BEYOND ADVICE GROUP LTD

🌳Matureactive

09305214 · ltd · incorporated 2014-11-11

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.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 4.5y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2025

Net worth

—

book net assets

Opportunity

76/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

ALSO REGISTERED FOR

66220Activities of insurance agents and brokers

Investor take

Pursue

Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 76/100 (strong), bankability 85/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 4.5y

75/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Charge age ~4.5 years — mid-life; refi window approaching.
· Single lender — cleanest path to refinance.
· Legal-friction score 23/100 — clean.

Data confidence

Overall: high (82/100)

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

Company profile

address, 2 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

14 officers (5 active, 14 linked, 14 with DOB)

Ownership & PSC

1 active PSC(s) of 8 total, 8 with control declared

Director network

9 connected companies via shared directors

Filing history

87 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

76/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-12-31	2024-12-31
Average employees	27	2000

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

filing

• 1 accounts

Last 90 days

filings

• 1 accounts
• 1 confirmation-statement

Last 180 days

filings

• 2 persons-with-significant-control
• 2 officers
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (48 events)Click to expand

2026-06-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-23
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-02-23
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-04
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-03
📄
change-person-director-company-with-change-date
officers · CH01
2026-02-03
📄
change-person-director-company-with-change-date
officers · CH01
2026-01-19
📄
memorandum-articles
incorporation · MA
2026-01-19
📄
resolution
resolution · RESOLUTIONS
2026-01-19
📄
capital-alter-shares-subdivision
capital · SH02
2026-01-14
📄
capital-allotment-shares
capital · SH01
2025-12-15
✏️
certificate-change-of-name-company
change-of-name · CERTNM
2025-09-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-03
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-04
➕
HORNBY, Michael John appointed
director
2025-06-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-10-22
📄
capital-variation-of-rights-attached-to-shares
capital · SH10
2024-10-19
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-10-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-10-18
➕
CLOUGH, Daniel appointed
director
2024-10-18
➖
DAWSON, Barrie John resigned
director
2024-09-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-04
➕
SMITH, Thomas Peter appointed
director
2024-06-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-09-29
📄
capital-variation-of-rights-attached-to-shares
capital · SH10
2023-09-29
📄
memorandum-articles
incorporation · MA
2023-09-29
📄
resolution
resolution · RESOLUTIONS
2023-09-20
➖
CLOUGH, Daniel resigned
director
2023-09-20
➖
SMITH, Thomas Peter resigned
director
2023-07-17
🔓
Charge satisfied #1
2022-05-01
➕
CLOUGH, Daniel appointed
director
2022-04-30
➖
JOHNSON, Michael James resigned
director
2022-01-20
🔒
Charge registered #1
Lender: Smith, Law & Shepherds I.F.A. Limited (In Administration) Acting by Its Administrators Jason Elliott and Craig Johns
2022-01-19
➕
SMITH, Thomas Peter appointed
director
2022-01-01
➕
DAWSON, David John appointed
director
2022-01-01
➕
DAWSON, Barrie John appointed
director
2018-09-07
➕
ATHERTON, Anthony David appointed
director
2018-09-07
➖
WHITEHEAD, Lee Brian resigned
director
2018-09-01
➖
DRUMMOND, Michael Joseph resigned
director
2016-05-30
➖
ASTON, Carole resigned
director
2015-01-26
➕
ASTON, Carole appointed
director
2015-01-26
➕
DRUMMOND, Michael Joseph appointed
director
2015-01-26
➖
DRUMMOND, Patricia Anne resigned
director
2015-01-26
➕
JOHNSON, Michael James appointed
director
2015-01-26
➕
WHITEHEAD, Lee Brian appointed
director
2015-01-26
➖
WHITEHEAD, Lorraine Elizabeth resigned
director
2014-11-11
🏢
Company incorporated
As BEYOND ADVICE GROUP LTD
2014-11-11
➕
DRUMMOND, Patricia Anne appointed
director
2014-11-11
➕
WHITEHEAD, Lorraine Elizabeth appointed
director

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

50/100

Moderate signal

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.

Red flags

1 med · 1 low

Name changed recently

medium

Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.

Evidence: 2025-12-15: certificate-change-of-name-company

Multiple registered office changes

low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr Anthony David Atherton Individual · British · DOB 03/1958 · age 68	—	—	sig. influencesignificant influence	13/06/2023

7 historic (ceased) PSCs

Mr David John Dawsonceased 23/02/2026· 25-50% voting
Mr Anthony David Athertonceased 21/04/2021· 25-50% shares · 25-50% voting
Mr Michael James Johnsonceased 20/03/2020· significant influence
Mr Anthony David Athertonceased 20/03/2020· 25-50% shares
Mr Michael James Johnsonceased 21/04/2021· 25-50% shares · 25-50% voting
Mr Lee Brian Whiteheadceased 09/04/2019· 25-50% shares · 25-50% voting
Mr Michael Joseph Drummondceased 15/03/2018· 25-50% shares · 25-50% voting

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 · L postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
AFFINITY FINANCIAL AWARENESS LIMITED→ 05246999 · est 2004 · no financials extracted	—	—	—	—	21y	—	—
ASSURED COVER LTD→ 11162610 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
BFS MARINE FINANCE (UK) LIMITED→ 14546321 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
BIBBY FACTORS LEICESTER LIMITED→ 02989348 · est 1994 · no financials extracted	—	—	—	—	31y	—	—
BIBBY FACTORS LIMITED→ 00584342 · est 1957 · no financials extracted	—	—	—	—	68y	—	—
BIBBY FACTORS SLOUGH LIMITED→ 02617760 · est 1991 · no financials extracted	—	—	—	—	34y	—	—
BIBBY FACTORS SUSSEX LIMITED→ 03847904 · est 1999 · no financials extracted	—	—	—	—	26y	—	—
BIBBY FINANCE SOLUTIONS LTD→ 07004375 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
BIBBY FINANCIAL SERVICES (FX) LIMITED→ 09343375 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
BIBBY FOREIGN EXCHANGE LIMITED→ 09353026 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
BIBBY INVOICE DISCOUNTING LIMITED→ 04105467 · est 2000 · no financials extracted	—	—	—	—	25y	—	—
BIBBY LEASING LIMITED→ 00588708 · est 1957 · no financials extracted	—	—	—	—	68y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2014-11-11

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

3rd Floor, Helix

Edmund Street

Liverpool

L3 9NY

United Kingdom

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2027-05-10

Last: 2026-04-26