4WARD THINKING GROUP LTD
🌳Matureactive
09648442 · ltd · incorporated 2015-06-19
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 Oct 2024
Net worth
£939.2k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -94% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
3 live charges · oldest 9.1y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 9.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (80/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
50 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
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
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £939,175
Cash draining
Cash down 94% YoY
Cash YoY
-94%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£3k
↓ 94% YoY
Net Worth
£939k
↑ 32915% YoY
Current Assets
£13k
↓ 79% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £2.95M | £2.11M |
| Current assets | £12.5k | £60.4k |
| Cash | £3.1k | £49.9k |
| Debtors | £9.4k | £10.5k |
| Net assets | £939.2k | £-2.9k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
0
filings
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-06-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-07-27📄change-person-director-company-with-change-dateofficers · CH01
- 2021-09-15📄gazette-filings-brought-up-to-dategazette · DISS40
- 2021-09-13📄change-person-secretary-company-with-change-dateofficers · CH03
- 2021-09-13📄change-person-director-company-with-change-dateofficers · CH01
- 2021-09-13📄change-person-secretary-company-with-change-dateofficers · CH03
- 2021-09-07📄gazette-notice-compulsorygazette · GAZ1
- 2021-06-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-01-05📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2020-11-06📄resolutionresolution · RESOLUTIONS
- 2020-11-05📄capital-alter-shares-subdivisioncapital · SH02
- 2020-11-05📄resolutionresolution · RESOLUTIONS
- 2020-11-05📄memorandum-articlesincorporation · MA
- 2020-11-05📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2020-11-05📄capital-name-of-class-of-sharescapital · SH08
- 2020-10-26➕UPPAKARN, Watcharaporn appointeddirector
- 2017-12-07🔒Charge registered #3Lender: Lloyds Bank PLC
- 2017-05-31🔒Charge registered #2Lender: Lloyds Bank PLC
- 2017-04-10🔒Charge registered #1Lender: Lloyds Bank PLC
- 2015-06-19🏢Company incorporatedAs 4WARD THINKING GROUP LTD
- 2015-06-19➕MACKRELL, Adam James appointedsecretary
- 2015-06-19➕MACKRELL, Adam James appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome 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 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
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Watcharaporn Uppakarn Individual · Thai · DOB 02/1984 · age 42 | 75–100% | — | 75-100% shares | 26/10/2020 |
Mr Adam James Mackrell Individual · English · DOB 04/1978 · age 48 | — | 75–100% | board control75-100% voting · board control | 06/04/2016 |
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 →Similar companies
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|---|---|---|---|---|---|---|---|
| 198 FINANCE LIMITED→ 11338132 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 21159C LIMITED→ 08704513 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| 4FORTY3THREE LTD→ 08766999 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| 9MONEY LIMITED→ 15685057 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AAA UNDERWRITING LIMITED→ 06984874 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| AAM SERVICES (UK) LIMITED→ 04293761 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| AARON NORTHRIDGE LIMITED→ 12245027 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ABBEY FARM INVESTMENTS LTD→ 11712505 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ABBEY HOUSE MORTGAGES LTD→ 14891912 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABC HOLDCO II LTD→ 13135640 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ABC HOLDCO LTD→ 09120205 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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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
Incorporated2015-06-19
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
550 Valley Road
Nottingham
NG5 1JJ
England
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-07-03
Last: 2025-06-19
Officers (3 active · 0 resigned)
MACKRELL, Adam James→
Activesecretary · appointed 2015-06-19
View their other companies + combined net worth →
MACKRELL, Adam James→
Activedirector · ~48y · appointed 2015-06-19
View their other companies + combined net worth →
UPPAKARN, Watcharaporn→
Activedirector · ~42y · appointed 2020-10-26
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 3 properties | 07/12/2017 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 31/05/2017 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 10/04/2017 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (50 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-09-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-07-27
change-person-director-company-with-change-date
officers · CH01
2022-07-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-30
gazette-filings-brought-up-to-date
gazette · DISS40
2021-09-15
confirmation-statement-with-updates
confirmation-statement · CS01
2021-09-14
change-person-secretary-company-with-change-date
officers · CH03
2021-09-13
change-person-director-company-with-change-date
officers · CH01
2021-09-13