IDEAL FINANCIAL OPTIONS LTD
🌳Matureactive
09134483 · ltd · incorporated 2014-07-16
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 5.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2026
Net worth
£95.1k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueActive trading company with a 71-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 80/100. Strong seller-intent signal (68/100, director aged 71). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · oldest 5.9y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
38 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £95,097
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£95k
↑ 44% YoY
Current Assets
£19k
↑ 86% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2026-03-31 | 2025-03-31 |
|---|---|---|
| Total assets | £187.8k | £174.1k |
| Current assets | £18.6k | £10.0k |
| Net assets | £95.1k | £66.2k |
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
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2026-04-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-04-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-06-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-06-15📄change-person-director-company-with-change-dateofficers · CH01
- 2021-04-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-23📄change-person-director-company-with-change-dateofficers · CH01
- 2020-12-23📄change-person-director-company-with-change-dateofficers · CH01
- 2020-12-23📄change-person-secretary-company-with-change-dateofficers · CH03
- 2020-11-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-10-21🔒Charge registered #2Lender: National Westminster Bank PLC
- 2020-09-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-09-14🔒Charge registered #1Lender: National Westminster Bank PLC
- 2020-06-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-05-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-05-03➕YOUNGER, Paul appointeddirector
- 2019-04-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2014-07-16🏢Company incorporatedAs IDEAL FINANCIAL OPTIONS LTD
- 2014-07-16➕RAMSAY, Kathleen Jean appointedsecretary
- 2014-07-16➕RAMSAY, Gordon Frank Rea appointeddirector
Owner dependency
73/100
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.
- +Founder age: Director aged approximately 71 — succession pressure is live.
Succession & seller-readiness
79/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Paul Younger Individual · British · DOB 11/1981 · age 45 | 25–50% | 25–50% | board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence · firm interest | 01/01/2020 |
Mr Gordon Frank Rea Ramsay Individual · British · DOB 01/1955 · age 71 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 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 · Financial services · YO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| FIRST SOVEREIGN PROJECTS LIMITED→ 12591799 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| GROW INVEST LTD→ 13304561 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| GROWTH PARTNER VENTURES LIMITED→ 15581319 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| GW FINANCIAL MANAGEMENT LTD→ 07937117 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| HALLGARTH WEALTH PLANNING (YORKSHIRE) LTD→ 11923820 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| HARPIN FINCO LIMITED→ 14541666 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| HINCHLIFFE FINANCIAL SERVICES LTD→ 13759451 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| HSEINVESTMENTS LIMITED→ 07424370 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| I.T. SPARK LIMITED→ 11285474 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| I24 INVESTMENTS LIMITED→ 16013697 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| INFINITE FINANCIAL LIMITED→ 14011194 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| INFINITE WILLS AND ESTATE PLANNING LIMITED→ 14427727 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2014-07-16
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
23 Finkle Street
Selby
North Yorkshire
YO8 4DT
Filing status
Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-07-13
Last: 2026-06-29
Officers (3 active · 0 resigned)
RAMSAY, Kathleen Jean→
Activesecretary · appointed 2014-07-16
View their other companies + combined net worth →
RAMSAY, Gordon Frank Rea→
Activedirector · ~71y · appointed 2014-07-16
View their other companies + combined net worth →
YOUNGER, Paul→
Activedirector · ~45y · appointed 2019-05-03
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 21/10/2020 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 14/09/2020 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (38 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-07-10
accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-02
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-29
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-29
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-29
change-person-director-company-with-change-date
officers · CH01
2021-06-15
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-13
change-person-director-company-with-change-date
officers · CH01
2020-12-23
change-person-director-company-with-change-date
officers · CH01
2020-12-23