ASPEN FINANCIAL (COWES) LIMITED
🏛️Establishedactive
11085803 · ltd · incorporated 2017-11-28
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 Nov 2024
Net worth
£13.1k
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 72/100 (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
16 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
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)Positive net assets
Net assets £13,057
Net assets shrinking
Down £12,863 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£13k
↓ 50% YoY
Current Assets
£59k
↓ 6.0% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £13.1k | £25.9k |
| Current assets | £59.1k | £62.9k |
| Net assets | £13.1k | £25.9k |
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
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (11 events)Click to expand
- 2025-08-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-08-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-08-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-08-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-11-28🏢Company incorporatedAs ASPEN FINANCIAL (COWES) LIMITED
- 2017-11-28➕COCKLING, David Hugh appointeddirector
- 2017-11-28➕O'DONNELL, Zoe Kayley Marie appointeddirector
- 2017-11-28📄incorporation-companyincorporation · NEWINC
Owner dependency
63/100
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.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David Hugh Cockling Individual · British · DOB 03/1972 · age 54 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 28/11/2017 |
Miss Zoe Kayley Marie O'Donnell Individual · British · DOB 10/1989 · age 37 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/11/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · PO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALTUNATMAZ JEWELLERY LIMITED→ 16692749 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AMORE MORTGAGES LIMITED→ 16866958 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ANNA MARRUFO MORTGAGES LIMITED→ 10833410 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ANTELOPE ASSET MANAGEMENT LTD→ 16283932 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| APIS (PECKHAM) LIMITED→ 13280328 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ARGENTIS FINANCIAL PLANNING LTD→ 06744013 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ARGENTIS WEALTH MANAGEMENT LTD→ 04214267 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| ARMY DEPENDANTS ASSURANCE TRUST LIMITED→ 01133917 · est 1973 · no financials extracted | — | — | — | — | 52y | — | — |
| ARTHUR WHEELER FINANCIAL SERVICES LTD→ 14619326 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ASHRIDGE FINANCE LIMITED→ 09572922 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ASSET WEALTH CREATION LIMITED→ 09594952 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ASSURED INDEPENDENT FINANCIAL SERVICES LIMITED→ 06873356 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
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
Incorporated2017-11-28
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
Exchange House
St. Cross Lane
Newport
Isle Of Wight
PO30 5BZ
United Kingdom
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-12-11
Last: 2025-11-27
Officers (2 active · 0 resigned)
COCKLING, David Hugh→
Activedirector · ~54y · appointed 2017-11-28
View their other companies + combined net worth →
O'DONNELL, Zoe Kayley Marie→
Activedirector · ~37y · appointed 2017-11-28
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (16 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-16
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-28
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-06
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-28
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-04
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-15
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-26
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-04
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-17
confirmation-statement-with-updates
confirmation-statement · CS01
2020-12-01
accounts-with-accounts-type-micro-entity
accounts · AA
2020-08-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-12-12
accounts-with-accounts-type-micro-entity
accounts · AA
2019-08-28
confirmation-statement-with-updates
confirmation-statement · CS01
2018-12-10