BLUE SPIRE INDEPENDENT FINANCIAL ADVICE LIMITED

🌳Matureactive
08385518 · ltd · incorporated 2013-02-01
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 12.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2026
Net worth
£189.5k
book net assets
Opportunity
75/100
Strong
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 75/100 (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

2 live charges · oldest 12.3y

85/100
ready

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

  • · Oldest live charge is 12.3 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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
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
39 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
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
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £189,535
Cash YoY
+44%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£39k
↑ 44% YoY
Net Worth
£190k
↑ 19% YoY
Current Assets
£41k
↑ 38% YoY
Current Liabilities
—
£0£38k£76k£114k£152k£190kMar 2025Mar 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2026-03-312025-03-31
Total assets£202.1k£181.0k
Current assets£40.6k£29.4k
Cash£38.8k£26.9k
Debtors£1.8k£2.5k
Net assets£189.5k£159.2k

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
1
filing
  • • 1 accounts
Last 180 days
4
filings
  • • 2 mortgage
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2026-05-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2026-01-27
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2026-01-27
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2026-01-27
    🔓
    Charge satisfied #2
  5. 2026-01-27
    🔓
    Charge satisfied #1
  6. 2025-05-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-05-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2024-02-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2023-04-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2022-05-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-04-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2022-04-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2021-05-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2020-05-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-05-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-05-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2017-05-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2014-04-17
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  19. 2014-03-25
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  20. 2013-02-01
    🏢
    Company incorporated
    As BLUE SPIRE INDEPENDENT FINANCIAL ADVICE LIMITED
  21. 2013-02-01
    ➕
    TOPLIS, Nigel appointed
    secretary
  22. 2013-02-01
    ➕
    TOPLIS, Nigel appointed
    director
  23. 2013-02-01
    ➕
    TOPLIS, Wendy Joanne appointed
    director

Owner dependency

66/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

49/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 13 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
NameSharesVoting rightsNature of controlNotified
Mr Nigel Toplis
Individual · British · DOB 11/1969 · age 57
50–75%
—50-75% shares01/05/2016

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 →

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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
Incorporated2013-02-01
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Blue Spire House (No 1)
Coach Drive
Eastwood
Nottingham
NG16 3DR

Filing status

Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-02-13
Last: 2026-01-30

Officers (3 active · 0 resigned)

TOPLIS, Nigel→
secretary · appointed 2013-02-01
View their other companies + combined net worth →
Active
TOPLIS, Nigel→
director · ~57y · appointed 2013-02-01
View their other companies + combined net worth →
Active
TOPLIS, Wendy Joanne→
director · ~56y · appointed 2013-02-01
View their other companies + combined net worth →
Active

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

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property17/04/201427/01/2026
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property25/03/201427/01/2026

Recent filings (39 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-22
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-23
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-27
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-12
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-02-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-30
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-04
change-person-director-company-with-change-date
officers · CH01
2022-04-05
change-person-director-company-with-change-date
officers · CH01
2022-04-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-04