ALAN SMALL FINANCIAL SERVICES LIMITED
🌳Matureactive
09718388 · ltd · incorporated 2015-08-05
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 Aug 2025
Net worth
£-1.9k
book net assets
Opportunity
73/100
Strong
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 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 (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
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)Negative net assets
Liabilities exceed assets by £1,934
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
-£2k
↑ 69% YoY
Current Assets
£96k
↑ 63% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Total assets | £36.9k | £24.5k |
| Current assets | £96.0k | £58.8k |
| Net assets | £-1.9k | £-6.3k |
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
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
6
filings
- • 2 officers
- • 2 persons-with-significant-control
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2026-05-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-01-09📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-09📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-01-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-01-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-08-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-02-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-05-19📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-05-17📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-06-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-06-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-06-01📄change-person-director-company-with-change-dateofficers · CH01
- 2018-06-01📄change-person-director-company-with-change-dateofficers · CH01
- 2015-08-05🏢Company incorporatedAs ALAN SMALL FINANCIAL SERVICES LIMITED
- 2015-08-05➕SMALL, Alan Christopher appointeddirector
- 2015-08-05➕SMALL, Sara appointeddirector
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 "SMALL" — 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alan Christopher Small Individual · British · DOB 07/1979 · age 47 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Sara Small Individual · British · DOB 12/1980 · age 46 | 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
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|---|---|---|---|---|---|---|---|
| 313 COMMERCIAL LTD→ 12581353 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ACTIVE INDIVIDUAL MORTGAGE SOLUTIONS LIMITED→ 12943228 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ADBAC INVESTMENTS LIMITED→ 13925565 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AF3CA LTD→ 14608819 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| AIMEE FINANCIAL LTD→ 12148167 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AJW HOLDINGS GROUP LTD→ 16450255 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALL MINE INVESTMENTS LIMITED→ 17072442 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ANDREW G BELL FINANCIAL SOLUTIONS LIMITED→ 08820045 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| AQUIATOS→ 12215718 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ARMAND NETWORKS LTD→ 10414691 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ARMSTRONG NATIONWIDE LTD.→ 03919924 · est 2000 · no financials extracted | — | — | — | — | 26y | — | — |
| ASF A2 NOMINEE 1 LIMITED→ 17007014 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2015-08-05
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
16 16 David Close
Tanfield
Stanley
County Durham
DH9 9BZ
England
Filing status
Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-08-18
Last: 2025-08-04
Officers (2 active · 0 resigned)
SMALL, Alan Christopher→
Activedirector · ~47y · appointed 2015-08-05
View their other companies + combined net worth →
Active
Click a director name to see their full track record across all companies.
Recent filings (32 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-26
change-person-director-company-with-change-date
officers · CH01
2026-01-09
change-person-director-company-with-change-date
officers · CH01
2026-01-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-01-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-27
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-21
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-01
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-09
accounts-with-accounts-type-micro-entity
accounts · AA
2022-02-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-30