ESSENTIAL FINANCIAL SERVICES LIMITED
🌳Matureactive
07497773 · ltd · incorporated 2011-01-19
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 Jan 2025
Net worth
£7.1k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Tax consultancy
Sector: Professional, scientific & technical
Investor take
PursueAsset-holding vehicle with a 64-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
3 active PSC(s) of 5 total, 5 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
44 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
80
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 · accounting standard not declaredPositive net assets
Net assets £7,147
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£7k
↑ 1474% YoY
Current Assets
£9k
↑ 56% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £7.1k | £454 |
| Current assets | £9.1k | £5.8k |
| Net assets | £7.1k | £454 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
1
filing
- • 1 miscellaneous
Last 90 days
5
filings
- • 4 persons-with-significant-control
- • 1 miscellaneous
Last 180 days
5
filings
- • 4 persons-with-significant-control
- • 1 miscellaneous
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2026-05-01📄legacymiscellaneous · RPCH01
- 2026-03-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2026-03-26📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-03-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-03-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-10-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-18📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-11-27📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-10-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-10-10➕BAXENDALE, Simon John appointeddirector
- 2021-10-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-10-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-10-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-10-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2011-01-19🏢Company incorporatedAs ESSENTIAL FINANCIAL SERVICES LIMITED
- 2011-01-19➕BENTHAM, Julia appointeddirector
Owner dependency
81/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
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 15 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
- +No director turnover: Company is 15 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
79/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 15 years.
- secondaryStable-but-static management: Company is 15 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
The True Chartered Financial Planners Pension Scheme is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
The True Chartered Financial Planners Pension Scheme
Corporate parent · holds 75-100% shares
⬇
ESSENTIAL FINANCIAL SERVICES LIMITED
This company · 07497773
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
3 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
The True Chartered Financial Planners Pension Scheme Corporate entity | 75–100% | — | 75-100% shares · trust interest | 26/03/2026 |
Mr Simon John Baxendale Individual · British · DOB 12/1962 · age 64 | — | — | sig. influencesignificant influence | 26/03/2026 |
Mrs Julia Bentham Individual · British · DOB 06/1972 · age 54 | — | — | sig. influencesignificant influence | 26/03/2026 |
2 historic (ceased) PSCs
- The True Chartered Financial Planners Pension Schemeceased 26/03/2026· 75-100% shares
- Mrs Julia Benthamceased 23/11/2023· 75-100% shares
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
Active · Professional services · BL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 100 DAYS LEADERSHIP GROUP LIMITED→ 15206015 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 2020 MONITORING LIMITED→ 12605793 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 24 RECRUITMENT LIMITED→ 16007695 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 247 REWARDS LTD→ 16105573 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 3 THINGS CONSULTING LTD→ 11341642 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 4 SEASON EVENTS LTD→ 16136864 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 4X4&MORE LTD→ 15241934 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 52 DEGREES NORTHWEST LIMITED→ 15173949 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 5THREAD LTD→ 13050056 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| A&A2 ENGINEERING LTD→ 16393179 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AA CONSULTANTS (NW) LTD→ 12056563 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AAGS SOLUTIONS LIMITED→ 15618428 · 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
Incorporated2011-01-19
Jurisdictionengland-wales
Primary SIC69203 — Tax consultancy
Registered office
5 St Mary's Place
Bury
Lancashire
BL9 0DZ
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-06-18
Last: 2025-06-04
Officers (2 active · 0 resigned)
BAXENDALE, Simon John→
Activedirector · ~64y · appointed 2022-10-10
View their other companies + combined net worth →
BENTHAM, Julia→
Activedirector · ~54y · appointed 2011-01-19
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (44 total)
legacy
miscellaneous · RPCH01
2026-05-01
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-03-26
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-03-26
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-03-26
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-03-26
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-18
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-30
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-18
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-06-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2023-11-27
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-19
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-31
appoint-person-director-company-with-name-date
officers · AP01
2022-10-16