BESPOKE-ADVICE LIMITED

🌳Matureactive
08754524 · ltd · incorporated 2013-10-30
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 Oct 2024
Net worth
—
book net assets
Opportunity
79/100
Strong
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: high (81/100)

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
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
46 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 accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Oct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-10-312023-10-31
Average employees1200—

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 (27 events)Click to expand
  1. 2025-03-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-01-18
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2023-11-29
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  4. 2023-10-27
    📄
    accounts-amended-with-made-up-date
    accounts · AAMD
  5. 2023-06-09
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2022-10-25
    📄
    resolution
    resolution · RESOLUTIONS
  7. 2022-10-25
    📄
    memorandum-articles
    incorporation · MA
  8. 2022-08-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2022-01-24
    📄
    memorandum-articles
    incorporation · MA
  10. 2022-01-24
    📄
    resolution
    resolution · RESOLUTIONS
  11. 2021-06-02
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2021-05-17
    📄
    capital-allotment-shares
    capital · SH01
  13. 2020-10-12
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2020-10-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2020-10-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2020-10-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  17. 2020-10-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  18. 2020-10-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2020-10-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  20. 2020-10-08
    ➕
    LANE, Susannah Clare appointed
    director
  21. 2020-10-08
    ➕
    MORLEY, Alex James Ford appointed
    director
  22. 2020-10-08
    ➖
    LANE, Susannah Clare resigned
    director
  23. 2020-10-08
    ➖
    WOODS, Michael resigned
    director
  24. 2020-10-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  25. 2014-08-28
    ➕
    WOODS, Michael appointed
    director
  26. 2013-10-30
    🏢
    Company incorporated
    As BESPOKE-ADVICE LIMITED
  27. 2013-10-30
    ➕
    LANE, Susannah Clare appointed
    director

Owner dependency

66/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

46/100
Moderate signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Cardan Financial Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Cardan Financial Group Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
BESPOKE-ADVICE LIMITED
This company · 08754524

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
Cardan Financial Group Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control08/10/2020
2 historic (ceased) PSCs
  • Mr Michael Woodsceased 08/10/2020· 25-50% shares
  • Mrs Susannah Clare Laneceased 08/10/2020· 25-50% shares

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

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
Incorporated2013-10-30
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

22 The Tything
Worcester
Worcestershire
WR1 1HD
England

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-10-08
Last: 2025-09-24

Officers (2 active · 2 resigned)

LANE, Susannah Clare→
director · ~54y · appointed 2020-10-08
View their other companies + combined net worth →
Active
MORLEY, Alex James Ford→
director · ~59y · appointed 2020-10-08
View their other companies + combined net worth →
Active
LANE, Susannah Clare→
director · ~54y · appointed 2013-10-30 · resigned 2020-10-08
Resigned
WOODS, Michael→
director · ~63y · appointed 2014-08-28 · resigned 2020-10-08
Resigned

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

Recent filings (46 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-25
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-26
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-01-18
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-11-29
accounts-amended-with-made-up-date
accounts · AAMD
2023-10-27
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-06-09
resolution
resolution · RESOLUTIONS
2022-10-25
memorandum-articles
incorporation · MA
2022-10-25
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-26
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-08-25
memorandum-articles
incorporation · MA
2022-01-24
resolution
resolution · RESOLUTIONS
2022-01-24
confirmation-statement-with-updates
confirmation-statement · CS01
2021-09-28