FINANCIAL AFFAIRS WEALTH SOLUTIONS LIMITED
🌳Matureactive
08629404 · ltd · incorporated 2013-07-29
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 May 2025
Net worth
—
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 71/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 0.1y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.1 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
52 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Average employees | 13 | 200 |
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 mortgage
Last 180 days
2
filings
- • 1 mortgage
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2026-04-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-21🔒Charge registered #1Lender: National Westminster Bank PLC
- 2026-03-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-03📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-03📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-11-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-11-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-20📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2024-07-05✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-03-29📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2024-03-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-03-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-05-25📄memorandum-articlesincorporation · MA
- 2023-05-25📄resolutionresolution · RESOLUTIONS
- 2023-05-20📄second-filing-of-director-appointment-with-nameofficers · RP04AP01
- 2023-05-20📄second-filing-of-director-appointment-with-nameofficers · RP04AP01
- 2023-05-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-05-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-05-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-05-11📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-05-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-28➕O'CONNOR, Laurence Christian Thomas appointeddirector
- 2023-04-28➕WALSH, Alan David appointeddirector
- 2023-04-28➖DECUNHA, Anthony Alexander resigneddirector
- 2023-04-28➖DECUNHA, Joanne Michelle resigneddirector
- 2013-07-29🏢Company incorporatedAs FINANCIAL AFFAIRS WEALTH SOLUTIONS LIMITED
- 2013-07-29➕DECUNHA, Anthony Alexander appointeddirector
- 2013-07-29➕DECUNHA, Joanne Michelle appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med · 1 lowName changed recently
mediumName changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2024-07-05: certificate-change-of-name-company
Multiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
Financial Affairs Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Financial Affairs Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
FINANCIAL AFFAIRS WEALTH SOLUTIONS LIMITED
This company · 08629404
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 |
|---|---|---|---|---|
Financial Affairs Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 28/04/2023 |
3 historic (ceased) PSCs
- Laurence Christian Thomas O'Connorceased 28/04/2023· 50-75% shares · 50-75% voting · board control
- Mr Anthony Alexander Decunhaceased 28/04/2023· 25-50% shares · 25-50% voting · board control · significant influence · firm interest
- Mrs Joanne Michelle Decunhaceased 28/04/2023· 25-50% shares · 25-50% voting · board control · significant influence · firm interest
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
Active · Financial services · BB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BURNLEY SAVINGS AND LOANS LIMITED→ 07640762 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CORT BRADSHAW LIMITED→ 15539008 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| DARWEN TERRACOTTA TRUSTEE LIMITED→ 16963308 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ELLIOT INVESTMENT SOUTH LIMITED→ 16382684 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ELYSIUM TRADING LIMITED→ 16826346 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ESSAYMEDICAL LIMITED→ 12716171 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| EUPHORIA FINANCE LIMITED→ 10388285 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| FELLSIDE INVESTMENTS LTD→ 12433953 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| FINANCIAL AFFAIRS INSURANCE SOLUTIONS LIMITED→ 12194933 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| FINANCIAL AFFAIRS LIMITED→ 01807791 · est 1984 · no financials extracted | — | — | — | — | 42y | — | — |
| FIND MY FINANCE LTD→ 16977217 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| FITZPATRICK FAMILY OFFICE LTD→ 16831654 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2013-07-29
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
36a Northlight
Northlight Parade
Pendle
BB9 5EG
England
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-08-12
Last: 2025-07-29
Officers (2 active · 2 resigned)
O'CONNOR, Laurence Christian Thomas→
Activedirector · ~42y · appointed 2023-04-28
View their other companies + combined net worth →
WALSH, Alan David→
Activedirector · ~42y · appointed 2023-04-28
View their other companies + combined net worth →
DECUNHA, Anthony Alexander→
Resigneddirector · ~61y · appointed 2013-07-29 · resigned 2023-04-28
DECUNHA, Joanne Michelle→
Resigneddirector · ~54y · appointed 2013-07-29 · resigned 2023-04-28
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 21/04/2026 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (52 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-02
change-person-director-company-with-change-date
officers · CH01
2025-11-03
change-person-director-company-with-change-date
officers · CH01
2025-11-03
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-11-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-11-03
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-11-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-28
change-account-reference-date-company-previous-extended
accounts · AA01
2024-10-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-09
certificate-change-of-name-company
change-of-name · CERTNM
2024-07-05
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2024-03-29
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-03-21
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-21