ALLEN TOMAS & CO FINANCIAL MANAGEMENT LTD.

🌳Matureactive

08864562 · ltd · incorporated 2014-01-28

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£93.6k

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Other activities auxiliary to insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 80/100 (exceptional), bankability 85/100. Strong seller-intent signal (60/100, director aged 58). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -87% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · oldest 3.6y

35/100

under pressure

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

· Charge age ~3.6 years — mid-life; refi window approaching.
· Single lender — cleanest path to refinance.
· Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (84/100)

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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

5 officers (5 active, 5 linked, 5 with DOB)

Ownership & PSC

1 active PSC(s) of 4 total, 4 with control declared

Director network

19 connected companies via shared directors

Filing history

62 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

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 £93,619

Very low cash

Cash position: £97

Cash draining

Cash down 87% YoY

Cash YoY

-87%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£97

↓ 87% YoY

Net Worth

£94k

↑ 1451% YoY

Current Assets

£575k

↑ 53% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Total assets	£490.8k	£473.2k
Current assets	£574.7k	£376.3k
Cash	£97	£731
Debtors	£574.6k	£375.6k
Net assets	£93.6k	£6.0k

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

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (32 events)Click to expand

2025-11-05
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-29
📄
resolution
resolution · RESOLUTIONS
2025-07-29
📄
memorandum-articles
incorporation · MA
2025-07-29
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-29
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-29
🔓
Charge satisfied #2
2025-07-29
🔓
Charge satisfied #1
2025-07-25
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-07-25
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-07-25
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-07-25
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-25
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-25
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-25
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-24
➕
PILE, Simon Timothy appointed
director
2025-07-24
➕
TAYLOR, Tom appointed
director
2025-07-24
➕
WILSON, Simon Levick Garth appointed
director
2025-05-12
📄
resolution
resolution · RESOLUTIONS
2025-05-09
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-01-03
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-01-03
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-06
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-07
📄
capital-alter-shares-subdivision
capital · SH02
2023-10-03
📄
capital-name-of-class-of-shares
capital · SH08
2023-10-03
📄
memorandum-articles
incorporation · MA
2023-10-03
📄
resolution
resolution · RESOLUTIONS
2023-10-03
📄
resolution
resolution · RESOLUTIONS
2022-09-26
🔒
Charge registered #2
Lender: Atom Bank PLC
2022-09-26
🔒
Charge registered #1
Lender: Atom Bank PLC
2017-08-25
➕
CRISP, Michael John appointed
director
2014-01-28
🏢
Company incorporated
As ALLEN TOMAS & CO FINANCIAL MANAGEMENT LTD.
2014-01-28
➕
ALLEN, Benjamin Tomas appointed
director

Owner dependency

63/100

High — earn-out structure required

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

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Founder name in company name: Company name contains director surname "ALLEN" — strong identity link between founder and business.
+Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

53/100

Moderate signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
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

clean

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

Group structure

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

🏛️

Fairstone Holdings Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

ALLEN TOMAS & CO FINANCIAL MANAGEMENT LTD.

This company · 08864562

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%

Name	Shares	Voting rights	Nature of control	Notified
Fairstone Holdings Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	24/07/2025

3 historic (ceased) PSCs

Mrs Rebecca Louise Allenceased 24/07/2025· 25-50% shares · 25-50% voting
Mr Michael John Crispceased 11/09/2023· 25-50% shares · 25-50% voting · board control
Mr Benjamin Tomas Allenceased 24/07/2025· 25-50% shares · 25-50% voting · board control

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 →

Similar companies

Active · Financial services · SR postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
234 BROCKLEY ROAD PROPERTY LIMITED→ 09210337 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
A & M WAKEFIELD ASSOCIATES LIMITED→ 07711891 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
ABBIE TAYLOR INDEPENDENT FINANCIAL ADVISER LIMITED→ 16277453 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
ADVANCED IFA LTD→ 05080099 · est 2004 · no financials extracted	—	—	—	—	22y	—	—
ADVANCED WEALTH MANAGEMENT LIMITED→ 16988678 · est 2026 · no financials extracted	—	—	—	—	—	—	—
ADVICE AND SOLUTIONS LIMITED→ 05287908 · est 2004 · no financials extracted	—	—	—	—	21y	—	—
AFFINITY ADVICE LTD→ 14100485 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
AGE UK SUNDERLAND SERVICES LIMITED→ 03181457 · est 1996 · no financials extracted	—	—	—	—	30y	—	—
AKKISTRADING LTD→ 15779632 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ALAN PICKIN ASSOCIATES LTD→ 08776293 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
ANEEVO LTD→ 14621206 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
APPROVED MORTGAGE SOLUTIONS LIMITED→ 06390685 · est 2007 · no financials extracted	—	—	—	—	18y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2014-01-28

Jurisdictionengland-wales

Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

8 Camberwell Way

Doxford International Business Park

Sunderland

SR3 3XN

England

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-01-29

Last: 2026-01-15