CO-OPERATIVE INDEPENDENT FINANCIAL SOLUTIONS LTD
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 (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (21 events)Click to expand
- 2026-03-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-05-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-05-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-03-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-04-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-05-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-04-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2018-09-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-09-14➖MOSLEY, Charles Adam resigneddirector
- 2018-05-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-09-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-10-05📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-06-23📄annual-return-company-with-made-up-date-no-member-listannual-return · AR01
- 2015-10-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2013-04-06➕MOSLEY, Charles Adam appointeddirector
- 2013-04-05➖FLETCHER, Richard Harold resigneddirector
- 2012-04-27🏢Company incorporatedAs CO-OPERATIVE INDEPENDENT FINANCIAL SOLUTIONS LTD
- 2012-04-27➕MANN, Stuart appointeddirector
- 2012-04-27➕FLETCHER, Richard Harold appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- 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
cleanShareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Stuart James Mann Individual · British · DOB 11/1970 · age 56 | — | — | sig. influencesignificant influence | 18/06/2016 |
1 historic (ceased) PSC
- Mr Charles Adam Mosleyceased 14/09/2018· significant influence
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 →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
Registered office
Filing status
Officers (1 active · 2 resigned)
Click a director name to see their full track record across all companies.