FINANCIAL AFFAIRS INSURANCE SOLUTIONS LIMITED
Opportunity 69/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
Refinance opportunity
1 live charge · oldest 0.1y
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.1 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (74/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 |
|---|---|
| Average employees | 13 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 mortgage
- • 1 mortgage
- • 1 accounts
Corporate timeline (26 events)Click to expand
- 2026-04-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-21🔒Charge registered #1Lender: National Westminster Bank PLC
- 2026-03-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-11-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-25📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2024-10-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-07-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-17✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-07-17✏️change-of-name-noticechange-of-name · CONNOT
- 2023-12-05📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-12-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-12-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-12-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-30➕O'CONNOR, Laurence Christian Thomas appointeddirector
- 2023-11-30➕WALSH, Alan David appointeddirector
- 2023-11-30➖APPLEGATE, Stuart Frederick resigneddirector
- 2023-03-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-16📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2021-03-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-09📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2019-09-09🏢Company incorporatedAs FINANCIAL AFFAIRS INSURANCE SOLUTIONS LIMITED
- 2019-09-09➕APPLEGATE, Stuart Frederick appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med · 1 lowName changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2024-07-17: certificate-change-of-name-company; 2024-07-17: change-of-name-notice
Multiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
Financial Affairs Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Financial Affairs Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/11/2023 |
1 historic (ceased) PSC
- Mr Stuart Frederick Applegateceased 30/11/2023· 75-100% shares · 75-100% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 →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
Registered office
Filing status
Officers (2 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 21/04/2026 | — |