B4U FINANCIAL SERVICES LIMITED
🌳Matureactive
09699384 · ltd · incorporated 2015-07-23
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 Sept 2025
Net worth
£8.3k
book net assets
Opportunity
79/100
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 79/100 (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: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (78/100)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
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
32 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 declaredPositive net assets
Net assets £8,258
Net assets shrinking
Down £10,714 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£8k
↓ 56% YoY
Current Assets
£71k
↓ 4.4% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £29.6k | £34.9k |
| Current assets | £70.7k | £73.9k |
| Net assets | £8.3k | £19.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2026-02-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-01-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-04📄change-person-director-company-with-change-dateofficers · CH01
- 2022-05-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-11-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-07-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-06-20📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2018-11-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-09-20📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2018-07-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-07-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-04-19📍move-registers-to-sail-company-with-new-addressaddress · AD03
- 2018-04-19📍change-sail-address-company-with-new-addressaddress · AD02
- 2016-05-22➕MOORE, Marie Joan appointeddirector
- 2015-07-23🏢Company incorporatedAs B4U FINANCIAL SERVICES LIMITED
- 2015-07-23➕MOORE, David appointeddirector
Owner dependency
79/100
High — earn-out structure requiredMaterial 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 64 — approaching natural succession window.
- +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 signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. 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
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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David Moore Individual · British · DOB 05/1962 · age 64 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Marie Joan Moore Individual · British · DOB 05/1962 · age 64 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · TQ postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| HISTORICAL INVESTMENTS LIMITED→ 12234991 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| HULAHOLDINGS LIMITED→ 13119209 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| JDCD FINANCIAL CONSULTANCY LIMITED→ 05868520 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| KDM SECURITY LIMITED→ 11098662 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| KENMART REALTY LIMITED→ 11010356 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| LARKSPUR FINANCIAL LIMITED→ 16185946 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| LAURA DOBBIN MORTGAGE BROKER LIMITED→ 11440954 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| LIFE SETTLEMENT ASSETS PLC→ 10918785 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| LIFETIME WEALTH LTD→ 10722496 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| LMW OAKMONT LIMITED→ 16560182 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| LOWRIE BROKERS LTD→ 16847168 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| M P WARREN LIMITED→ 04614572 · 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
Incorporated2015-07-23
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
22 Broadsands Road
Paignton
TQ4 6HQ
England
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-05-06
Last: 2026-04-22
Officers (2 active · 0 resigned)
MOORE, David→
Activedirector · ~64y · appointed 2015-07-23
View their other companies + combined net worth →
MOORE, Marie Joan→
Activedirector · ~64y · appointed 2016-05-22
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (32 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-23
accounts-with-accounts-type-micro-entity
accounts · AA
2026-02-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-22
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-21
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-13
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-04
change-person-director-company-with-change-date
officers · CH01
2022-07-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-04
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-01
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-14
accounts-with-accounts-type-micro-entity
accounts · AA
2019-11-28