GOLD REFLECT LIMITED

🌳Matureactive
09245115 · ltd · incorporated 2014-10-02
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 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

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 (78/100)

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
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
36 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£0Dec 2024Dec 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-12-312024-12-31
Average employees00

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
1
filing
  • • 1 confirmation-statement
Last 90 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
  1. 2026-04-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-08-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-09-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-06-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-09-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-11-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2020-12-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-02-18
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2019-05-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-09-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-09-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2017-01-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2017-01-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2014-10-06
    ➕
    REYNOLDS, Amanda Jayne appointed
    director
  15. 2014-10-06
    ➕
    REYNOLDS, Andrew appointed
    director
  16. 2014-10-06
    ➖
    STEPHENS, Graham Robertson resigned
    director
  17. 2014-10-02
    🏢
    Company incorporated
    As GOLD REFLECT LIMITED
  18. 2014-10-02
    ➕
    STEPHENS, Graham Robertson appointed
    director

Owner dependency

74/100
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.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

61/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr Andrew Reynolds
Individual · British · DOB 01/1962 · age 64
50–75%
—50-75% shares15/12/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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 →
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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.

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Company details

Statusactive
Typeltd
Incorporated2014-10-02
Jurisdictionengland-wales
Primary SIC65300 — Pension funding

Registered office

75 Mutley Plain
Plymouth
PL4 6JJ
England

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-06-06
Last: 2026-05-23

Officers (2 active · 1 resigned)

REYNOLDS, Amanda Jayne→
director · ~60y · appointed 2014-10-06
View their other companies + combined net worth →
Active
REYNOLDS, Andrew→
director · ~64y · appointed 2014-10-06
View their other companies + combined net worth →
Active
STEPHENS, Graham Robertson→
director · ~76y · appointed 2014-10-02 · resigned 2014-10-06
Resigned

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

Recent filings (36 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-07-15
accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-21
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-05
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-25
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-31
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-08
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-15
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-01
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-11