ARCHERS FINANCIAL SERVICES LIMITED

💤Zombieactive

08995362 · ltd · incorporated 2014-04-14

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 Sept 2024

Net worth

£-1.6k

book net assets

Opportunity

78/100

Strong

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What this business does

Primary activity: Life insurance

Sector: Financial & insurance

ALSO REGISTERED FOR

65120Non-life insurance
65300Pension funding

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 66). 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 (78/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 3 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

1 officers (1 active, 1 linked, 1 with DOB)

Ownership & PSC

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

Director network

Network not yet resolved

Filing history

29 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Negative net assets

Liabilities exceed assets by £1,581

Net assets shrinking

Down £2,941 YoY

Cash YoY

+30655%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£6k

↑ 30655% YoY

Net Worth

-£2k

↓ 216% YoY

Current Assets

£265k

↓ 7.9% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2024-09-30	2023-09-30
Total assets	£57.6k	£96.5k
Current assets	£265.5k	£288.1k
Cash	£6.2k	£20
Debtors	£259.3k	£288.1k
Net assets	£-1.6k	£1.4k

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

filing

• 1 confirmation-statement

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (16 events)Click to expand

2025-06-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-06
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-06-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-05-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-02-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-07-31
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2017-07-26
📄
accounts-with-accounts-type-dormant
accounts · AA
2017-04-30
📄
change-account-reference-date-company-current-shortened
accounts · AA01
2016-06-15
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2016-04-21
📄
accounts-with-accounts-type-dormant
accounts · AA
2015-07-23
📄
change-account-reference-date-company-current-shortened
accounts · AA01
2014-04-14
🏢
Company incorporated
As ARCHERS FINANCIAL SERVICES LIMITED
2014-04-14
➕
SAINSBURY, Noel William appointed
director

Owner dependency

95/100

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 66 — succession pressure is live.
+No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.

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 66. 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%

Name	Shares	Voting rights	Nature of control	Notified
Mr Noel William Sainsbury Individual · British · DOB 01/1960 · age 66	75–100%	—	75-100% shares	06/04/2016

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

Similar companies

Active · Financial services · EN postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
A ROGERS PROTECTION LTD→ 14671157 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
ABBI FINANCIAL LIMITED→ 11531223 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
ACCENDO MARKETS LIMITED→ 06417051 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
ACCESS BRIDGING FINANCE LIMITED→ 05684143 · est 2006 · no financials extracted	—	—	—	—	20y	—	—
ACREPLAN FINANCE LTD→ 10056731 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
ADE2 LIMITED→ 16105735 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ADVICE 1ST LIMITED→ 15250756 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ANASA PROTECT LTD→ 15492518 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
APPLE TREE LIFE SCIENCES (UK) LIMITED→ 12175598 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
APPLY MORTGAGES LTD→ 11593020 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
ARBJ INVESTMENTS LTD→ 14469237 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
ARCO COMMERCIAL FINANCE LTD→ 08069633 · est 2012 · no financials extracted	—	—	—	—	13y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2014-04-14

Jurisdictionengland-wales

Primary SIC65110 — Life insurance

Registered office

1 Windmill Hill

Enfield

Middlesex

EN2 6SE

Filing status

Accounts

Next due: 2026-06-30

Last made up to: 2024-09-30

Confirmation statement

Next due: 2027-05-12

Last: 2026-04-28

Officers (1 active · 0 resigned)

SAINSBURY, Noel William→

director · ~66y · appointed 2014-04-14

View their other companies + combined net worth →

Active

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