ARIA INVESTMENTS LTD

🌳Matureactive
08802049 · ltd · incorporated 2013-12-04
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 Dec 2025
Net worth
£2.85M
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 70-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (68/100, director aged 70). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -62% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 12.3y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 12.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

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
1 charges (1/1 with lender, 1/1 with type)
90
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
2 connected companies via shared directors
51
Filing history
43 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
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £2,845,048
Cash draining
Cash down 62% YoY
Cash YoY
-62%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£63k
↓ 62% YoY
Net Worth
£2.8m
↑ 13% YoY
Current Assets
—
Current Liabilities
—
£0£569k£1.1m£1.7m£2.3m£2.8mDec 2024Dec 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-12-312024-12-31
Cash£62.8k£163.5k
Net assets£2.85M£2.52M

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
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2026-06-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2026-03-12
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2026-03-12
    🔓
    Charge satisfied #1
  4. 2025-10-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2025-09-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2024-08-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-05-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-12-09
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  9. 2022-08-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2022-05-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2021-05-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2021-04-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2020-12-22
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  14. 2020-10-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2020-02-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2019-10-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2018-10-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2017-12-29
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  19. 2014-03-31
    🔒
    Charge registered #1
    Lender: Credit Suisse (UK) LTD
  20. 2013-12-04
    🏢
    Company incorporated
    As ARIA INVESTMENTS LTD
  21. 2013-12-04
    ➕
    FORMAN, Nathalie Helene appointed
    director
  22. 2013-12-04
    ➕
    FORMAN, Robert Graham, Dr appointed
    director

Owner dependency

86/100
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 age: Director aged approximately 70 — 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

79/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 70 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

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
NameSharesVoting rightsNature of controlNotified
Dr Robert Graham Forman
Individual · British · DOB 01/1956 · age 70
25–50%
25–50%25-50% shares · 25-50% voting12/12/2016
Mrs Nathalie Helene Forman
Individual · French · DOB 06/1957 · age 69
25–50%
25–50%25-50% shares · 25-50% voting12/12/2016

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
Incorporated2013-12-04
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

35 Ballards Lane
London
N3 1XW
United Kingdom

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-12-18
Last: 2025-12-04

Officers (2 active · 0 resigned)

FORMAN, Nathalie Helene→
director · ~69y · appointed 2013-12-04
View their other companies + combined net worth →
Active
FORMAN, Robert Graham, Dr→
director · ~70y · appointed 2013-12-04
View their other companies + combined net worth →
Active

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Credit Suisse (UK)
Credit Suisse (UK) LTD
A registered charge—31/03/201412/03/2026

Recent filings (43 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-06-02
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-12
change-sail-address-company-with-old-address-new-address
address · AD02
2022-12-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-08-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-10
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-05-05