A. P. MOY FINANCIAL LTD

💤Zombieactive
08950782 · ltd · incorporated 2014-03-20
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (76/100)

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
4 officers (2 active, 4 linked, 2 with DOB)
80
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
36 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
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
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£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Average employees2200

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 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2025-08-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-04-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-03-18
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  4. 2025-03-18
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  5. 2025-03-18
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  6. 2025-03-12
    ➕
    MOY, Anna Elizabeth appointed
    secretary
  7. 2025-03-12
    ➖
    MOY, Deborah Jane resigned
    secretary
  8. 2025-01-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2024-12-01
    ➖
    MOY, Adrian Paul resigned
    director
  10. 2024-11-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2023-12-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2022-12-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2021-12-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2020-12-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2019-10-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2018-12-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2018-11-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2018-08-22
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2014-03-20
    🏢
    Company incorporated
    As A. P. MOY FINANCIAL LTD
  20. 2014-03-20
    ➕
    MOY, Deborah Jane appointed
    director
  21. 2014-03-20
    ➕
    MOY, Deborah Jane appointed
    secretary
  22. 2014-03-20
    ➕
    MOY, Adrian Paul appointed
    director

Owner dependency

90/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

78/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • 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.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mrs Deborah Jane Moy
Individual · British · DOB 11/1961 · age 65
75–100%
75–100%75-100% shares · 75-100% voting06/04/2016
1 historic (ceased) PSC
  • Mr Adrian Paul Moyceased 01/12/2024· 25-50% shares · 25-50% voting

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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————15y——
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10352110 · est 2016 · no financials extracted
————9y——
ADVENT UNDERWRITING LIMITED→
01227004 · est 1975 · no financials extracted
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AE WEALTH LTD→
15513735 · est 2024 · no financials extracted
————2y——
AFWOOD LIMITED→
13515100 · est 2021 · no financials extracted
————4y——
AGE UK WEST SUSSEX ENTERPRISES LIMITED→
03618876 · est 1998 · no financials extracted
————27y——
AGILE TRADING LIMITED→
09071787 · est 2014 · no financials extracted
————11y——
AGRONOMY CAPITAL ADVISORS LIMITED→
05715092 · est 2006 · no financials extracted
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2014-03-20
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Second Floor
3 Liverpool Gardens
Worthing
West Sussex
BN11 1TF
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-06
Last: 2026-03-23

Officers (2 active · 2 resigned)

MOY, Anna Elizabeth→
secretary · appointed 2025-03-12
View their other companies + combined net worth →
Active
MOY, Deborah Jane→
director · ~65y · appointed 2014-03-20
View their other companies + combined net worth →
Active
MOY, Deborah Jane→
secretary · appointed 2014-03-20 · resigned 2025-03-12
Resigned
MOY, Adrian Paul→
director · ~64y · appointed 2014-03-20 · resigned 2024-12-01
Resigned

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

Recent filings (36 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-23
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-15
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-24
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-18
appoint-person-secretary-company-with-name-date
officers · AP03
2025-03-18
termination-secretary-company-with-name-termination-date
officers · TM02
2025-03-18
termination-director-company-with-name-termination-date
officers · TM01
2025-01-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-25
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-23
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-23
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-17