MEDICAL & GENERAL INDEPENDENT FINANCIAL ADVISERS LTD
Opportunity 75/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (65/100).
Refinance opportunity
1 live charge · oldest 2.6y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 2.6 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (72/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-04-30 |
|---|---|
| Average employees | 1400 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 resolution
- • 1 incorporation
- • 1 resolution
- • 1 incorporation
- • 1 mortgage
Corporate timeline (27 events)Click to expand
- 2026-05-03📄resolutionresolution · RESOLUTIONS
- 2026-05-03📄memorandum-articlesincorporation · MA
- 2026-04-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-16🔓Charge satisfied #1
- 2026-04-15📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2026-04-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-04-15📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2026-04-02➖HARMS, Helen Elizabeth resignedsecretary
- 2025-08-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-13📄memorandum-articlesincorporation · MA
- 2025-05-13📄resolutionresolution · RESOLUTIONS
- 2025-01-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-12-18📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-12-15🔒Charge registered #1Lender: Vertus Capital SPV1 Limited
- 2023-11-01📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-10-24📄resolutionresolution · RESOLUTIONS
- 2022-07-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-10-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-11-23📄change-person-director-company-with-change-dateofficers · CH01
- 2020-08-12📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-04-06➕HARMS, Helen Elizabeth appointedsecretary
- 2014-11-24➖HARMS, Helen Elizabeth resigneddirector
- 2014-04-01🏢Company incorporatedAs MEDICAL & GENERAL INDEPENDENT FINANCIAL ADVISERS LTD
- 2014-04-01➕HARMS, Michael David appointeddirector
- 2014-04-01➕HARMS, Helen Elizabeth appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- 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
cleanGroup structure
Greenways Wealth Management Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Greenways Wealth Management Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 12/10/2023 |
1 historic (ceased) PSC
- Mr Michael David Harmsceased 12/10/2023· 75-100% shares · 75-100% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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 · SE postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BTCDANA GLOBAL TRADING LTD→ 15924251 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CABRERA CONSULTING LTD→ 07713688 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CAICAI LIMITED→ 15156688 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CALVIN ROBERTS ENTERPRISE LTD→ 09941861 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| CAMOVA LIMITED→ 11323256 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CANTILEVER RISK ADVISORY LIMITED→ 16827328 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CAPACITY PLACE LIMITED→ 12355743 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CARMICHAEL INVESTMENTS LTD→ 11605460 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CCI AIT LIMITED→ 12210904 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CCI LR LIMITED→ 12210728 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CEDARCROSS LIMITED→ 02669560 · est 1991 · no financials extracted | — | — | — | — | 34y | — | — |
| CENTRIX MANAGEMENT LIMITED→ 11973861 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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 →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
Registered office
Filing status
Officers (1 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Vertus Capital SPV1 Vertus Capital SPV1 Limited | A registered charge | — | 15/12/2023 | 16/04/2026 |