FITCH FINANCIAL ASSOCIATES LIMITED
🌳Matureactive
08655808 · ltd · incorporated 2013-08-19
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 Aug 2025
Net worth
£12.9k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Pension funding
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 75-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 75). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
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
Confirmed no charges registered
85
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
26 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 102Positive net assets
Net assets £12,904
Cash YoY
+3%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£70k
↑ 3.1% YoY
Net Worth
£13k
↑ 62% YoY
Current Assets
£78k
↑ 3.6% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Total assets | £50.1k | £50.1k |
| Current assets | £77.5k | £74.8k |
| Cash | £70.0k | £67.9k |
| Debtors | £7.5k | £6.9k |
| Net assets | £12.9k | £8.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-10-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-10-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-10-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-10-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-09-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-10-14📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-08-24📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-09-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-09-04📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-08-19🏢Company incorporatedAs FITCH FINANCIAL ASSOCIATES LIMITED
- 2013-08-19➕FATH, Charles appointeddirector
- 2013-08-19➕MITCHELL, Stuart Robert appointeddirector
Owner dependency
78/100
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 75 — 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
79/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
- 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Charles Fath Individual · British · DOB 05/1964 · age 62 | 25–50% | — | 25-50% shares | 19/08/2016 |
Mr Stuart Robert Mitchell Individual · British · DOB 10/1951 · age 75 | 25–50% | — | 25-50% shares | 19/08/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · TQ postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| GATEHOUSE-IFA LTD→ 06549784 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| GC FINANCIAL ADVICE LTD→ 15957654 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| GD MORTGAGES LTD→ 16323580 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| GILLARD HEALTHCARE LIMITED→ 09483146 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| GJC FINANCE LTD→ 08018892 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| GLFS (SW) LIMITED→ 12838801 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| GOSS PARTNERS LIMITED→ 06735403 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| GOULDEN & SONS PROPERTIES UK LIMITED→ 13506804 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| GOWRINGS HOLDINGS LIMITED→ 12488278 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| GREEN STAR TRADING LIMITED→ 11771236 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| GREENLIGHT COMMERCIAL LIMITED→ 12169498 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| HALDON FINANCIAL LIMITED→ 07198574 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
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
Incorporated2013-08-19
Jurisdictionengland-wales
Primary SIC65300 — Pension funding
Registered office
17 Aller Park Road
Newton Abbot
Devon
TQ12 4NG
Filing status
Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-08-28
Last: 2025-08-14
Officers (2 active · 0 resigned)
FATH, Charles→
Activedirector · ~62y · appointed 2013-08-19
View their other companies + combined net worth →
MITCHELL, Stuart Robert→
Activedirector · ~75y · appointed 2013-08-19
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (26 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-20
accounts-with-accounts-type-micro-entity
accounts · AA
2020-10-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-19
accounts-with-accounts-type-micro-entity
accounts · AA
2019-10-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-08-16