AJD FINANCIAL SOLUTIONS LTD

🌳Matureactive
08233869 · ltd · incorporated 2012-09-28
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£16.3k
book net assets
Opportunity
78/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 65-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

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, 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 (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
28 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.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £16,344

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£16k
↑ 80% YoY
Current Assets
£14k
↑ 226% YoY
Current Liabilities
—
£0£3k£7k£10k£13k£16kSept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-09-302024-09-30
Total assets£16.3k£9.1k
Current assets£14.2k£4.4k
Net assets£16.3k£9.1k

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
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
  1. 2026-05-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-06-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-12-04
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  4. 2024-12-01
    ➕
    DIBLEY, Karen appointed
    director
  5. 2024-04-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2023-08-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-06-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2021-06-24
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2020-09-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2019-06-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2018-06-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2017-06-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-06-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2015-10-16
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-06-17
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2014-10-24
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2012-09-28
    🏢
    Company incorporated
    As AJD FINANCIAL SOLUTIONS LTD
  18. 2012-09-28
    ➕
    DIBLEY, Andrew Joseph appointed
    director

Owner dependency

86/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 14 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

69/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Andrew Joseph Dibley
Individual · British · DOB 10/1961 · age 65
75–100%
75–100%board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · firm interest30/06/2016

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 · M postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
ABRIDGE FINANCE LTD→
12399889 · est 2020 · no financials extracted
————6y——
AEC CONSULTANCY LIMITED→
16221763 · est 2025 · no financials extracted
————1y——
AIP WEALTH MANAGEMENT LIMITED→
10000279 · est 2016 · no financials extracted
————10y——
AIRSWIFT TRUSTEES LIMITED→
12449892 · est 2020 · no financials extracted
————6y——
AJ BELL ASSET MANAGEMENT LIMITED→
09742568 · est 2015 · no financials extracted
————10y——
AJ BELL BUSINESS SOLUTIONS LIMITED→
03091664 · est 1995 · no financials extracted
————30y——
AJ BELL DIGITAL SAVINGS LIMITED→
11180432 · est 2018 · no financials extracted
————8y——
AJ BELL MANAGEMENT LIMITED→
03948391 · est 2000 · no financials extracted
————26y——
AJIS CAPITAL LIMITED→
07675547 · est 2011 · no financials extracted
————14y——
AJM FINANCIAL SOLUTIONS LTD→
13267458 · est 2021 · no financials extracted
————5y——
AKBANI FINANCIAL LTD→
13021559 · est 2020 · no financials extracted
————5y——
AKHONDZADA GROUP LTD→
14346597 · est 2022 · no financials extracted
————3y——
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
Incorporated2012-09-28
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

12 Creaton Way
Middleton
Manchester
M24 5JY

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-10-12
Last: 2025-09-28

Officers (2 active · 0 resigned)

DIBLEY, Andrew Joseph→
director · ~65y · appointed 2012-09-28
View their other companies + combined net worth →
Active
DIBLEY, Karen→
director · ~63y · appointed 2024-12-01
View their other companies + combined net worth →
Active

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

Recent filings (28 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-02
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-24
appoint-person-director-company-with-name-date
officers · AP01
2024-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-09
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-02
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-06-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-06-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-01
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-01