-13
    ➕
    OLIVEROS, Madeline Ann Tan appointed
    secretary
  33. 2010-09-10
    🏢
    Company incorporated
    As ANICO FINANCIAL SERVICES LIMITED
  34. 2010-09-10
    ➕
    FULLER, Rebecca Shelley appointed
    director
  35. 2010-09-10
    ➕
    SARKAR, Amit Kumar appointed
    director
  36. 2010-09-10
    ➕
    FULLER, Rebecca appointed
    secretary

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

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 16 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

59/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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

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

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Amit Kumar Sarkar
Individual · British · DOB 12/1968 · age 58
25–50%
—25-50% shares06/04/2016
Rebecca Shelley Fuller
Individual · British · DOB 05/1970 · age 56
25–50%
—25-50% shares06/04/2016

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 →

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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
Incorporated2010-09-10
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

Unit 2.02 1 Filament Walk
London
SW18 4GQ
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-24
Last: 2025-09-10

Officers (4 active · 6 resigned)

VILAR, Shirly Patao→
secretary · appointed 2025-09-08
View their other companies + combined net worth →
Active
WINROW, Kristen Carmelle Hannah→
secretary · appointed 2025-09-08
View their other companies + combined net worth →
Active
FULLER, Rebecca Shelley→
director · ~56y · appointed 2010-09-10
View their other companies + combined net worth →
Active
SARKAR, Amit Kumar→
director · ~58y · appointed 2010-09-10
View their other companies + combined net worth →
Active
FULLER, Rebecca→
secretary · appointed 2010-09-10 · resigned 2014-09-13
Resigned
GEATTI, Daniela→
secretary · appointed 2015-11-06 · resigned 2018-03-09
Resigned
OLIVEROS, Madeline Ann Tan→
secretary · appointed 2014-09-13 · resigned 2015-11-06
Resigned
VENTURA, Cynthia→
secretary · appointed 2024-01-25 · resigned 2025-05-16
Resigned
GAYLAN, Mary Grace→
director · ~45y · appointed 2017-04-05 · resigned 2018-06-15
Resigned
TROUT, Adam Christopher→
director · ~38y · appointed 2015-09-23 · resigned 2016-08-04
Resigned

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

Recent filings (67 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-03
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-10
appoint-person-secretary-company-with-name-date
officers · AP03
2025-09-08
appoint-person-secretary-company-with-name-date
officers · AP03
2025-09-08
termination-secretary-company-with-name-termination-date
officers · TM02
2025-09-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-27
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-10
appoint-person-secretary-company-with-name-date
officers · AP03
2024-01-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-11
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-07-12
change-person-director-company-with-change-date
officers · CH01
2023-07-12
change-person-director-company-with-change-date
officers · CH01
2023-07-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-07-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-07-12