ABI PENSION TRUSTEE LIMITED

🌱Startupactive
17047213 · ltd · incorporated 2026-02-23
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
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Turnover
not disclosed
Net worth
book net assets
Opportunity
76/100
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
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 76/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (57/100)

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
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (4 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
13 connected companies via shared directors
84
Filing history
1 filing — limited history
30
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • 1 incorporation
Counts from Companies House filing history.
Corporate timeline (6 events)Click to expand
  1. 2026-02-23
    🏢
    Company incorporated
    As ABI PENSION TRUSTEE LIMITED
  2. 2026-02-23
    HUMPHREYS, Timothy appointed
    director
  3. 2026-02-23
    RITCHIE, Alan John appointed
    director
  4. 2026-02-23
    TURNER, Michael Craig appointed
    director
  5. 2026-02-23
    INDEPENDENT TRUSTEE SERVICES LIMITED appointed
    corporate-director
  6. 2026-02-23
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

68/100
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 name in company name: Company name contains director surname "LIMITED" — strong identity link between founder and business.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.
  • +Young company: Only 0.3 years old — management layer unlikely to be developed.

Succession & seller-readiness

50/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.

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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Sheryl Fernando
Individual · British · DOB 08/1976 · age 50
2550%
board control25-50% shares · board control · trust interest23/02/2026
Sarah Aspinall
Individual · British · DOB 10/1978 · age 48
2550%
board control25-50% shares · board control · trust interest23/02/2026

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 →

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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.

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🔒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
Incorporated2026-02-23
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

30 Fenchurch Street
London
EC3M 3BD
United Kingdom

Filing status

Accounts
Next due: 2027-11-23
Last made up to:
Confirmation statement
Next due: 2027-03-08
Last:

Officers (4 active · 0 resigned)

HUMPHREYS, Timothy
director · ~60y · appointed 2026-02-23
View their other companies + combined net worth →
Active
RITCHIE, Alan John
director · ~48y · appointed 2026-02-23
View their other companies + combined net worth →
Active
TURNER, Michael Craig
director · ~64y · appointed 2026-02-23
View their other companies + combined net worth →
Active
INDEPENDENT TRUSTEE SERVICES LIMITED
corporate-director · appointed 2026-02-23
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Recent filings (1 total)

incorporation-company
incorporation · NEWINC
2026-02-23