GREENWOOD EMPLOYEE BENEFITS LTD

🌳Matureactive
08496306 · ltd · incorporated 2013-04-19
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 Mar 2026
Net worth
£5.5k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (73/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (2 active, 5 linked, 5 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
60 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
75
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 £5,549

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
£6k
Current Assets
£9k
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2026-03-31
Total assets£5.5k
Current assets£8.8k
Net assets£5.5k

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
1
filing
  • • 1 accounts
Last 90 days
3
filings
  • • 2 accounts
  • • 1 confirmation-statement
Last 180 days
3
filings
  • • 2 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2026-05-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2026-05-13
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  3. 2025-07-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-07-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-07-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-10-25
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2022-10-25
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2022-07-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2021-07-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2021-07-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2021-07-26
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2020-09-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2019-05-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2018-07-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2018-06-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2018-06-20
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  17. 2014-08-31
    ➖
    BESWICK, David Charles resigned
    director
  18. 2014-08-31
    ➖
    FELLOWS, Colin John resigned
    director
  19. 2013-04-19
    🏢
    Company incorporated
    As GREENWOOD EMPLOYEE BENEFITS LTD
  20. 2013-04-19
    ➕
    MUMFORD, Richard William appointed
    director
  21. 2013-04-19
    ➕
    PASSFIELD, Michael John appointed
    director
  22. 2013-04-19
    ➕
    BESWICK, David Charles appointed
    director
  23. 2013-04-19
    ➕
    FELLOWS, Colin John appointed
    director
  24. 2013-04-19
    ➕
    KAHAN, Barbara appointed
    director
  25. 2013-04-19
    ➖
    KAHAN, Barbara resigned
    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.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.

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 63. 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 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Richard William Mumford
Individual · British · DOB 10/1963 · age 63
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Michael John Passfield
Individual · British · DOB 01/1963 · age 63
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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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
Incorporated2013-04-19
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

The Barn Audley End Business Centre
Wendens Ambo
Saffron Walden
Essex
CB11 4JL
England

Filing status

Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-05-03
Last: 2026-04-19

Officers (2 active · 3 resigned)

MUMFORD, Richard William→
director · ~63y · appointed 2013-04-19
View their other companies + combined net worth →
Active
PASSFIELD, Michael John→
director · ~63y · appointed 2013-04-19
View their other companies + combined net worth →
Active
BESWICK, David Charles→
director · ~62y · appointed 2013-04-19 · resigned 2014-08-31
Resigned
FELLOWS, Colin John→
director · ~60y · appointed 2013-04-19 · resigned 2014-08-31
Resigned
KAHAN, Barbara→
director · ~95y · appointed 2013-04-19 · resigned 2013-04-19
Resigned

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

Recent filings (60 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-28
change-account-reference-date-company-previous-extended
accounts · AA01
2026-05-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-29
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-30
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-19
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-25
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-22
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-28
change-person-director-company-with-change-date
officers · CH01
2021-07-26