ALPHA INDEPENDENT FINANCIAL SOLUTIONS LIMITED
🌳Matureactive
08663876 · ltd · incorporated 2013-08-27
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 Aug 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueActive trading company with a 66-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (76/100)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
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
38 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.
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 | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Average employees | 300 | 300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2025-09-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-15📄change-person-secretary-company-with-change-dateofficers · CH03
- 2024-07-15📄change-person-director-company-with-change-dateofficers · CH01
- 2023-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-14📄capital-allotment-sharescapital · SH01
- 2022-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-31📄change-person-director-company-with-change-dateofficers · CH01
- 2021-09-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-29📄change-person-director-company-with-change-dateofficers · CH01
- 2017-10-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2015-01-08➕KOONER, Gurinder Kaur appointeddirector
- 2013-08-27🏢Company incorporatedAs ALPHA INDEPENDENT FINANCIAL SOLUTIONS LIMITED
- 2013-08-27➕KOONER, Gurinder Kaur appointedsecretary
- 2013-08-27➕CASSAR, Peter Herbert appointeddirector
Owner dependency
73/100
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 66 — succession pressure is live.
Succession & seller-readiness
69/100
Strong succession signalMultiple 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
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 Peter Herbert Cassar Individual · British · DOB 10/1960 · age 66 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mrs Gurinder Kaur Kooner Individual · British · DOB 07/1973 · age 53 | 25–50% | — | 25-50% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| A S INSURANCE SERVICES LIMITED→ 07345487 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
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| A T COMMERCIAL FINANCE 2 LIMITED→ 14921017 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| A T COMMERCIAL FINANCE LIMITED→ 13752408 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ACORN RESERVE LTD→ 13242218 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ANDREW STUART & COMPANY LIMITED→ 04557297 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ANDY HALL MORTGAGES LTD→ 09479295 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ANLD CRYPTO HOLDINGS LTD→ 16592442 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ANT PROTECT LIMITED→ 07237006 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| ANTCLIFF MORTGAGES & PROTECTION LTD→ 10385168 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| AP BASHFORD MORTGAGES LTD→ 16073480 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2013-08-27
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
9 Cottam Drive
Barlborough
Chesterfield
Derbyshire
S43 4WS
Filing status
Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2027-03-28
Last: 2026-03-14
Officers (3 active · 0 resigned)
KOONER, Gurinder Kaur→
Activesecretary · appointed 2013-08-27
View their other companies + combined net worth →
CASSAR, Peter Herbert→
Activedirector · ~66y · appointed 2013-08-27
View their other companies + combined net worth →
KOONER, Gurinder Kaur→
Activedirector · ~53y · appointed 2015-01-08
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (38 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-22
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-07-17
change-person-secretary-company-with-change-date
officers · CH03
2024-07-15
change-person-director-company-with-change-date
officers · CH01
2024-07-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-25
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-14
capital-allotment-shares
capital · SH01
2023-03-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-31
change-person-director-company-with-change-date
officers · CH01
2022-08-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-13