AL SPALL FINANCIAL SERVICES LIMITED
🌳Matureactive
09591256 · ltd · incorporated 2015-05-14
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£76.3k
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 73/100 (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: 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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
24 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 102Positive net assets
Net assets £76,310
Cash YoY
+33%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£110k
↑ 33% YoY
Net Worth
£76k
↑ 15% YoY
Current Assets
£112k
↑ 32% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £76.3k | £66.6k |
| Current assets | £112.3k | £85.2k |
| Cash | £110.3k | £83.2k |
| Debtors | £2.0k | £2.0k |
| Net assets | £76.3k | £66.6k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-10-01➕SPALL, Kate appointeddirector
- 2018-10-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-09-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-03-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-01-24📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-05-16📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-05-16📄change-person-director-company-with-change-dateofficers · CH01
- 2016-03-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2015-05-14🏢Company incorporatedAs AL SPALL FINANCIAL SERVICES LIMITED
- 2015-05-14➕SPALL, Al appointeddirector
- 2015-05-14📄incorporation-companyincorporation · NEWINC
Owner dependency
86/100
Critical — business is the founderThe 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 name in company name: Company name contains director surname "SPALL" — strong identity link between founder and business.
- +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
41/100
Moderate signalSome 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
cleanNo 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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Al Spall Individual · British · DOB 01/1976 · age 50 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/01/2017 |
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 · YO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1898 C1 LTD→ 13698011 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| A1 INSURANCE SERVICES LIMITED→ 02299204 · est 1988 · no financials extracted | — | — | — | — | 37y | — | — |
| ABERDEEN ENTERPRISE FINANCE LIMITED→ 06662401 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ACORN ASSESSORS LIMITED→ 03552937 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| ADNFC FINANCIAL CONSULTANTS LTD→ 11968206 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ADVANCED INHERITANCE LIMITED→ 14906733 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ADVIN SPV1 LIMITED→ 15425921 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ADVISERHOME LIMITED→ 07565978 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| AEF (MALTON) LIMITED→ 07637323 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| AGE UK YORK ENTERPRISES LTD→ 04684417 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| ALAIB LIMITED→ 06833207 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| ALARMBUILD LIMITED→ 04497593 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
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
Incorporated2015-05-14
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
2 Mitchell Way
York
YO30 4SW
England
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-05-28
Last: 2025-05-14
Officers (2 active · 0 resigned)
Active
Active
Click a director name to see their full track record across all companies.
Recent filings (24 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-08-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-05-16
appoint-person-director-company-with-name-date
officers · AP01
2018-10-01