A & G FINANCE LIMITED

🌳Matureactive
09028079 · ltd · incorporated 2014-05-07
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£1.87M
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 83-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 83). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
16 connected companies via shared directors
90
Filing history
45 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £1,873,871

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
£1.9m
Current Assets
£1.0m
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2024-12-31
Total assets£1.87M
Current assets£1.04M
Net assets£1.87M

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 (23 events)Click to expand
  1. 2025-09-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-07-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-06-09
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2025-06-09
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2024-12-16
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  6. 2024-09-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2023-12-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2022-08-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2021-10-15
    📄
    capital-allotment-shares
    capital · SH01
  10. 2021-08-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2021-02-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2021-02-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2021-02-22
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  14. 2021-02-22
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  15. 2020-07-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2020-05-22
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  17. 2020-05-22
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  18. 2020-04-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2014-05-07
    🏢
    Company incorporated
    As A & G FINANCE LIMITED
  20. 2014-05-07
    ➕
    SWETMAN, Agnes Margaret appointed
    director
  21. 2014-05-07
    ➕
    SWETMAN, Graham Dudley appointed
    director
  22. 2014-05-07
    ➕
    SWETMAN, Mark Julian appointed
    director
  23. 2014-05-07
    ➕
    SWETMAN, Michael Dudley 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
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 83 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

73/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 83 years old. Natural succession window is now.
  • 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Graham Dudley Swetman
Individual · British · DOB 09/1943 · age 83
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mrs Agnes Margaret Swetman
Individual · British · DOB 04/1945 · age 81
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
2 historic (ceased) PSCs
  • Mr Graham Dudley Swetmanceased 18/05/2020· 25-50% shares
  • Mrs Agnes Margaret Swetmanceased 18/05/2020· 25-50% shares

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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
Incorporated2014-05-07
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

36a Station Road
New Milton
Hampshire
BH25 6JX

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-05-21
Last: 2026-05-07

Officers (4 active · 0 resigned)

SWETMAN, Agnes Margaret→
director · ~81y · appointed 2014-05-07
View their other companies + combined net worth →
Active
SWETMAN, Graham Dudley→
director · ~83y · appointed 2014-05-07
View their other companies + combined net worth →
Active
SWETMAN, Mark Julian→
director · ~51y · appointed 2014-05-07
View their other companies + combined net worth →
Active
SWETMAN, Michael Dudley→
director · ~54y · appointed 2014-05-07
View their other companies + combined net worth →
Active

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

Recent filings (45 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-07
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-19
change-person-director-company-with-change-date
officers · CH01
2025-07-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-06-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-06-09
change-account-reference-date-company-current-shortened
accounts · AA01
2024-12-16
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-20
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-13
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-11
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-12
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-22
confirmation-statement-with-updates
confirmation-statement · CS01
2022-05-11
capital-allotment-shares
capital · SH01
2021-10-15
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-31