DANDELION FINANCIAL LIMITED

🌳Matureactive
08625116 · ltd · incorporated 2013-07-25
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 9.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2026
Net worth
£304.2k
book net assets
Opportunity
80/100
Exceptional
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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
Asset-holding vehicle with a 67-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 85/100. Strong seller-intent signal (78/100, director aged 67). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · oldest 9.1y

85/100
ready

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

  • · Oldest live charge is 9.1 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (78/100)

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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
37 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
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 £304,201
Cash YoY
-7%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£67k
↓ 7.2% YoY
Net Worth
£304k
↑ 3.0% YoY
Current Assets
—
Current Liabilities
—
£0£61k£122k£183k£243k£304kMar 2025Mar 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-03-312025-03-31
Total assets£326.0k£296.8k
Cash£66.6k£71.8k
Net assets£304.2k£295.3k

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
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2026-05-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-06-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-12-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-03-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2024-03-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2024-03-04
    🔓
    Charge satisfied #2
  7. 2024-03-04
    🔓
    Charge satisfied #1
  8. 2023-11-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2022-11-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2021-11-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2020-12-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2019-11-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2019-10-16
    📄
    withdrawal-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC09
  14. 2018-12-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2017-12-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2017-11-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2017-11-17
    🔒
    Charge registered #2
    Lender: Lloyds Bank PLC
  18. 2017-10-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2017-05-04
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  20. 2013-07-25
    🏢
    Company incorporated
    As DANDELION FINANCIAL LIMITED
  21. 2013-07-25
    ➕
    CARTER, Andrew Jonathan appointed
    director
  22. 2013-07-25
    ➕
    WATCH, Sarah Kathryn appointed
    director

Owner dependency

78/100
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.
  • +Founder age: Director aged approximately 67 — succession pressure is live.
  • +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.

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 67. 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
Mrs Sarah Kathryn Watch
Individual · British · DOB 08/1962 · age 64
25–50%
—25-50% shares06/04/2016
Mr Andrew Jonathan Carter
Individual · British · DOB 07/1959 · age 67
25–50%
—25-50% shares06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

7 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
Incorporated2013-07-25
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

32 High Street
Highworth
Swindon
SN6 7AQ
England

Filing status

Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2026-08-08
Last: 2025-07-25

Officers (2 active · 0 resigned)

CARTER, Andrew Jonathan→
director · ~67y · appointed 2013-07-25
View their other companies + combined net worth →
Active
WATCH, Sarah Kathryn→
director · ~64y · appointed 2013-07-25
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
Lloyds Banking Group
Lloyds Bank PLC
A registered charge1 property17/11/201704/03/2024
satisfied
Lloyds Banking Group
Lloyds Bank PLC
A registered charge1 property04/05/201704/03/2024

Recent filings (37 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-30
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-04
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-04
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-30
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-31
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-27
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-27