4I FINANCIAL SERVICES LIMITED
🌿Early-stageactive
13870165 · ltd · incorporated 2022-01-25
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
—
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 70/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (2 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
22 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
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 | 2024-09-30 | 2023-09-30 |
|---|
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
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2025-06-26📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-11-25📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-06-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-01-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-05-18📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-04-21📄gazette-filings-brought-up-to-dategazette · DISS40
- 2023-04-18📄gazette-notice-compulsorygazette · GAZ1
- 2022-11-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-11-28📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-11-28📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-11-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-10-19➖JELLIMAN, Fallan Barbara resignedsecretary
- 2022-10-19➖JELLIMAN, Fallan Barbara resigneddirector
- 2022-10-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-13📄change-person-secretary-company-with-change-dateofficers · CH03
- 2022-10-13📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-12➕STUTELEY, Thomas Charles appointeddirector
- 2022-10-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-10-12📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-01-25🏢Company incorporatedAs 4I FINANCIAL SERVICES LIMITED
- 2022-01-25➕BISLAND-COOK, Terrance Simon appointeddirector
- 2022-01-25➕JELLIMAN, Fallan Barbara appointedsecretary
- 2022-01-25➕JELLIMAN, Fallan Barbara appointeddirector
- 2022-01-25📄incorporation-companyincorporation · NEWINC
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
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 Thomas Charles Stuteley Individual · British · DOB 07/1996 · age 30 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 19/10/2022 |
Mr Terrance Simon Bisland-Cook Individual · British · DOB 07/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 25/01/2022 |
1 historic (ceased) PSC
- Ms Fallan Barbara Jellimanceased 19/10/2022· 50-75% shares · 50-75% voting · board control
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 · IP postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 19TH HOLE INVESTMENTS LTD→ 16811939 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 1FX LTD→ 13333731 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 24 MORTGAGE & FINANCIAL SERVICES LIMITED→ 16051755 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 4P PROPERTIES LTD→ 14746896 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ABSOLUTE SENSE INDEPENDENT FINANCIAL ADVISERS LIMITED→ 06647014 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ACER MORTGAGE SOLUTIONS LTD→ 16084921 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AFL FINANCIAL STRATEGIES LTD→ 07752817 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| AHP WEALTH MANAGEMENT LIMITED→ 05679346 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| AJ SENIOR WEALTH MANAGEMENT LTD→ 07264890 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| AKIRA SYSTEMS FINANCE LIMITED→ 16106785 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ALEX HOWARD FINANCIAL PLANNING LTD→ 16563761 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALL IN ONE FINANCE & PROPERTY LTD→ 16273521 · est 2025 · 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.
See pricing →Company details
Statusactive
Typeltd
Incorporated2022-01-25
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
Unit 17a Woolpit Business Park, Windmill Avenue, Woolpit
Bury St. Edmunds
IP30 9UP
England
Filing status
Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2027-02-08
Last: 2026-01-25
Officers (2 active · 2 resigned)
BISLAND-COOK, Terrance Simon→
Activedirector · ~46y · appointed 2022-01-25
View their other companies + combined net worth →
STUTELEY, Thomas Charles→
Activedirector · ~30y · appointed 2022-10-12
View their other companies + combined net worth →
JELLIMAN, Fallan Barbara→
Resignedsecretary · appointed 2022-01-25 · resigned 2022-10-19
JELLIMAN, Fallan Barbara→
Resigneddirector · ~41y · appointed 2022-01-25 · resigned 2022-10-19
Click a director name to see their full track record across all companies.
Recent filings (22 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-11
accounts-with-accounts-type-dormant
accounts · AA
2025-06-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-17
change-person-director-company-with-change-date
officers · CH01
2024-11-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-25
accounts-with-accounts-type-dormant
accounts · AA
2024-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-01-26
accounts-with-accounts-type-dormant
accounts · AA
2023-05-18
gazette-filings-brought-up-to-date
gazette · DISS40
2023-04-21
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-20
gazette-notice-compulsory
gazette · GAZ1
2023-04-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-11-28
termination-secretary-company-with-name-termination-date
officers · TM02
2022-11-28
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-11-28