OAKWOOD FINANCIAL SERVICES LTD

🌳Matureactive
09158230 · ltd · incorporated 2014-08-01
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 Mar 2025
Net worth
—
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
Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
5 officers (2 active, 5 linked, 5 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
57 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Average employees600600

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
1
filing
  • • 1 confirmation-statement
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2025-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-07-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-08-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-08-15
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2023-08-14
    ➖
    WHITFIELD, Ian Davidson resigned
    director
  6. 2023-05-03
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  7. 2023-05-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2023-02-20
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2023-02-18
    ➕
    WHITFIELD, Ian Davidson appointed
    director
  10. 2022-11-15
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  11. 2022-11-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2022-11-10
    📍
    move-registers-to-sail-company-with-new-address
    address · AD03
  13. 2022-11-10
    📍
    change-sail-address-company-with-new-address
    address · AD02
  14. 2022-10-03
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  15. 2022-10-03
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  16. 2022-10-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2022-10-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2022-10-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  19. 2022-10-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  20. 2022-09-29
    ➕
    BEART, Simon Delaval appointed
    director
  21. 2022-09-29
    ➕
    HEWITT, Robin John Greensted appointed
    director
  22. 2022-09-29
    ➖
    WHITFIELD, Ian Davidson resigned
    director
  23. 2022-07-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2022-06-17
    📄
    second-filing-capital-allotment-shares
    capital · RP04SH01
  25. 2021-09-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  26. 2014-11-13
    ➖
    RICHARDSON, John Peter resigned
    director
  27. 2014-08-01
    🏢
    Company incorporated
    As OAKWOOD FINANCIAL SERVICES LTD
  28. 2014-08-01
    ➕
    RICHARDSON, John Peter appointed
    director
  29. 2014-08-01
    ➕
    WHITFIELD, Ian Davidson appointed
    director

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

56/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Morningside Financial Services Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Morningside Financial Services Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
OAKWOOD FINANCIAL SERVICES LTD
This company · 09158230

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%
NameSharesVoting rightsNature of controlNotified
Morningside Financial Services Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control29/09/2022
2 historic (ceased) PSCs
  • Mr Ian Davidson Whitfieldceased 29/09/2022· 75-100% shares · 75-100% voting · board control
  • Jeli Limitedceased 31/03/2021· 75-100% 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
Incorporated2014-08-01
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Brennan House
Farnborough Aerospace Centre Business Park
Farnborough
GU14 6XR
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-06-14
Last: 2026-05-31

Officers (2 active · 3 resigned)

BEART, Simon Delaval→
director · ~68y · appointed 2022-09-29
View their other companies + combined net worth →
Active
HEWITT, Robin John Greensted→
director · ~52y · appointed 2022-09-29
View their other companies + combined net worth →
Active
RICHARDSON, John Peter→
director · ~60y · appointed 2014-08-01 · resigned 2014-11-13
Resigned
WHITFIELD, Ian Davidson→
director · ~65y · appointed 2023-02-18 · resigned 2023-08-14
Resigned
WHITFIELD, Ian Davidson→
director · ~65y · appointed 2014-08-01 · resigned 2022-09-29
Resigned

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

Recent filings (57 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-24
termination-director-company-with-name-termination-date
officers · TM01
2023-08-15
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-01
change-sail-address-company-with-old-address-new-address
address · AD02
2023-05-03
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-05-02
appoint-person-director-company-with-name-date
officers · AP01
2023-02-20
certificate-change-of-name-company
change-of-name · CERTNM
2022-11-15
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-11-14
move-registers-to-sail-company-with-new-address
address · AD03
2022-11-10
change-sail-address-company-with-new-address
address · AD02
2022-11-10