ANDREW G BELL FINANCIAL SOLUTIONS LIMITED
🌳Matureactive
08820045 · ltd · incorporated 2013-12-18
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
73/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 73/100 (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: strategic trade sale (65/100).
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
75
Lenders & charges
Confirmed no charges registered
85
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
Network not yet resolved
30
Filing history
30 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 1 | 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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-11-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-01-01➕BELL, Emma Louise appointeddirector
- 2021-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-11-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-09-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-07-28📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-12-21📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-09-07📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-12-22📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-12-19📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2013-12-18🏢Company incorporatedAs ANDREW G BELL FINANCIAL SOLUTIONS LIMITED
- 2013-12-18➕BELL, Andrew Grievison appointeddirector
Owner dependency
86/100
Critical — business is the founderThe 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 "BELL" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
49/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 12 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 Andrew Grievison Bell Individual · British · DOB 11/1973 · age 53 | 25–50% | — | 25-50% shares | 30/06/2016 |
Mrs Emma Louise Bell Individual · British · DOB 12/1978 · age 48 | 25–50% | — | 25-50% shares | 30/06/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| 313 COMMERCIAL LTD→ 12581353 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ACTIVE INDIVIDUAL MORTGAGE SOLUTIONS LIMITED→ 12943228 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ADBAC INVESTMENTS LIMITED→ 13925565 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AF3CA LTD→ 14608819 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| AJW HOLDINGS GROUP LTD→ 16450255 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALL MINE INVESTMENTS LIMITED→ 17072442 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AQUIATOS→ 12215718 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ARMAND NETWORKS LTD→ 10414691 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ARMSTRONG NATIONWIDE LTD.→ 03919924 · est 2000 · no financials extracted | — | — | — | — | 26y | — | — |
| ASF A2 NOMINEE 2 LIMITED→ 17007104 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ASF B NOMINEE LIMITED→ 17006928 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ASURE FINANCIAL LIMITED→ 11587198 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2013-12-18
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
41 Walden Close
Ouston
Chester Le Street
Durham
DH2 1TF
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-01
Last: 2025-12-18
Officers (2 active · 0 resigned)
BELL, Andrew Grievison→
Activedirector · ~53y · appointed 2013-12-18
View their other companies + combined net worth →
BELL, Emma Louise→
Activedirector · ~48y · appointed 2022-01-01
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (30 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-07
appoint-person-director-company-with-name-date
officers · AP01
2022-01-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-12-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-14