ANDREW HUGHES WEALTH MANAGEMENT CYF

🌳Matureactive
08245086 · ltd · incorporated 2012-10-09
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 8.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£370.9k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 79/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 8.1y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 8.1 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
33 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
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
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £370,861
Cash YoY
+70%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£245k
↑ 70% YoY
Net Worth
£371k
↑ 65% YoY
Current Assets
£357k
↑ 59% YoY
Current Liabilities
—
£0£74k£148k£223k£297k£371kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£376.0k£267.1k
Current assets£356.8k£224.5k
Cash£244.8k£143.6k
Debtors£112.0k£80.9k
Net assets£370.9k£225.2k

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
4
filings
  • • 3 persons-with-significant-control
  • • 1 officers
Last 180 days
4
filings
  • • 3 persons-with-significant-control
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2026-04-17
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  2. 2026-04-17
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  3. 2026-04-17
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  4. 2026-04-17
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  5. 2026-04-01
    ➕
    WAREING, Robert Andrew appointed
    director
  6. 2025-08-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2025-04-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2025-04-04
    🔓
    Charge satisfied #1
  9. 2024-07-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2023-11-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-11-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-11-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2020-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2019-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-10-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-05-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2018-05-04
    🔒
    Charge registered #1
    Lender: Metro Bank PLC
  18. 2017-09-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2012-10-09
    🏢
    Company incorporated
    As ANDREW HUGHES WEALTH MANAGEMENT CYF
  20. 2012-10-09
    ➕
    HUGHES, Caryl Wyn appointed
    secretary
  21. 2012-10-09
    ➕
    HUGHES, Andrew appointed
    director

Owner dependency

81/100
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 name in company name: Company name contains director surname "HUGHES" — strong identity link between founder and business.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

59/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • 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.)

Group structure

Hughes & Associates Wealth Management Cyf is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Hughes & Associates Wealth Management Cyf
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
ANDREW HUGHES WEALTH MANAGEMENT CYF
This company · 08245086

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

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Hughes & Associates Wealth Management Cyf
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control01/04/2026
2 historic (ceased) PSCs
  • Mr Ian Andrew Hughesceased 01/04/2026· 50-75% shares · 50-75% voting · board control
  • Mrs Caryl Wyn Hughesceased 01/04/2026· 25-50% shares · 25-50% voting

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 →

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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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2012-10-09
Jurisdictionwales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Glaslyn Ffordd Y Parc
Parc Menai
Bangor
Gwynedd
LL57 4FE

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-23
Last: 2025-10-09

Officers (3 active · 0 resigned)

HUGHES, Caryl Wyn→
secretary · appointed 2012-10-09
View their other companies + combined net worth →
Active
HUGHES, Andrew→
director · ~59y · appointed 2012-10-09
View their other companies + combined net worth →
Active
WAREING, Robert Andrew→
director · ~44y · appointed 2026-04-01
View their other companies + combined net worth →
Active

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Metro Bank
Metro Bank PLC
A registered charge—04/05/201804/04/2025

Recent filings (33 total)

cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-04-17
appoint-person-director-company-with-name-date
officers · AP01
2026-04-17
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-04-17
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-04-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-06
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-19