A & B FINANCIAL LTD

🌳Matureactive
09612017 · ltd · incorporated 2015-05-28
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
£-2.4k
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
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

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. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -74% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).

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
27 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.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £2,370
Cash draining
Cash down 74% YoY
Cash YoY
-74%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£4k
↓ 74% YoY
Net Worth
-£2k
↓ 132% YoY
Current Assets
£25k
↓ 30% YoY
Current Liabilities
—
-£2k£5k£13k£20k£28k£35kMay 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-05-312024-05-31
Total assets£14.5k£23.3k
Current assets£24.8k£35.4k
Cash£3.7k£14.2k
Debtors£21.1k£21.3k
Net assets£-2.4k£-1.0k

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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2025-10-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-11-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-11-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-06-29
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  6. 2022-06-29
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  7. 2022-06-29
    📄
    withdrawal-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC09
  8. 2021-08-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-07-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-08-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-01-04
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2019-01-04
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2019-01-01
    ➕
    GREEN, Brian appointed
    director
  14. 2018-12-31
    ➖
    SWANN, Nicola Anne resigned
    director
  15. 2018-08-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2017-09-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2017-01-06
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2016-06-21
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  19. 2015-05-28
    🏢
    Company incorporated
    As A & B FINANCIAL LTD
  20. 2015-05-28
    ➕
    BURNS, Andrew appointed
    director
  21. 2015-05-28
    ➕
    SWANN, Nicola Anne appointed
    director

Owner dependency

66/100
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 60 — approaching natural succession window.

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 60. 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
Mr Brian Green
Individual · British · DOB 09/1966 · age 60
25–50%
25–50%board control25-50% shares · 25-50% voting · board control01/06/2022
Mr Andrew Burns
Individual · British · DOB 07/1972 · age 54
25–50%
25–50%board control25-50% shares · 25-50% voting · board control01/06/2022

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

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
Incorporated2015-05-28
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

555 Smithdown Road
Liverpool
Merseyside
L15 5AF
United Kingdom

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-06-11
Last: 2025-05-28

Officers (2 active · 1 resigned)

BURNS, Andrew→
director · ~54y · appointed 2015-05-28
View their other companies + combined net worth →
Active
GREEN, Brian→
director · ~60y · appointed 2019-01-01
View their other companies + combined net worth →
Active
SWANN, Nicola Anne→
director · ~60y · appointed 2015-05-28 · resigned 2018-12-31
Resigned

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

Recent filings (27 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-28
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-06-29
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-06-29
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2022-06-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-28