ADG FINANCIAL CONSULTANTS LIMITED
💤Zombieactive
07932770 · ltd · incorporated 2012-02-01
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 79/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
4 live charges · 3 lenders · oldest 10.4y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 10.4 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
2 officers (1 active, 2 linked, 1 with DOB)
80
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
38 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
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
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 |
|---|---|---|
| Average employees | 300 | 300 |
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 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2025-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-01-31🔒Charge registered #4Lender: Keystone Property Finance Limited
- 2023-01-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-08📄capital-return-purchase-own-sharescapital · SH03
- 2022-09-06📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-09-05➖GIDDINGS, Emma resignedsecretary
- 2021-11-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-05-08🔒Charge registered #3Lender: Landbay Partners Limited
- 2018-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-30📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2018-08-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-01-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2015-12-17🔒Charge registered #2Lender: Lloyds Bank PLC
- 2015-12-14🔒Charge registered #1Lender: Lloyds Bank PLC
- 2012-02-01🏢Company incorporatedAs ADG FINANCIAL CONSULTANTS LIMITED
- 2012-02-01➕GIDDINGS, Andrew David Moy appointeddirector
- 2012-02-01➕GIDDINGS, Emma appointedsecretary
Owner dependency
83/100
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
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
68/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 14 years.
- 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.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew David Moy Giddings Individual · British · DOB 06/1966 · age 60 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
1 historic (ceased) PSC
- Mrs Emma Giddingsceased 20/04/2018· 25-50% shares · 25-50% voting
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 · SS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2579 LIMITED→ 16323172 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 33BLACKINVESTMENTS LIMITED→ 16783911 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 4WEALTH LIMITED→ 04668130 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| A BROWN MORTGAGE SERVICES LIMITED→ 10430525 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| A J LIFE LTD→ 15612782 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| A MERCHANT LIMITED→ 07169105 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| AB SPECIALIST FINANCE LTD→ 16620098 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACQUIRE MORTGAGES LTD→ 11133327 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| ADAM MURPHY CONSULTANCY LTD→ 15163577 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ADEPT ADVISORY SERVICES LIMITED→ 12631166 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ADR GROUP LIMITED→ 02876683 · est 1993 · no financials extracted | — | — | — | — | 32y | — | — |
| ADRG SERVICES LTD→ 11851599 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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 SIC66220 — Activities of insurance agents and brokers
Registered office
Hill Allen (Wickford) Ltd Office 1, Riverside Court
24 Lower Southend Road
Wickford
Essex
SS11 8AW
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-14
Last: 2025-10-31
Officers (1 active · 1 resigned)
GIDDINGS, Andrew David Moy→
Activedirector · ~60y · appointed 2012-02-01
View their other companies + combined net worth →
GIDDINGS, Emma→
Resignedsecretary · appointed 2012-02-01 · resigned 2022-09-05
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
4
Outstanding
3
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Keystone Property Finance Keystone Property Finance Limited | A registered charge | 2 properties | 31/01/2023 | — | |
| outstanding | Landbay Landbay Partners Limited | A registered charge | 1 property | 08/05/2019 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 17/12/2015 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 14/12/2015 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (38 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-04
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-02
capital-return-purchase-own-shares
capital · SH03
2022-09-08
termination-secretary-company-with-name-termination-date
officers · TM02
2022-09-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-11-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-22