ADVICE CENTRE GROUP LTD
🌿Early-stageactive
14322979 · ltd · incorporated 2022-08-30
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 Aug 2024
Net worth
£-12.50M
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 71/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -85% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 2.5y
10/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 2.5 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (78/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
13 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
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
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £12,496,555
Cash draining
Cash down 85% YoY
Cash YoY
-85%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£13k
↓ 85% YoY
Net Worth
-£12m
↓ 362% YoY
Current Assets
£41k
↓ 80% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-08-31 | 2023-08-31 |
|---|---|---|
| Total assets | £-1.50M | £-1.35M |
| Current assets | £41.2k | £210.4k |
| Cash | £12.6k | £85.9k |
| Debtors | £28.6k | £124.5k |
| Net assets | £-12.50M | £-2.70M |
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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (14 events)Click to expand
- 2025-05-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-08-07📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-28🔒Charge registered #1Lender: Katch Fund Solutions
- 2022-12-07📄capital-allotment-sharescapital · SH01
- 2022-10-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-09-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-09-05➖GLANCY, Sarah Meghan resigneddirector
- 2022-08-30🏢Company incorporatedAs ADVICE CENTRE GROUP LTD
- 2022-08-30➕BAILEY, Steven William appointeddirector
- 2022-08-30➕KEE, Lisa Marie appointeddirector
- 2022-08-30➕GLANCY, Sarah Meghan appointeddirector
- 2022-08-30📄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 |
|---|---|---|---|---|
Miss Lisa Marie Kee Individual · British · DOB 07/1979 · age 47 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 30/08/2022 |
Mr Steven William Bailey Individual · British · DOB 04/1986 · age 40 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 30/08/2022 |
1 historic (ceased) PSC
- Miss Sarah Meghan Glancyceased 05/09/2022· 25-50% shares · 25-50% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| 4ME GROUP LTD→ 10219163 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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| ADELPHI INSURANCE BROKERS LTD.→ 08333939 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| ADVANCED MORTGAGE PLANNING LTD.→ 16832965 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADVISERTECH CONNECT LIMITED→ 17124508 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AEG 1440 HOLDINGS LTD→ 13529711 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AEG OPERATIONS LTD→ 16854383 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2022-08-30
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Second Floor A, Cheadle Place
Stockport Road
Cheadle
SK8 2JX
England
Filing status
Accounts
Next due: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-11-16
Last: 2025-11-02
Officers (2 active · 1 resigned)
BAILEY, Steven William→
Activedirector · ~40y · appointed 2022-08-30
View their other companies + combined net worth →
KEE, Lisa Marie→
Activedirector · ~47y · appointed 2022-08-30
View their other companies + combined net worth →
GLANCY, Sarah Meghan→
Resigneddirector · ~36y · appointed 2022-08-30 · resigned 2022-09-05
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Katch Fund Solutions | A registered charge | 1 property | 28/11/2023 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (13 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-05-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-08-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-02
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-07
capital-allotment-shares
capital · SH01
2022-12-07
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-10-08
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-08
termination-director-company-with-name-termination-date
officers · TM01
2022-09-07
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-09-07
incorporation-company
incorporation · NEWINC
2022-08-30