ALL FINANCIAL ADVICE LTD

💤Zombieactive
08002906 · ltd · incorporated 2012-03-23
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.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
Upgrade to see
Turnover
year to Mar 2026
Net worth
book net assets
Opportunity
74/100
Strong
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: high (84/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
3 years of iXBRL accounts extracted + narrative notes parsed
95
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
36 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

3 years extracted from filed iXBRL accounts
Cash
Net Worth
Current Assets
Current Liabilities
£0£0£0£0£0£0Mar 2024Mar 2025Mar 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-03-312025-03-312024-03-31

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
1
filing
  • 1 accounts
Last 180 days
2
filings
  • 1 accounts
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2026-05-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-05-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-10-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-05-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-06-07
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  6. 2022-06-07
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  7. 2022-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-04-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2020-09-09
    LAWRENCE, Olivia Jayne resigned
    director
  10. 2020-09-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2020-04-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2019-10-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2019-05-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2018-05-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2017-11-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2016-05-04
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2015-03-24
    LAWRENCE, Olivia Jayne appointed
    director
  18. 2012-03-23
    🏢
    Company incorporated
    As ALL FINANCIAL ADVICE LTD
  19. 2012-03-23
    LAWRENCE, Andrew appointed
    director

Owner dependency

75/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

58/100
Strong succession signal

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

SIGNALS
  • 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

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
NameSharesVoting rightsNature of controlNotified
Mr Andrew Lawrence
Individual · British · DOB 01/1978 · age 48
2550%
25–50%25-50% shares · 25-50% voting23/03/2017
Mrs Olivia Jayne Lawrence
Individual · British · DOB 10/1980 · age 46
2550%
25–50%25-50% shares · 25-50% voting23/03/2017

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2012-03-23
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

R M Locking & Co J W S Hopper Hill Road
Scarborough Business Park
Scarborough
North Yorkshire
YO11 3YS

Filing status

Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-04-06
Last: 2026-03-23

Officers (1 active · 1 resigned)

LAWRENCE, Andrew
director · ~48y · appointed 2012-03-23
View their other companies + combined net worth →
Active
LAWRENCE, Olivia Jayne
director · ~46y · appointed 2015-03-24 · resigned 2020-09-09
Resigned

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

Recent filings (36 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-05
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-27
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-21
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-25
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-18
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-26
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-01
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-23
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2022-06-07
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2022-06-07
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-29
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-23
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-09
confirmation-statement-with-updates
confirmation-statement · CS01
2021-03-24
termination-director-company-with-name-termination-date
officers · TM01
2020-09-09