EXCEL PENSIONS LIMITED
🌳Matureactive
08924433 · ltd · incorporated 2014-03-05
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 9.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£47.3k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with exceptional profile and bankable structure.
Opportunity 80/100 (exceptional), bankability 80/100. 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).
🏦
Refinance opportunity
1 live charge · oldest 9.7y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 9.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (82/100)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
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
42 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
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 declaredPositive net assets
Net assets £47,292
Cash YoY
+86%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£24k
↑ 86% YoY
Net Worth
£47k
~ YoY
Current Assets
£112k
↓ 9.9% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £52.6k | £62.8k |
| Current assets | £111.8k | £124.1k |
| Cash | £24.3k | £13.0k |
| Debtors | £87.5k | £111.1k |
| Net assets | £47.3k | £47.1k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 signals 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 (22 events)Click to expand
- 2025-08-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-11📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-10-08📄change-person-director-company-with-change-dateofficers · CH01
- 2020-06-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2019-07-15📄change-person-director-company-with-change-dateofficers · CH01
- 2019-06-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-18📄change-person-director-company-with-change-dateofficers · CH01
- 2018-10-11📄change-person-director-company-with-change-dateofficers · CH01
- 2018-05-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-09-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-11-02🔒Charge registered #1Lender: National Westminster Bank PLC
- 2014-03-06➖JOHNSON, Andrew Cameron resigneddirector
- 2014-03-05🏢Company incorporatedAs EXCEL PENSIONS LIMITED
- 2014-03-05➕JOHNSON, Carole Lesley appointeddirector
- 2014-03-05➕LEESE, David John appointeddirector
- 2014-03-05➕JOHNSON, Andrew Cameron appointeddirector
Owner dependency
66/100
High — earn-out structure requiredMaterial 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
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
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.
- 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.)
Group structure
Excel Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Excel Holdings Limited
Corporate parent · holds 75-100% shares
⬇
EXCEL PENSIONS LIMITED
This company · 08924433
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 |
|---|---|---|---|---|
Excel Holdings Limited Corporate entity | 75–100% | — | 75-100% shares | 21/12/2016 |
1 historic (ceased) PSC
- Mrs Carole Lesley Johnsonceased 21/12/2016· significant influence
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
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|---|---|---|---|---|---|---|---|
| FGDNMIPF LIMITED→ 13775056 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| FINANCE FOR PROPERTY DEVELOPERS LIMITED→ 09056805 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| FIRMUS WEALTH MANAGEMENT LIMITED→ 11557316 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| FORT80 LTD→ 14687627 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| FOUNTAIN FINANCIAL LIMITED→ 12382557 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| GAVIN CARR FINANCIAL SERVICES LIMITED→ 09063675 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| GENERAL GUARANTEE COLLECTIONS LIMITED→ 04833093 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| GH FINANCIAL CONSULTANCY LIMITED→ 05007825 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| GILIKER FLYNN INDEPENDENT WEALTH LTD→ 09380994 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| GMG RISK STRATEGIES LIMITED→ 05181604 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| GOLD ENGINE 2021 LIMITED→ 13772195 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| GOLDBROOK LIMITED→ 05097819 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
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
Incorporated2014-03-05
Jurisdictionengland-wales
Primary SIC65300 — Pension funding
Registered office
Stone House
Stone Road Business Park
Stoke-On-Trent
Staffordshire
ST4 6SR
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-02
Last: 2025-10-19
Officers (2 active · 1 resigned)
JOHNSON, Carole Lesley→
Activedirector · ~59y · appointed 2014-03-05
View their other companies + combined net worth →
LEESE, David John→
Activedirector · ~52y · appointed 2014-03-05
View their other companies + combined net worth →
JOHNSON, Andrew Cameron→
Resigneddirector · ~62y · appointed 2014-03-05 · resigned 2014-03-06
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 02/11/2016 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (42 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-19
change-person-director-company-with-change-date
officers · CH01
2025-03-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-18
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-06-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-29
change-person-director-company-with-change-date
officers · CH01
2020-10-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-06-19