ANDREW GRINDLEY FINANCIAL SERVICES LIMITED

🌳Matureactive

08660560 · ltd · incorporated 2013-08-22

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 2025

Net worth

—

book net assets

Opportunity

78/100

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

Active trading company with a 66-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 66). 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

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

31 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Average employees	2	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

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (17 events)Click to expand

2026-03-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-20
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-19
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-19
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-11
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-18
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-10-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-08-22
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2018-08-22
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2017-12-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2016-12-28
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-10-27
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-10-02
📄
capital-allotment-shares
capital · SH01
2015-09-21
➕
GRINDLEY, Emma Morgan appointed
director
2013-08-22
🏢
Company incorporated
As ANDREW GRINDLEY FINANCIAL SERVICES LIMITED
2013-08-22
➕
GRINDLEY, Andrew appointed
director

Owner dependency

100/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Founder name in company name: Company name contains director surname "GRINDLEY" — strong identity link between founder and business.
+Founder age: Director aged approximately 66 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+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 66. 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

Name	Shares	Voting rights	Nature of control	Notified
Miss Emma Morgan Grindley Individual · British · DOB 10/1989 · age 37	25–50%	—	25-50% shares	22/08/2018
Mr Andrew Grindley Individual · British · DOB 03/1960 · age 66	25–50%	25–50%	board control25-50% shares · 25-50% voting · board control	22/08/2016

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

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BEAUMONT WEALTH LIMITED→ 13396187 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
BERWYN LAKELANDS LTD→ 15841877 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
BLUE HORIZONS (FAMILY INVESTMENT) LIMITED→ 15120179 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
BORDER FINANCIAL ADVICE LIMITED→ 13450654 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
BOWLES PROPERTY LIMITED→ 14922394 · est 2023 · no financials extracted	—	—	—	—	2y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2013-08-22

Jurisdictionengland-wales

Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

54 Balmoral Crescent

Oswestry

SY11 2XQ

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-09-06

Last: 2025-08-23

Officers (2 active · 0 resigned)

GRINDLEY, Andrew→

director · ~66y · appointed 2013-08-22

View their other companies + combined net worth →

Active

GRINDLEY, Emma Morgan→

director · ~37y · appointed 2015-09-21

View their other companies + combined net worth →

Active

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