BREAKS WEALTH MANAGEMENT LIMITED

🌳Matureactive
09170812 · ltd · incorporated 2014-08-11
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 Aug 2025
Net worth
£-43.5k
book net assets
Opportunity
79/100
Strong
🔔
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (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
4 officers (4 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
32 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)
Negative net assets
Liabilities exceed assets by £43,489

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
-£43k
↓ 201% YoY
Current Assets
£35k
↓ 54% YoY
Current Liabilities
—
-£43k-£20k£4k£28k£51k£75kAug 2024Aug 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-08-312024-08-31
Total assets£-43.5k£-14.4k
Current assets£34.5k£75.2k
Net assets£-43.5k£-14.4k

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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2025-11-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-01-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-12-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2023-11-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-01-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-03-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2020-11-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-12-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2018-10-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-08-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2018-08-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2018-08-13
    📄
    change-corporate-director-company-with-change-date
    officers · CH02
  13. 2018-08-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  14. 2018-02-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2017-08-16
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  16. 2017-08-16
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  17. 2014-08-11
    🏢
    Company incorporated
    As BREAKS WEALTH MANAGEMENT LIMITED
  18. 2014-08-11
    ➕
    BREAKS, Paul Lindsay appointed
    director
  19. 2014-08-11
    ➕
    LLOYD, Sarah appointed
    director
  20. 2014-08-11
    ➕
    PEPPER, Christian John appointed
    director
  21. 2014-08-11
    ➕
    FINANCIAL OPTIONS WEALTH MANAGEMENT LTD appointed
    corporate-director

Owner dependency

70/100
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 name in company name: Company name contains director surname "BREAKS" — strong identity link between founder and business.
  • +Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

55/100
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.
  • 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.)

Group structure

Financial Options Wealth Management Limited holds 25-50% — a significant corporate investor but not a controlling parent.

🏛️
Financial Options Wealth Management Limited
Corporate parent · holds 25-50% shares
significant stake
⬇
BREAKS WEALTH MANAGEMENT LIMITED
This company · 09170812

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Paul Lindsay Breaks
Individual · British · DOB 09/1958 · age 68
50–75%
50–75%50-75% shares · 50-75% voting10/07/2016
Financial Options Wealth Management Limited
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting10/07/2016

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 →

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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
Incorporated2014-08-11
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

42 High Street
Walshaw
Bury
BL8 3AN
England

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-08-25
Last: 2025-08-11

Officers (4 active · 0 resigned)

BREAKS, Paul Lindsay→
director · ~68y · appointed 2014-08-11
View their other companies + combined net worth →
Active
LLOYD, Sarah→
director · ~49y · appointed 2014-08-11
View their other companies + combined net worth →
Active
PEPPER, Christian John→
director · ~53y · appointed 2014-08-11
View their other companies + combined net worth →
Active
FINANCIAL OPTIONS WEALTH MANAGEMENT LTD→
corporate-director · appointed 2014-08-11
View their other companies + combined net worth →
Active

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

Recent filings (32 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-12-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-21
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-11
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-19
accounts-with-accounts-type-micro-entity
accounts · AA
2020-11-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-13
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-08-19