ASPEN FINANCIAL ADVICE LTD

🌳Matureactive
09245871 · 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
—
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Turnover
—
not disclosed
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
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 (57/100)

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
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
29 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.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
  1. 2025-12-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-23
    📄
    capital-alter-shares-subdivision
    capital · SH02
  3. 2025-04-23
    📄
    capital-name-of-class-of-shares
    capital · SH08
  4. 2025-04-23
    📄
    memorandum-articles
    incorporation · MA
  5. 2025-04-01
    📄
    capital-allotment-shares
    capital · SH01
  6. 2024-11-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-12-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2022-12-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2021-12-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2021-01-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2019-08-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2018-12-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2017-12-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2017-01-10
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-02-02
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2014-10-02
    🏢
    Company incorporated
    As ASPEN FINANCIAL ADVICE LTD
  17. 2014-10-02
    ➕
    HUNT, David Peter appointed
    director
  18. 2014-10-02
    ➕
    HUNT, Tracy Louise appointed
    director

Owner dependency

79/100
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 58 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +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 signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mrs Tracy Louise Hunt
Individual · British · DOB 12/1969 · age 57
50–75%
50–75%board controlsig. influence50-75% shares · 50-75% voting · board control · significant influence · firm interest02/10/2016
Mr David Peter Hunt
Individual · British · DOB 11/1968 · age 58
25–50%
25–50%sig. influence25-50% shares · 25-50% voting · significant influence02/10/2016

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.

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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 →
🔒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.

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Company details

Statusactive
Typeltd
Incorporated2014-10-02
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

1 Lashlake Road
Thame
Oxfordshire
OX9 3BA

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-14
Last: 2025-09-30

Officers (2 active · 0 resigned)

HUNT, David Peter→
director · ~58y · appointed 2014-10-02
View their other companies + combined net worth →
Active
HUNT, Tracy Louise→
director · ~57y · appointed 2014-10-02
View their other companies + combined net worth →
Active

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

Recent filings (29 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-30
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-23
capital-alter-shares-subdivision
capital · SH02
2025-04-23
capital-name-of-class-of-shares
capital · SH08
2025-04-23
memorandum-articles
incorporation · MA
2025-04-23
capital-allotment-shares
capital · SH01
2025-04-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-03
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-02
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-06
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-01
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-08