AP FINANCIAL ADVISERS LIMITED
🏛️Establishedactive
13071713 · ltd · incorporated 2020-12-09
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 Dec 2024
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company 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: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
5 connected companies via shared directors
60
Filing history
14 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.
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 · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
4
filings
- • 2 persons-with-significant-control
- • 2 officers
Counts from Companies House filing history.
Corporate timeline (12 events)Click to expand
- 2026-02-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-11📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-11📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-11📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-10-10📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-09-08📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-09-05📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-12-09🏢Company incorporatedAs AP FINANCIAL ADVISERS LIMITED
- 2020-12-09➕IQBAL, Muhammad Rashid appointeddirector
- 2020-12-09➕LUKE, Murray Ian appointeddirector
- 2020-12-09📄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 6 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 Murray Ian Luke Individual · British · DOB 09/1975 · age 51 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 09/12/2020 |
Mr Muhammad Rashid Iqbal Individual · British · DOB 11/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 09/12/2020 |
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 · HA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AKSHAR ASSET INVESTMENTS LIMITED→ 16255968 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AMAZING MORTGAGE SOLUTIONS LIMITED→ 15454058 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AMP DERIVATIVES LTD→ 06782274 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| AMRESH LIMITED→ 10086876 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ANCHORAGE CONSULTANCY LTD→ 12496229 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ANGELGATE CAPITAL MANAGEMENT LTD→ 15755250 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| APJ ACCOUNTANTS LIMITED→ 14399954 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ARAV CAPITAL LIMITED→ 09867598 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ARAZON FX LTD→ 17076992 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ARBRA PROPER SERVICES LTD→ 16017655 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARC FINANCIAL CONSULTANCY LIMITED→ 11796326 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ARCHER INSURANCE SERVICES LIMITED→ 02649983 · est 1991 · no financials extracted | — | — | — | — | 34y | — | — |
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
Incorporated2020-12-09
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
Devonshire House
582 Honeypot Lane
Stanmore
Middlesex
HA7 1JS
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-22
Last: 2025-12-08
Officers (2 active · 0 resigned)
IQBAL, Muhammad Rashid→
Activedirector · ~46y · appointed 2020-12-09
View their other companies + combined net worth →
LUKE, Murray Ian→
Activedirector · ~51y · appointed 2020-12-09
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (14 total)
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-11
change-person-director-company-with-change-date
officers · CH01
2026-02-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-11
change-person-director-company-with-change-date
officers · CH01
2026-02-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-08
accounts-with-accounts-type-dormant
accounts · AA
2025-02-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-12
accounts-with-accounts-type-dormant
accounts · AA
2024-10-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-08
accounts-with-accounts-type-dormant
accounts · AA
2023-09-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-13
accounts-with-accounts-type-dormant
accounts · AA
2022-09-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-17
incorporation-company
incorporation · NEWINC
2020-12-09