FINANCIAL OPTIONS WEALTH MANAGEMENT LIMITED

🌳Matureactive

07654078 · ltd · incorporated 2011-06-01

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

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jun 2025

Net worth

£801.1k

book net assets

Opportunity

76/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 76/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: high (83/100)

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

Confirmed no charges registered

Directors & officers

3 officers (2 active, 3 linked, 3 with DOB)

Ownership & PSC

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

Director network

14 connected companies via shared directors

Filing history

47 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

76/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Positive net assets

Net assets £801,119

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£801k

↑ 14% YoY

Current Assets

£508k

↑ 8.4% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-06-30	2024-06-30
Total assets	£801.1k	£700.5k
Current assets	£508.3k	£469.0k
Net assets	£801.1k	£700.5k

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

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (21 events)Click to expand

2025-08-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-02
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-19
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-11-18
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-10-02
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-06-12
📄
change-person-director-company-with-change-date
officers · CH01
2019-03-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-10-25
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2018-10-25
📄
change-person-director-company-with-change-date
officers · CH01
2018-08-13
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2018-06-07
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2018-06-07
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2018-05-17
📄
change-person-director-company-with-change-date
officers · CH01
2018-05-17
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2011-08-01
➕
LLOYD, Sarah appointed
director
2011-06-07
➕
PEPPER, Christian John appointed
director
2011-06-01
🏢
Company incorporated
As FINANCIAL OPTIONS WEALTH MANAGEMENT LIMITED
2011-06-01
➕
JACOBS, Yomtov Eliezer appointed
director
2011-06-01
➖
JACOBS, Yomtov Eliezer resigned
director

Owner dependency

68/100

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 15 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

59/100

Strong succession signal

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

SIGNALS

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

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 Christian John Pepper Individual · British · DOB 01/1973 · age 53	50–75%	50–75%	50-75% shares · 50-75% voting	31/05/2017
Mrs Sarah Lloyd Individual · British · DOB 02/1977 · age 49	25–50%	25–50%	25-50% shares · 25-50% voting	31/05/2017

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 · Financial services · BL postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BLACKCROWN INVESTMENTS LIMITED→ 16963321 · est 2026 · no financials extracted	—	—	—	—	—	—	—
CONNECT BROKERS LIMITED→ 11365141 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
DAVID MORRIS FINANCE LIMITED→ 06981985 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
DOCTOR SPEX LIMITED→ 11661951 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
FAST TRACK PCP LTD→ 16291774 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
FIRESTONE LEGAL LTD→ 15262244 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
FIRST STEP (UK) LIMITED→ 05326038 · est 2005 · no financials extracted	—	—	—	—	21y	—	—
FLUENT LIFETIME LIMITED→ 11226852 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
FLUENT MONEY LIMITED→ 06200496 · est 2007 · no financials extracted	—	—	—	—	19y	—	—
FLUENT MORTGAGES HORWICH LTD→ 14127588 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
FOCUSSED RETAIL DATA SOLUTIONS LIMITED→ 10504117 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
FOUR PROJECTS LTD→ 10945172 · est 2017 · no financials extracted	—	—	—	—	8y	—	—

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

Incorporated2011-06-01

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

70 Market Street

Tottington

Bury

BL8 3LJ

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2027-05-07

Last: 2026-04-23

Officers (2 active · 1 resigned)

LLOYD, Sarah→

director · ~49y · appointed 2011-08-01

View their other companies + combined net worth →

Active

PEPPER, Christian John→

director · ~53y · appointed 2011-06-07

View their other companies + combined net worth →

Active

JACOBS, Yomtov Eliezer→

director · ~56y · appointed 2011-06-01 · resigned 2011-06-01

Resigned

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