HERTS FINANCIAL SERVICES LIMITED
🌳Matureactive
07932735 · ltd · incorporated 2012-02-01
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 Feb 2025
Net worth
£130.8k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 74-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -32% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (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
5 officers (2 active, 5 linked, 5 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
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 £130,785
Net assets shrinking
Down £47,588 YoY
Cash YoY
-32%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£138k
↓ 32% YoY
Net Worth
£131k
↓ 27% YoY
Current Assets
£182k
↓ 24% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-02-28 | 2024-02-29 |
|---|---|---|
| Total assets | £131.7k | £178.9k |
| Current assets | £181.6k | £237.5k |
| Cash | £137.8k | £203.9k |
| Debtors | £43.7k | £33.6k |
| Net assets | £130.8k | £178.4k |
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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2025-11-10📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-11-07📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-11-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-11-15📄change-person-director-company-with-change-dateofficers · CH01
- 2023-10-12📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-07-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-07-22📄capital-allotment-sharescapital · SH01
- 2022-07-06📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2021-05-13📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-02-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-02-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-02-09📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-11-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-11-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-11-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-11-16➕COLEMAN, Sharon Michelle appointeddirector
- 2020-11-16➕GELMAN, Harvey appointeddirector
- 2020-11-16➖COLEMAN, Stephen Paul resigneddirector
- 2020-10-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-11-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-02-28➖ROBERTS, Christopher John resigneddirector
- 2012-02-01🏢Company incorporatedAs HERTS FINANCIAL SERVICES LIMITED
- 2012-02-01➕COLEMAN, Stephen Paul appointeddirector
- 2012-02-01➕KAHAN, Barbara appointeddirector
- 2012-02-01➖KAHAN, Barbara resigneddirector
- 2012-02-01➕ROBERTS, Christopher John appointeddirector
Owner dependency
73/100
High — earn-out structure requiredMaterial 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.
- +Founder age: Director aged approximately 74 — succession pressure is live.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo 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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Sharon Michelle Coleman Individual · British · DOB 09/1958 · age 68 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 30/11/2020 |
2 historic (ceased) PSCs
- Mr Stephen Paul Colemanceased 16/11/2020· 75-100% shares · 75-100% voting
- Mr Christopher John Robertsceased 01/03/2019· 75-100% shares · 75-100% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · SG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| EUCO LTD→ 11347932 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| GB FINANCIAL SOLUTIONS LIMITED→ 13304503 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| GREEN SWAN FINANCIAL LTD→ 15335567 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| GREENFIELD ENERGY LIMITED→ 13724300 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| GWB FINANCIAL SERVICES LTD→ 11030537 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| HILL BROTHERS HOLDINGS LIMITED→ 12900434 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| HOLLIN GREEN LTD→ 16269567 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| HOMEBUYERS CONSULTANTS LIMITED→ 06353927 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| HONEST FINANCE LIMITED→ 10108023 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| HORNETS ENTERPRISES LIMITED→ 10202063 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| HP FINANCE & LEASING LIMITED→ 11706790 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| HTH FINANCE LIMITED→ 10205544 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2012-02-01
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
Belfry House
Bell Lane
Hertford
Hertfordshire
SG14 1BP
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-02-16
Last: 2026-02-02
Officers (2 active · 3 resigned)
COLEMAN, Sharon Michelle→
Activedirector · ~68y · appointed 2020-11-16
View their other companies + combined net worth →
GELMAN, Harvey→
Activedirector · ~74y · appointed 2020-11-16
View their other companies + combined net worth →
COLEMAN, Stephen Paul→
Resigneddirector · ~70y · appointed 2012-02-01 · resigned 2020-11-16
KAHAN, Barbara→
Resigneddirector · ~95y · appointed 2012-02-01 · resigned 2012-02-01
ROBERTS, Christopher John→
Resigneddirector · ~76y · appointed 2012-02-01 · resigned 2019-02-28
Click a director name to see their full track record across all companies.
Recent filings (49 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-11-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-04
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-11-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-15
change-person-director-company-with-change-date
officers · CH01
2023-11-15
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-10-12
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-07-26
capital-allotment-shares
capital · SH01
2022-07-22
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2022-07-06
confirmation-statement-with-updates
confirmation-statement · CS01
2022-02-07
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-05-13
confirmation-statement-with-updates
confirmation-statement · CS01
2021-04-07