BESPOKE INDEPENDENT FINANCIAL ADVISERS LIMITED

🌳Matureactive
08733808 · ltd · incorporated 2013-10-15
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
£770.9k
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
Asset-holding vehicle with a 68-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (80/100)

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
Confirmed no charges registered
85
Directors & officers
7 officers (3 active, 7 linked, 7 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
48 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
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
82
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £770,883
Cash YoY
+24%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£503k
↑ 24% YoY
Net Worth
£771k
↑ 8.1% YoY
Current Assets
£865k
↑ 9.5% YoY
Current Liabilities
—
£0£173k£346k£519k£692k£865kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£776.5k£718.9k
Current assets£864.7k£789.3k
Cash£502.6k£405.6k
Debtors£362.1k£383.7k
Net assets£770.9k£713.3k

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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2025-11-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2025-07-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2025-06-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2025-06-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2024-11-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  6. 2024-10-23
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2024-10-23
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2024-10-01
    ➕
    WALTER, Liam Peter appointed
    director
  9. 2024-09-30
    ➖
    DOWNS, John Robert resigned
    director
  10. 2024-08-17
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2023-06-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2023-04-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2023-03-28
    ➕
    DOWNS, John Robert appointed
    director
  14. 2023-03-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2023-03-08
    ➕
    WILSON, David appointed
    director
  16. 2022-12-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2022-11-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2022-11-01
    ➖
    BIGNALL, Terry Martin resigned
    director
  19. 2021-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2021-11-04
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  21. 2021-10-14
    ➕
    BIGNALL, Terry Martin appointed
    director
  22. 2021-01-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2019-10-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2018-12-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  25. 2017-10-31
    ➕
    FRANCIS, Paul Grant appointed
    director
  26. 2017-10-31
    ➖
    REANEY, David Robert resigned
    director
  27. 2017-10-31
    ➖
    TOWLER, Timothy Graham resigned
    director
  28. 2013-10-15
    🏢
    Company incorporated
    As BESPOKE INDEPENDENT FINANCIAL ADVISERS LIMITED
  29. 2013-10-15
    ➕
    REANEY, David Robert appointed
    director
  30. 2013-10-15
    ➕
    TOWLER, Timothy Graham appointed
    director

Owner dependency

65/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

50/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.

Red flags

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Group structure

Pgf Planning Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Pgf Planning Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
BESPOKE INDEPENDENT FINANCIAL ADVISERS LIMITED
This company · 08733808

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%
NameSharesVoting rightsNature of controlNotified
Pgf Planning Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control31/10/2017
2 historic (ceased) PSCs
  • David Robert Reaneyceased 31/10/2017· 25-50% shares · 25-50% voting
  • Mr Timothy Graham Towlerceased 31/10/2017· 25-50% shares · 25-50% voting

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 →

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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
Incorporated2013-10-15
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

Unit 5, Wellington Business Park
Duke's Ride
Crowthorne
RG45 6LS
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-29
Last: 2025-10-15

Officers (3 active · 4 resigned)

FRANCIS, Paul Grant→
director · ~68y · appointed 2017-10-31
View their other companies + combined net worth →
Active
WALTER, Liam Peter→
director · ~36y · appointed 2024-10-01
View their other companies + combined net worth →
Active
WILSON, David→
director · ~39y · appointed 2023-03-08
View their other companies + combined net worth →
Active
BIGNALL, Terry Martin→
director · ~61y · appointed 2021-10-14 · resigned 2022-11-01
Resigned
DOWNS, John Robert→
director · ~66y · appointed 2023-03-28 · resigned 2024-09-30
Resigned
REANEY, David Robert→
director · ~70y · appointed 2013-10-15 · resigned 2017-10-31
Resigned
TOWLER, Timothy Graham→
director · ~70y · appointed 2013-10-15 · resigned 2017-10-31
Resigned

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

Recent filings (48 total)

change-person-director-company-with-change-date
officers · CH01
2025-11-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-07-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-11-11
appoint-person-director-company-with-name-date
officers · AP01
2024-10-23
termination-director-company-with-name-termination-date
officers · TM01
2024-10-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-08-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-22
appoint-person-director-company-with-name-date
officers · AP01
2023-04-03
appoint-person-director-company-with-name-date
officers · AP01
2023-03-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-30