ASPIRATIONS FINANCIAL ADVICE LTD
🌳Matureactive
08252963 · ltd · incorporated 2012-10-15
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£495.1k
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
- 66290Other activities auxiliary to insurance and pension funding
- 66300Fund management activities
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 72/100 (strong), bankability 57/100. Strong seller-intent signal (68/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
6 live charges · 6 lenders · oldest 6.0y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 6.0 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 7 with DOB)
88
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
111 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
59
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £495,113
Net assets shrinking
Down £146,191 YoY
Cash YoY
-8%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£230
↓ 7.6% YoY
Net Worth
£495k
↓ 23% YoY
Current Assets
£1.1m
↓ 21% 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 | £498.6k | £676.3k |
| Current assets | £1.12M | £1.42M |
| Cash | £230 | £249 |
| Debtors | £1.12M | £1.42M |
| Net assets | £495.1k | £641.3k |
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
- • 2 mortgage
- • 1 resolution
- • 1 incorporation
Last 180 days
4
filings
- • 2 mortgage
- • 1 resolution
- • 1 incorporation
Counts from Companies House filing history.
Corporate timeline (44 events)Click to expand
- 2026-04-25📄resolutionresolution · RESOLUTIONS
- 2026-04-25📄memorandum-articlesincorporation · MA
- 2026-04-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-25🔒Charge registered #6Lender: Adam Palmer
- 2026-03-25🔒Charge registered #5Lender: Andrew Harris
- 2025-07-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-30🔓Charge satisfied #2
- 2025-07-23📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-03-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-17🔒Charge registered #4Lender: Umbra Finance Limited (As Security Trustee)
- 2024-09-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-09-25📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2024-09-02📄resolutionresolution · RESOLUTIONS
- 2024-08-27📄resolutionresolution · RESOLUTIONS
- 2024-08-27📄capital-return-purchase-own-sharescapital · SH03
- 2024-08-27📄capital-return-purchase-own-sharescapital · SH03
- 2024-08-27📄capital-return-purchase-own-sharescapital · SH03
- 2024-08-27📄capital-return-purchase-own-sharescapital · SH03
- 2024-08-06📄resolutionresolution · RESOLUTIONS
- 2024-08-05📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2024-08-05📄legacycapital · SH20
- 2024-08-05⚠️legacyinsolvency · CAP-SS
- 2024-08-05📄resolutionresolution · RESOLUTIONS
- 2024-06-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2023-09-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-10-18🔒Charge registered #3Lender: Vertus Capital SPV1 Limited
- 2021-07-16🔒Charge registered #2Lender: Vertus Capital SPV1 Limited, Registration Number 10294991, the Lender (As Defined in the Instrument Evidencing the Charge Accompanying This Form MR01)
- 2021-05-04🔓Charge satisfied #1
- 2020-11-17➕HARRIS, Andrew David appointeddirector
- 2020-05-26🔒Charge registered #1Lender: Barclays Security Trustee Limited
- 2019-05-20➕HARRIS, Andrew David appointedsecretary
- 2019-02-01➖HARRIS, Andrew David resigneddirector
- 2018-10-16➕HARRIS, Andrew David appointeddirector
- 2018-09-03➕PALMER, Adam David Charles appointeddirector
- 2018-09-03➖GILPIN, Stephen John resigneddirector
- 2018-09-03➖WHITTON, Deborah resigneddirector
- 2018-09-03➖WHITTON, Paul John resigneddirector
- 2017-02-20➕WHITTON, Deborah appointeddirector
- 2015-04-01➖ANSTEY, Simon Mark resigneddirector
- 2012-10-15🏢Company incorporatedAs ASPIRATIONS FINANCIAL ADVICE LTD
- 2012-10-15➕ANSTEY, Simon Mark appointeddirector
- 2012-10-15➕GILPIN, Stephen John appointeddirector
- 2012-10-15➕WHITTON, Paul John appointeddirector
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
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.
Succession & seller-readiness
56/100
Strong succession signalMultiple 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.
Red flags
1 high · 1 med ·1 insolvency-related filing on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2024-08-05: legacy
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Rar Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Rar Holdings Ltd
Corporate parent · holds 75-100% shares · board control
⬇
ASPIRATIONS FINANCIAL ADVICE LTD
This company · 08252963
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Rar Holdings Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 03/09/2018 |
2 historic (ceased) PSCs
- Mr Paul Whittonceased 03/09/2018· 25-50% shares
- Mr Stephen John Gilpinceased 03/09/2018· 25-50% shares
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
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|---|---|---|---|---|---|---|---|
| ALMA VALE WEALTH MANAGEMENT LIMITED→ 08698932 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
10 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
Incorporated2012-10-15
Jurisdictionengland-wales
Primary SIC65110 — Life insurance
Registered office
Ist Floor, West Offices Willow Brook Centre
Bradley Stoke
Bristol
BS32 8BS
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-07-12
Last: 2025-06-28
Officers (3 active · 5 resigned)
HARRIS, Andrew David→
Activesecretary · appointed 2019-05-20
View their other companies + combined net worth →
HARRIS, Andrew David→
Activedirector · ~65y · appointed 2020-11-17
View their other companies + combined net worth →
PALMER, Adam David Charles→
Activedirector · ~51y · appointed 2018-09-03
View their other companies + combined net worth →
ANSTEY, Simon Mark→
Resigneddirector · ~60y · appointed 2012-10-15 · resigned 2015-04-01
GILPIN, Stephen John→
Resigneddirector · ~66y · appointed 2012-10-15 · resigned 2018-09-03
HARRIS, Andrew David→
Resigneddirector · ~65y · appointed 2018-10-16 · resigned 2019-02-01
WHITTON, Deborah→
Resigneddirector · ~64y · appointed 2017-02-20 · resigned 2018-09-03
WHITTON, Paul John→
Resigneddirector · ~65y · appointed 2012-10-15 · resigned 2018-09-03
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
4
Outstanding
4
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Adam Palmer | A registered charge | — | 25/03/2026 | — | |
| outstanding | Andrew Harris | A registered charge | — | 25/03/2026 | — | |
| outstanding | Umbra Finance (As Security Trustee) Umbra Finance Limited (As Security Trustee) | A registered charge | — | 17/03/2025 | — | |
| outstanding | Vertus Capital SPV1 Vertus Capital SPV1 Limited | A registered charge | — | 18/10/2021 | — | |
| satisfied | Vertus Capital SPV1 , Registration Number 10294991, the Lender (As Defined in the Instrument Evidencing the Charge Accompanying This Form MR01) Vertus Capital SPV1 Limited, Registration Number 10294991, the Lender (As Defined in the Instrument Evidencing the Charge Accompanying This Form MR01) | A registered charge | — | 16/07/2021 | 30/07/2025 | |
| satisfied | Barclays Barclays Security Trustee Limited | A registered charge | — | 26/05/2020 | 04/05/2021 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (111 total)
resolution
resolution · RESOLUTIONS
2026-04-25
memorandum-articles
incorporation · MA
2026-04-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-01
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-30
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-07-23
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-09-30
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2024-09-25
resolution
resolution · RESOLUTIONS
2024-09-02
resolution
resolution · RESOLUTIONS
2024-08-27
capital-return-purchase-own-shares
capital · SH03
2024-08-27
capital-return-purchase-own-shares
capital · SH03
2024-08-27
capital-return-purchase-own-shares
capital · SH03
2024-08-27