ALMOND FINANCIAL LTD
🏛️Establishedactive
10318241 · ltd · incorporated 2016-08-08
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
£45.5k
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 73/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
2 live charges · oldest 2.7y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 2.7 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (81/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
47 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
65
Adequate — check latest filings for context.
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 · accounting standard not declaredPositive net assets
Net assets £45,507
Cash YoY
+163%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£2.4m
↑ 163% YoY
Net Worth
£46k
↑ 97% YoY
Current Assets
£2.8m
↑ 159% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Total assets | £4.41M | £1.63M |
| Current assets | £2.76M | £1.07M |
| Cash | £2.43M | £925.0k |
| Debtors | £163.7k | £91.7k |
| Net assets | £45.5k | £23.1k |
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
2
filings
- • 1 address
- • 1 confirmation-statement
Last 180 days
3
filings
- • 1 address
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2026-04-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-12📄capital-name-of-class-of-sharescapital · SH08
- 2024-07-12📄resolutionresolution · RESOLUTIONS
- 2024-07-12📄memorandum-articlesincorporation · MA
- 2024-07-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-10🔒Charge registered #2Lender: Quilter Financial Planning Limited
- 2024-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-30➕ASHBY, Emma Louise appointeddirector
- 2023-10-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-20🔒Charge registered #1Lender: Quilter Financial Planning Limited
- 2023-05-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-05-23📄change-person-director-company-with-change-dateofficers · CH01
- 2023-05-05📄change-person-director-company-with-change-dateofficers · CH01
- 2023-05-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-11-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-03-29📄change-person-director-company-with-change-dateofficers · CH01
- 2020-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-02➖KELSEY, Philip resigneddirector
- 2019-06-17➖ROBINSON, Sally Andrea resigneddirector
- 2019-06-01➕KELSEY, Philip appointeddirector
- 2016-08-08🏢Company incorporatedAs ALMOND FINANCIAL LTD
- 2016-08-08➕ROBINSON, Samuel appointeddirector
- 2016-08-08➕ROBINSON, Sally Andrea 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
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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 Samuel Robinson Individual · British · DOB 07/1985 · age 41 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 08/08/2016 |
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
Active · Financial services · LN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 3D MORTGAGES LTD→ 13225814 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 3R FINANCIAL ADVISERS LTD→ 12754370 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 3R FINANCIAL SERVICES LTD→ 08454259 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| 8013B LIMITED→ 12245974 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 949 INVESTMENTS LTD→ 17016943 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| A.WAUGH INSPECTIONS LTD→ 10703436 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ACF ACQUISITIONS 11 LIMITED→ 10209429 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ACF ADVISORY LIMITED→ 16547077 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AJOB BUSINESS FINANCE LIMITED→ 13179397 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ALTERNATIVE COMMERCIAL FINANCE LIMITED→ 08547499 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| AMELIO INVESTMENTS LIMITED→ 15980117 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ANDY WILSON FINANCIAL SERVICES LTD→ 07547809 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
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
Incorporated2016-08-08
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Unit 1, Riverside Court Skellingthorpe Road
Saxilby
Lincoln
LN1 5AB
England
Filing status
Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2027-03-25
Last: 2026-03-11
Officers (2 active · 2 resigned)
ASHBY, Emma Louise→
Activedirector · ~45y · appointed 2023-11-30
View their other companies + combined net worth →
ROBINSON, Samuel→
Activedirector · ~41y · appointed 2016-08-08
View their other companies + combined net worth →
KELSEY, Philip→
Resigneddirector · ~41y · appointed 2019-06-01 · resigned 2020-03-02
ROBINSON, Sally Andrea→
Resigneddirector · ~41y · appointed 2016-08-08 · resigned 2019-06-17
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Quilter Financial Planning Quilter Financial Planning Limited | A registered charge | — | 10/07/2024 | — | |
| outstanding | Quilter Financial Planning Quilter Financial Planning Limited | A registered charge | 1 property | 20/09/2023 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (47 total)
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-04-15
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-28
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-19
capital-name-of-class-of-shares
capital · SH08
2024-07-12
resolution
resolution · RESOLUTIONS
2024-07-12
memorandum-articles
incorporation · MA
2024-07-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-29
appoint-person-director-company-with-name-date
officers · AP01
2023-12-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-05-23
change-person-director-company-with-change-date
officers · CH01
2023-05-23