A O'CONNELL & CO FINANCIAL SERVICES LIMITED
🏛️Establishedactive
10351688 · ltd · incorporated 2016-08-30
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
£12.7k
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 76/100 (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 (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
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
1 connected companies via shared directors
48
Filing history
26 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
70
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 · FRS 105 (micro)Positive net assets
Net assets £12,716
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£13k
↑ 3.6% YoY
Current Assets
£51k
~ YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-08-30 | 2024-08-30 |
|---|---|---|
| Total assets | £12.7k | £12.3k |
| Current assets | £50.7k | £50.7k |
| Net assets | £12.7k | £12.3k |
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
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2026-04-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-04-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-05-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-09-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-09-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-07-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-05-28📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2020-12-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-09-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-05-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-08-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-09-05📄resolutionresolution · RESOLUTIONS
- 2016-09-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2016-09-01➕O'CONNELL, Ruth appointeddirector
- 2016-08-30🏢Company incorporatedAs A O'CONNELL & CO FINANCIAL SERVICES LIMITED
- 2016-08-30➕O'CONNELL, Andrew David appointeddirector
Owner dependency
94/100
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 "O'CONNELL" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Ruth O'Connell Individual · British · DOB 08/1968 · age 58 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/09/2019 |
Mr Andrew David O'Connell Individual · British · DOB 04/1972 · age 54 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 30/08/2016 |
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 · PR postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 3WAY FINANCE COMPANY LIMITED→ 04961596 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| ABBA247 PROPERTIES LTD→ 14474730 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ABHI HOLDINGS LIMITED→ 14941226 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABSTRADE LTD→ 13455337 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ADJUSTING LIMITED→ 11568522 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AEGIS SECURITY SOLUTIONS NW LTD→ 16955820 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AIM LEGAL EXPENSES INSURANCE SERVICES LIMITED→ 03824468 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| ALL SORTED MORTGAGES LIMITED→ 14661742 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ALTAIR FIN LTD→ 15539825 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AMBIKAY LIMITED→ 13845215 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AMELIAM CONSULTANCY LIMITED→ 13976221 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AMETHYST FINANCIAL PLANNING LIMITED→ 04543719 · 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
Incorporated2016-08-30
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
29 Saxon Road
Birkdale
Southport
Merseyside
PR8 2AX
England
Filing status
Accounts
Next due: 2027-05-30
Last made up to: 2025-08-30
Confirmation statement
Next due: 2026-09-12
Last: 2025-08-29
Officers (2 active · 0 resigned)
O'CONNELL, Andrew David→
Activedirector · ~54y · appointed 2016-08-30
View their other companies + combined net worth →
O'CONNELL, Ruth→
Activedirector · ~58y · appointed 2016-09-01
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (26 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-03
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-11
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-28
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-07
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-09
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-09-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-09-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-09-08
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-12
change-account-reference-date-company-previous-shortened
accounts · AA01
2021-05-28