A & I FINANCE LTD.
🏛️Establishedactive
11828772 · ltd · incorporated 2019-02-15
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 May 2025
Net worth
—
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Activities of open-ended investment companies
Sector: Financial & insurance
Investor take
PursueActive trading company with a 80-year-old founder — textbook succession opportunity.
Opportunity 76/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 80). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (76/100)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
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
21 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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | — | £31.2k |
| Current assets | — | £2.21M |
| Cash | — | £520 |
| Debtors | — | £2.21M |
| Net assets | — | £31.2k |
| Average employees | 0 | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2026-02-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-02-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-02-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-02-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-05-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-02-15📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-04-23📄resolutionresolution · RESOLUTIONS
- 2020-02-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-02-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-02-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-02-26📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2020-01-08📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2019-06-17📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2019-02-15🏢Company incorporatedAs A & I FINANCE LTD.
- 2019-02-15➕LINDSAY, Irene appointedsecretary
- 2019-02-15➕LINDSAY, Alan appointeddirector
- 2019-02-15➕LINDSAY, Irene appointeddirector
- 2019-02-15📄incorporation-companyincorporation · NEWINC
Owner dependency
81/100
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 age: Director aged approximately 80 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 80 years old. Natural succession window is now.
- 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 Irene Lindsay Individual · British · DOB 10/1948 · age 78 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 15/02/2019 |
Mr Alan Lindsay Individual · British · DOB 06/1946 · age 80 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 15/02/2019 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
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| ACLRS LIMITED→ 10773187 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ACP DEBT CAPITAL MARKETS LIMITED→ 07521599 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| ADAXIA 2015 LIMITED→ 09462905 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ADAXIA CAPITAL PRIVATE EQUITY (GP) LIMITED→ 06258515 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| ADP CAPITAL UK CO LTD→ 15907022 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADS TECHNOLOGY SOLUTIONS UK LIMITED→ 09175922 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ADVANTA INVEST LTD→ 12693508 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ADVENT ASSOCIATES LIMITED→ 05164688 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| ADVENT GLOBAL OPPORTUNITIES MANAGEMENT LTD→ 10164036 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ADVENT INTERNATIONAL LTD→ 02342186 · est 1989 · no financials extracted | — | — | — | — | 37y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated2019-02-15
Jurisdictionengland-wales
Primary SIC64304 — Activities of open-ended investment companies
Registered office
585a Fulham Road
London
SW6 5UA
England
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-02-28
Last: 2026-02-14
Officers (3 active · 0 resigned)
Active
LINDSAY, Alan→
Activedirector · ~80y · appointed 2019-02-15
View their other companies + combined net worth →
LINDSAY, Irene→
Activedirector · ~78y · appointed 2019-02-15
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (21 total)
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-27
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-15
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-14
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-05-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-16
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-02-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-15
resolution
resolution · RESOLUTIONS
2020-04-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-02-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-02-26