123 BUSINESS SERVICES LTD

🌳Matureactive
07767666 · ltd · incorporated 2011-09-08
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 Feb 2025
Net worth
£30.4k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 68-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 68). 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
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
34 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
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 105 (micro)
Positive net assets
Net assets £30,378

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£30k
Current Assets
£162k
Current Liabilities
—
£0£32k£65k£97k£130k£162kFeb 2024Feb 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-02-282024-02-29
Total assets£137.1k—
Current assets£162.5k—
Net assets£30.4k—

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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2025-10-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-03-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-11-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-03-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-04-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2021-03-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2020-08-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-11-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2018-04-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2017-09-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2016-12-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2016-08-01
    ➕
    TOWLER, Petrina Anne appointed
    director
  13. 2016-08-01
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2015-11-16
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-10-26
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2014-11-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2013-08-01
    ➕
    TOWLER, Simon Andrew appointed
    director
  18. 2013-07-31
    ➖
    TOWLER, Petrina Anne resigned
    director
  19. 2011-09-08
    🏢
    Company incorporated
    As 123 BUSINESS SERVICES LTD
  20. 2011-09-08
    ➕
    TOWLER, Petrina Anne appointed
    director

Owner dependency

81/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 68 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

69/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 68. 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 13 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Ms Petrina Anne Towler
Individual · British · DOB 08/1958 · age 68
75–100%
—75-100% shares30/06/2016

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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07337153 · est 2010 · no financials extracted
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A.C. SOVEREIGN FINANCIAL SERVICES LIMITED→
05058278 · est 2004 · no financials extracted
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A1PHA SECURITY SERVICES LTD→
13753924 · est 2021 · no financials extracted
————4y——
AB FINANCIAL SERVICES LTD→
14928684 · est 2023 · no financials extracted
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ABACUS FX LIMITED→
11261103 · est 2018 · no financials extracted
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ABODE FINANCING LTD→
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ABS FINANCIAL PLANNING LIMITED→
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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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2011-09-08
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

The Old Carthouses
Broadlands
Romsey
Hampshire
SO51 9LQ
England

Filing status

Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2026-09-20
Last: 2025-09-06

Officers (2 active · 1 resigned)

TOWLER, Petrina Anne→
director · ~68y · appointed 2016-08-01
View their other companies + combined net worth →
Active
TOWLER, Simon Andrew→
director · ~42y · appointed 2013-08-01
View their other companies + combined net worth →
Active
TOWLER, Petrina Anne→
director · ~68y · appointed 2011-09-08 · resigned 2013-07-31
Resigned

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

Recent filings (34 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-18
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-08
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-06
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-04-23
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-08
accounts-with-accounts-type-micro-entity
accounts · AA
2020-08-25
accounts-with-accounts-type-micro-entity
accounts · AA
2019-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-03