ALPHARISK LTD

🏛️Establishedactive

12286017 · ltd · incorporated 2019-10-28

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 Mar 2025

Net worth

£454.0k

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Other activities auxiliary to insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle. Family succession underway — not a classic acquisition target.

Opportunity 77/100 (strong), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (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

Lenders & charges

Confirmed no charges registered

Directors & officers

6 officers (5 active, 6 linked, 5 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

1 connected companies via shared directors

Filing history

29 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £454,040

Net assets shrinking

Down £58,781 YoY

Cash YoY

-3%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£419k

↓ 3.5% YoY

Net Worth

£454k

↓ 11% YoY

Current Assets

£465k

↓ 15% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Total assets	£454.0k	£512.9k
Current assets	£465.2k	£544.9k
Cash	£419.0k	£434.2k
Debtors	£44.9k	£110.7k
Net assets	£454.0k	£512.8k

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

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (27 events)Click to expand

2025-12-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-11
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-11
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-12-18
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-12-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-12-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-12-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-12-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-12-02
➕
MUIRHEAD, Vanessa appointed
director
2024-12-02
➕
NICHOL, Margaret appointed
director
2024-12-02
➕
NICHOL, Mark Stuart appointed
director
2024-12-02
➕
NICHOL, Steven appointed
director
2024-11-06
➖
NICHOL, Terence Stuart resigned
director
2024-07-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-12
📄
resolution
resolution · RESOLUTIONS
2022-01-10
📄
capital-name-of-class-of-shares
capital · SH08
2021-07-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-15
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2020-10-15
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2020-10-12
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2020-10-05
➕
NICHOL, Margaret appointed
secretary
2020-10-05
📄
change-person-director-company-with-change-date
officers · CH01
2020-10-05
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2019-10-28
🏢
Company incorporated
As ALPHARISK LTD
2019-10-28
➕
NICHOL, Terence Stuart appointed
director

Owner dependency

63/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 70 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

20/100

No succession signal

No meaningful acquirability indicators from public data.

SIGNALS

primaryFamily succession underway: Not a takeover target — NICHOL, Mark Stuart (same surname) appointed 2024-12-02. Pattern consistent with intra-family handover.
primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.

Red flags

clean

No 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
Mrs Margaret Nichol Individual · British · DOB 03/1956 · age 70	75–100%	—	75-100% shares	14/10/2020

1 historic (ceased) PSC

Mr Terence Stuart Nicholceased 06/11/2024· 50-75% shares

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.

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Similar companies

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A S INSURANCE SERVICES LIMITED→ 07345487 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
A SHADE GREENER FINANCE F3 LIMITED→ 15678758 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
A SHADE GREENER FINANCE LIMITED→ 10668465 · est 2017 · no financials extracted	—	—	—	—	9y	—	—
A T COMMERCIAL FINANCE 2 LIMITED→ 14921017 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
A T COMMERCIAL FINANCE LIMITED→ 13752408 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
ACORN RESERVE LTD→ 13242218 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
ANDREW STUART & COMPANY LIMITED→ 04557297 · est 2002 · no financials extracted	—	—	—	—	23y	—	—
ANDY HALL MORTGAGES LTD→ 09479295 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
ANLD CRYPTO HOLDINGS LTD→ 16592442 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ANT PROTECT LIMITED→ 07237006 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
ANTCLIFF MORTGAGES & PROTECTION LTD→ 10385168 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
AP BASHFORD MORTGAGES LTD→ 16073480 · est 2024 · no financials extracted	—	—	—	—	1y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2019-10-28

Jurisdictionengland-wales

Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

Marland House

13 Huddersfield Road

Barnsley

South Yorkshire

S70 2LW

England

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-10-29

Last: 2025-10-15