ALBION FINANCIAL MANAGEMENT LTD
🌳Matureactive
09096236 · ltd · incorporated 2014-06-20
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£-178
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Accounting and auditing activities
Sector: Professional, scientific & technical
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 79/100 (strong), bankability 75/100. 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).
Data confidence
Overall: medium (79/100)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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
34 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 102Negative net assets
Liabilities exceed assets by £178
Net assets shrinking
Down £532 YoY
Cash YoY
-15%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£11k
↓ 15% YoY
Net Worth
-£178
↓ 150% YoY
Current Assets
£19k
↑ 10% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £170 | £373 |
| Current assets | £18.8k | £17.0k |
| Cash | £11.0k | £12.9k |
| Debtors | £7.8k | £4.1k |
| Net assets | £-178 | £354 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 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
2
filings
- • 1 confirmation-statement
- • 1 accounts
Last 180 days
3
filings
- • 1 confirmation-statement
- • 1 accounts
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2026-04-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-02-13➕KITCHIN, Diane May appointeddirector
- 2026-02-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-08-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-26📄capital-name-of-class-of-sharescapital · SH08
- 2021-03-26📄capital-name-of-class-of-sharescapital · SH08
- 2021-03-26📄capital-name-of-class-of-sharescapital · SH08
- 2021-03-26📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2021-03-26📄capital-name-of-class-of-sharescapital · SH08
- 2020-08-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-11-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-03-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-03-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2014-06-20🏢Company incorporatedAs ALBION FINANCIAL MANAGEMENT LTD
- 2014-06-20➕COUSINS, Ian appointeddirector
Owner dependency
71/100
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 61 — approaching natural succession window.
- +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
51/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ian Cousins Individual · Welsh · DOB 10/1966 · age 60 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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
Active · Professional services · CF postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AISYMMETRIX LTD→ 11155221 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AJP FAMILY LIMITED→ 11135467 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AKS INTERNATIONAL BUSINESS SOULUTIONS LTD→ 17064690 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AKSHARA LIVING LTD.→ 09808447 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ALA LOCUMS LIMITED→ 14470056 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ALBANY PENARTH FREEHOLD LIMITED→ 05727547 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| ALBANY SOLICITORS LIMITED→ 12475927 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ALBION ACCOUNTANCY SERVICES LIMITED→ 12069013 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ALBION BLAKE LIMITED→ 16413344 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALBION TALENT CONSULTING LIMITED→ 16691225 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALDERWICKS CONSULTANTS LIMITED→ 04753330 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| ALDRICH CAPITAL LTD→ 16444821 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2014-06-20
Jurisdictionengland-wales
Primary SIC69201 — Accounting and auditing activities
Registered office
30 Bardsey Crescent
Llanishen
Cardiff
CF14 5LA
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-05-05
Last: 2026-04-21
Officers (2 active · 0 resigned)
COUSINS, Ian→
Activedirector · ~60y · appointed 2014-06-20
View their other companies + combined net worth →
KITCHIN, Diane May→
Activedirector · ~61y · appointed 2026-02-13
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (34 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-05
appoint-person-director-company-with-name-date
officers · AP01
2026-02-13
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-11
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-14
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-23
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-21
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-01
confirmation-statement-with-updates
confirmation-statement · CS01
2021-05-27
capital-name-of-class-of-shares
capital · SH08
2021-03-26
capital-name-of-class-of-shares
capital · SH08
2021-03-26
capital-name-of-class-of-shares
capital · SH08
2021-03-26