ALLAN JAMES FINANCIAL SERVICES LIMITED

🌳Matureactive

08238247 · ltd · incorporated 2012-10-03

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 Dec 2025

Net worth

£61.0k

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Financial management

Sector: Professional, scientific & technical

Investor take

Pursue

Asset-holding vehicle. Family succession underway — not a classic acquisition target.

Opportunity 79/100 (strong), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -73% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).

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

Lenders & charges

Confirmed no charges registered

Directors & officers

6 officers (5 active, 6 linked, 6 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

1 connected companies via shared directors

Filing history

47 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £60,965

Net assets shrinking

Down £120,542 YoY

Cash draining

Cash down 73% YoY

Cash YoY

-73%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£5k

↓ 73% YoY

Net Worth

£61k

↓ 66% YoY

Current Assets

£368k

↓ 12% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-12-31	2024-12-31
Total assets	£184.3k	£318.1k
Current assets	£368.0k	£416.5k
Cash	£5.1k	£19.1k
Debtors	£362.9k	£397.5k
Net assets	£61.0k	£181.5k

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

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (27 events)Click to expand

2026-03-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-24
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-07-24
📄
change-person-director-company-with-change-date
officers · CH01
2024-03-07
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-03-07
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2023-12-19
➕
STANLEY, John Stephen appointed
director
2023-12-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-09-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-01-25
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-25
📄
change-person-director-company-with-change-date
officers · CH01
2023-01-25
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-01-25
📄
change-person-director-company-with-change-date
officers · CH01
2023-01-25
📄
change-person-director-company-with-change-date
officers · CH01
2022-12-31
➕
JAMES, Sophie Olivia appointed
director
2022-05-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-15
📄
change-person-director-company-with-change-date
officers · CH01
2021-03-15
📄
change-person-director-company-with-change-date
officers · CH01
2015-04-29
➖
JAMES, Tamara Luisa resigned
director
2013-08-05
➕
JAMES, Ashley David Thomas appointed
director
2013-04-06
➕
STANLEY, Natalie Luisa appointed
director
2012-10-03
🏢
Company incorporated
As ALLAN JAMES FINANCIAL SERVICES LIMITED
2012-10-03
➕
JAMES, Allan David appointed
director
2012-10-03
➕
JAMES, Tamara Luisa appointed
director

Owner dependency

71/100

High — earn-out structure required

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

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Founder name in company name: Company name contains director surname "JAMES" — strong identity link between founder and business.
+Senior director age: Director aged approximately 60 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Ajfs Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Ajfs Holdings Ltd

Corporate parent · holds 75-100% shares

ultimate parent

⬇

ALLAN JAMES FINANCIAL SERVICES LIMITED

This company · 08238247

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

2 active beneficial owners · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Ajfs Holdings Ltd Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	20/02/2024
Mr Allan David James Individual · British · DOB 03/1966 · age 60	—	—	sig. influencesignificant influence	06/04/2016

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 · Professional services · WS postcode area

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ALEXANDRINI LIMITED→ 12992280 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
AM 2 PM RECRUITMENT SERVICES LIMITED→ 11279036 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
AM ADVISORY LTD.→ 10407122 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
AMAAN'S CARZ LIMITED→ 11289922 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
AMARI CENTRAL SERVICES LTD→ 15123744 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
AMARI METALS LIMITED→ 02023155 · est 1986 · no financials extracted	—	—	—	—	39y	—	—
AMETHYST MARKETING LTD→ 08317180 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
AMF SERVICES60 LTD→ 16993579 · est 2026 · no financials extracted	—	—	—	—	—	—	—
AMG PROPERTY SERVICES LTD→ 12138801 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
AMH RECRUITMENT LTD→ 16703272 · est 2025 · no financials extracted	—	—	—	—	—	—	—
AMI AUTOMATION LTD→ 16721454 · est 2025 · no financials extracted	—	—	—	—	—	—	—
AMIK CONSULTANCY LTD→ 17009902 · est 2026 · no financials extracted	—	—	—	—	—	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

6 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.

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Company details

Statusactive

Typeltd

Incorporated2012-10-03

Jurisdictionengland-wales

Primary SIC70221 — Financial management

Registered office

Brookhay Meadows Brookhay Lane

Fradley

Lichfield

Staffordshire

WS13 8RL

England

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2027-03-10

Last: 2026-02-24