GREAVES FINANCIAL SERVICES LTD

🌳Matureactive

07390414 · ltd · incorporated 2010-09-28

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

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 11.9y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

—

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 82-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (63/100, director aged 82). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 11.9y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 11.9 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

6 officers (5 active, 6 linked, 6 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

1 connected companies via shared directors

Filing history

51 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

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.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

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	2025-03-31	2024-03-31

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

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (27 events)Click to expand

2025-12-15
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-05-27
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-12-27
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-02-03
📄
mortgage-satisfy-charge-full
mortgage · MR04
2023-02-03
🔓
Charge satisfied #1
2023-01-09
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-08
📄
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2021-11-01
➕
GREAVES, Louis Francis appointed
director
2021-11-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-08-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-08
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-01-08
➖
GREAVES, Louis Francis resigned
director
2020-12-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-03-20
➕
GREAVES, Alan appointed
director
2020-03-20
➕
GREAVES, Margaret appointed
director
2020-03-20
➕
GREAVES, Louis Francis appointed
director
2020-03-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2020-03-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2020-03-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2019-11-18
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-10-26
📄
change-person-director-company-with-change-date
officers · CH01
2019-10-26
📄
change-person-director-company-with-change-date
officers · CH01
2019-06-14
📄
change-account-reference-date-company-previous-extended
accounts · AA01
2014-08-05
🔒
Charge registered #1
Lender: Metro Bank PLC
2010-09-28
🏢
Company incorporated
As GREAVES FINANCIAL SERVICES LTD
2010-09-28
➕
GREAVES, Emily appointed
director
2010-09-28
➕
GREAVES, James appointed
director

Owner dependency

88/100

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

-5 active directors: Broader management team in place — suggests transferable governance.
+Founder name in company name: Company name contains director surname "GREAVES" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 82 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

83/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 82 years old. Natural succession window is now.
secondary12+ year tenure: Director in role 16 years.
secondaryStable-but-static management: Company is 16 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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr James Greaves Individual · British · DOB 12/1975 · age 51	25–50%	25–50%	25-50% shares · 25-50% voting	28/09/2016
Mrs Emily Greaves Individual · American · DOB 10/1977 · age 49	25–50%	25–50%	25-50% shares · 25-50% voting	28/09/2016

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.

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Similar companies

Active · Financial services · YO postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
DVAM LTD→ 15951379 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
FINANCIAL WEALTH SOLUTIONS LIMITED→ 09688906 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
FIRST SOVEREIGN PROJECTS LIMITED→ 12591799 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
FLAXTON FINANCE LIMITED→ 01876041 · est 1985 · no financials extracted	—	—	—	—	41y	—	—
GLANIMOORE LIMITED→ 13257833 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
GRIMSTON MANAGEMENT LIMITED→ 11029848 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
GROW INVEST LTD→ 13304561 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
GROWTH PARTNER VENTURES LIMITED→ 15581319 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
GW FINANCIAL MANAGEMENT LTD→ 07937117 · est 2012 · no financials extracted	—	—	—	—	14y	—	—
GWS FINANCIAL PLANNING LIMITED→ 16494820 · est 2025 · no financials extracted	—	—	—	—	—	—	—
HAL NOMINEE 1 LIMITED→ 13787410 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
HAL NOMINEE 2 LIMITED→ 13789508 · est 2021 · no financials extracted	—	—	—	—	4y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2010-09-28

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Jws Hopper Hill Road

Scarborough Business Park

Scarborough

North Yorkshire

YO11 3YS

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-10-12

Last: 2025-09-28