HW FINANCIAL SOLUTIONS LTD
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. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -89% YoY — forensic review of receivables, stock turns, and creditor days. 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.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £4.2k | £-704 |
| Current assets | £21.1k | £10.6k |
| Cash | £1.1k | £10.6k |
| Net assets | £4.2k | £-704 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 address
- • 1 address
- • 1 address
- • 1 confirmation-statement
Corporate timeline (11 events)Click to expand
- 2026-07-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-09-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-06-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-31🏢Company incorporatedAs HW FINANCIAL SOLUTIONS LTD
- 2021-03-31➕HARDING-WYATT, Emma Lucy appointeddirector
- 2021-03-31➕HARDING-WYATT, Joshua James appointeddirector
- 2021-03-31📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 5 years old with no director changes — suggests a very tight-knit founder team never broadened.
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
cleanShareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Joshua James Harding-Wyatt Individual · British · DOB 06/1988 · age 38 | 50–75% | 75–100% | board control75-100% shares · 75-100% voting · board control | 31/03/2021 |
Mrs Emma Lucy Harding-Wyatt Individual · British · DOB 08/1990 · age 36 | 25–50% | — | 25-50% shares | 31/03/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 · 0 resigned)
Click a director name to see their full track record across all companies.