448 LIMITED

🌳Matureactive
09430274 · ltd · incorporated 2015-02-09
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 Feb 2025
Net worth
£2.49M
book net assets
Opportunity
77/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 65-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: high (81/100)

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
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
6 connected companies via shared directors
63
Filing history
41 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £2,485,890
Cash YoY
+106%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£943k
↑ 106% YoY
Net Worth
£2.5m
↑ 33% YoY
Current Assets
£8.4m
↑ 10% YoY
Current Liabilities
—
£0£1.7m£3.4m£5.1m£6.8m£8.4mFeb 2024Feb 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-02-282024-02-28
Total assets£2.49M£1.88M
Current assets£8.45M£7.68M
Cash£943.5k£458.4k
Debtors£7.51M£7.22M
Net assets£2.49M£1.88M

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
2
filings
  • • 1 confirmation-statement
  • • 1 officers
Last 180 days
3
filings
  • • 1 confirmation-statement
  • • 1 officers
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2026-02-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2025-12-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-11-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-10-30
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2024-10-30
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2024-10-30
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2024-10-22
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2024-10-21
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2024-10-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2024-10-21
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2024-10-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2024-10-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2023-11-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2022-11-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-11-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2021-03-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2021-02-01
    ➕
    DEWINTER, Judith Frances appointed
    director
  18. 2021-01-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2019-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2015-02-09
    🏢
    Company incorporated
    As 448 LIMITED
  21. 2015-02-09
    ➕
    DEWINTER, Paul Russell appointed
    director

Owner dependency

86/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.

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 65. 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

1 low
Multiple registered office changes
low

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

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Judith Frances Dewinter
Individual · British · DOB 01/1965 · age 61
25–50%
25–50%25-50% shares · 25-50% voting09/01/2019
Mr Paul Russell Dewinter
Individual · British · DOB 01/1961 · age 65
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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
Incorporated2015-02-09
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

First Floor, 314 Regents Park Road
Finchley
London
N3 2LT
United Kingdom

Filing status

Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-02-23
Last: 2026-02-09

Officers (2 active · 0 resigned)

DEWINTER, Judith Frances→
director · ~61y · appointed 2021-02-01
View their other companies + combined net worth →
Active
DEWINTER, Paul Russell→
director · ~65y · appointed 2015-02-09
View their other companies + combined net worth →
Active

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

Recent filings (41 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-12
change-person-director-company-with-change-date
officers · CH01
2026-02-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-01
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-30
change-person-director-company-with-change-date
officers · CH01
2024-10-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-30
change-person-director-company-with-change-date
officers · CH01
2024-10-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-10-21
change-person-director-company-with-change-date
officers · CH01
2024-10-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-10-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-21
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-19