ANDREW HARROD FINANCIAL SERVICES LTD
💤Zombieactive
08109370 · ltd · incorporated 2012-06-18
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 Jun 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 66-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 66). 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: 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
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
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.
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 | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Average employees | 200 | 200 |
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
- 2025-10-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-01-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-11-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-01-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-06-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2017-06-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2017-03-03📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-07-08📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-04-21📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2015-09-28📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-06-24📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-03-06➖HARROD, Angela resigneddirector
- 2012-06-18🏢Company incorporatedAs ANDREW HARROD FINANCIAL SERVICES LTD
- 2012-06-18➕HARROD, Andrew appointeddirector
- 2012-06-18➕HARROD, Angela appointeddirector
Owner dependency
100/100
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.
- +Founder name in company name: Company name contains director surname "HARROD" — strong identity link between founder and business.
- +Founder age: Director aged approximately 66 — succession pressure is live.
Succession & seller-readiness
78/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Harrod Individual · British · DOB 10/1960 · age 66 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 19/06/2016 |
Mrs Angela Harrod Individual · British · DOB 08/1963 · age 63 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 19/06/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| A2B FINANCIAL SOLUTIONS LIMITED→ 11607552 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AGENTS OF TIME- FINANCIAL PLANNING LTD→ 12337687 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AH MORTGAGE CO LIMITED→ 17109616 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AISLING SHEEDY LTD→ 14485737 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AL SUHOOL AL MUZDAHIRA AL JADEEDA FOR INVESTMENT LTD→ 16920101 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AL-BARASEEN FOR CONTRACTING AND GENERAL TRADING LTD→ 16902136 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALDBOROUGH FINANCE LIMITED→ 02081224 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
| ALGRA STAMRECHT LTD→ 06546392 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| ALLIANCE PROPERTY FINANCE LIMITED→ 14441524 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ALPHA ASSETABLE LTD→ 15755299 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ANDREW RUSSELL LIMITED→ 11566715 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ANIS AND FAMILY LTD→ 15280355 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated2012-06-18
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
12 Dunholme Road
Gainsborough
Lincs
DN21 1XJ
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-07-02
Last: 2025-06-18
Officers (1 active · 1 resigned)
HARROD, Andrew→
Activedirector · ~66y · appointed 2012-06-18
View their other companies + combined net worth →
HARROD, Angela→
Resigneddirector · ~43y · appointed 2012-06-18 · resigned 2013-03-06
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
2025-10-27
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-19
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-23
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-26
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-28
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-19
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-25
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-20
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-01
confirmation-statement-with-updates
confirmation-statement · CS01
2021-06-18
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-06-18
accounts-with-accounts-type-micro-entity
accounts · AA
2020-01-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-07-02
accounts-with-accounts-type-micro-entity
accounts · AA
2018-11-01