FOCUS FINANCIAL (NE) LIMITED

🌳Matureactive
09576451 · ltd · incorporated 2015-05-06
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 May 2025
Net worth
£16.5k
book net assets
Opportunity
73/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 73/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: medium (79/100)

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
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
73/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £16,461

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£16k
↑ 1646% YoY
Current Assets
£51k
↑ 9.7% YoY
Current Liabilities
—
£0£10k£20k£30k£40k£51kMay 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-05-312024-05-31
Total assets£17.2k£943
Current assets£50.6k£46.1k
Net assets£16.5k£943

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
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2026-05-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-05-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-05-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-06-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2023-05-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-05-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-05-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-07-10
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  9. 2020-07-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2020-07-08
    ➕
    COOPER, Sarah Leigh appointed
    director
  11. 2020-06-25
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2020-02-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2019-05-20
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  14. 2019-02-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2018-05-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2018-04-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2017-07-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2017-07-01
    ➖
    CHARNOCK, Janeczka resigned
    director
  19. 2015-05-06
    🏢
    Company incorporated
    As FOCUS FINANCIAL (NE) LIMITED
  20. 2015-05-06
    ➕
    PEARSON, Christopher appointed
    director
  21. 2015-05-06
    ➕
    CHARNOCK, Janeczka appointed
    director

Owner dependency

58/100
Moderate — manageable with handover

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

41/100
Moderate signal

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

SIGNALS
  • 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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Christopher Pearson
Individual · British · DOB 11/1977 · age 49
75–100%
—75-100% shares06/04/2016
Ms Sarah Leigh Cooper
Individual · British · DOB 08/1982 · age 44
50–75%
50–75%50-75% shares · 50-75% voting08/07/2020

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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06672742 · est 2008 · no financials extracted
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10548553 · est 2017 · no financials extracted
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FRETILLER INVESTMENTS LIMITED→
15450255 · est 2024 · no financials extracted
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G STILLER (TRANSPORT) LIMITED→
11841918 · est 2019 · no financials extracted
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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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2015-05-06
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

6 The Avenue
Richmond
North Yorkshire
DL10 7AZ
England

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-12-14
Last: 2025-11-30

Officers (2 active · 1 resigned)

COOPER, Sarah Leigh→
director · ~44y · appointed 2020-07-08
View their other companies + combined net worth →
Active
PEARSON, Christopher→
director · ~49y · appointed 2015-05-06
View their other companies + combined net worth →
Active
CHARNOCK, Janeczka→
director · ~53y · appointed 2015-05-06 · resigned 2017-07-01
Resigned

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

Recent filings (29 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-31
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-31
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-10
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-31
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-06-15
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-31
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-13
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-31
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-14
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-29
confirmation-statement-with-updates
confirmation-statement · CS01
2021-01-14
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2020-07-10
appoint-person-director-company-with-name-date
officers · AP01
2020-07-09