CURWINS FINANCIAL & MORTGAGE ADVISERS LTD
💤Zombieactive
08214163 · ltd · incorporated 2012-09-13
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 Dec 2024
Net worth
£26.9k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle 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: Deleverage or restructure. Leverage at 100% of assets — consider sale of non-core assets or equity injection. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (77/100)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
4 officers (1 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
38 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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £26,930
High leverage
Liabilities are 100% of total assets
Leverage
100%
Liabilities / Total assets
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£27k
↑ 28% YoY
Current Assets
£25k
↑ 33% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £28.0k | £21.1k |
| Current assets | £25.4k | £19.2k |
| Net assets | £26.9k | £21.1k |
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 (23 events)Click to expand
- 2025-07-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-03📄change-person-director-company-with-change-dateofficers · CH01
- 2023-07-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-08-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-09-01➖STOKES, Andrea Elizabeth resigneddirector
- 2021-08-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-04-01📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-04-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-03-31➖WINTERS, David resigneddirector
- 2020-09-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-09-01➕STOKES, Andrea Elizabeth appointeddirector
- 2020-06-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-06-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-06-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-06-15➖WINTERS, Jacqueline Elaine resignedsecretary
- 2012-09-13🏢Company incorporatedAs CURWINS FINANCIAL & MORTGAGE ADVISERS LTD
- 2012-09-13➕STOKES, Paul appointeddirector
- 2012-09-13➕WINTERS, Jacqueline Elaine appointedsecretary
- 2012-09-13➕WINTERS, David appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial 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 signalMultiple 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
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 |
|---|---|---|---|---|
Mrs Andrea Elizabeth Stokes Individual · British · DOB 07/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 31/03/2021 |
Mr Paul Stokes Individual · British · DOB 02/1969 · age 57 | 25–50% | — | 25-50% shares | 06/04/2016 |
1 historic (ceased) PSC
- Mr David Wintersceased 31/03/2021· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · PL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CHRIS NEWTON MORTGAGE SERVICES LIMITED→ 08891809 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| FIRE PREVENTION GROUP LTD→ 11070120 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| FRONTIER FUTURES LTD→ 15280637 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| FUTURE STRATEGY LIMITED→ 07768919 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| GHL SUBCO LIMITED→ 10265084 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| GMP INVESTMENTS WELLS LIMITED→ 16906631 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GOODMANS FINANCIAL PLANNING LTD→ 06892778 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| GRASSHOPPER CORPORATION LIMITED→ 08690021 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| GURU ADVISORY SERVICES LTD→ 14655582 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| HELEN JANE LIMITED→ 04821147 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| HOLMAN FINANCE INTERNATIONAL LIMITED→ 11758466 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| HORIZON ESTATE PLANNING LTD→ 10625489 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2012-09-13
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
2 Houldsworth Rd
Oreston
Plymouth
Devon
PL9 7PU
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-04-15
Last: 2026-04-01
Officers (1 active · 3 resigned)
STOKES, Paul→
Activedirector · ~57y · appointed 2012-09-13
View their other companies + combined net worth →
WINTERS, Jacqueline Elaine→
Resignedsecretary · appointed 2012-09-13 · resigned 2017-06-15
STOKES, Andrea Elizabeth→
Resigneddirector · ~53y · appointed 2020-09-01 · resigned 2021-09-01
WINTERS, David→
Resigneddirector · ~73y · appointed 2012-09-13 · resigned 2021-03-31
Click a director name to see their full track record across all companies.
Recent filings (38 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-09
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-15
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-01
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-02
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-17
change-person-director-company-with-change-date
officers · CH01
2023-07-03
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-07-03
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-04
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-03
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-16
termination-director-company-with-name-termination-date
officers · TM01
2021-09-13
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-26
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-04-01
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2021-04-01