ALM FINANCIAL LTD
🌿Early-stageactive
NI701108 · ltd · incorporated 2023-08-30
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 Dec 2024
Net worth
£46.6k
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Activities of open-ended investment companies
Sector: Financial & insurance
ALSO REGISTERED FOR
- 65110Life insurance
- 65120Non-life insurance
- 65300Pension funding
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 76/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 2.3y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 2.3 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (69/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 4 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
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
Network not yet resolved
30
Filing history
8 filings
60
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
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £46,625
Cash YoY
+32657%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£131k
↑ 32657% YoY
Net Worth
£47k
↑ 11556% YoY
Current Assets
£173k
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £1.07M | £400 |
| Current assets | £172.8k | — |
| Cash | £131.0k | £400 |
| Debtors | £41.8k | — |
| Net assets | £46.6k | £400 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (12 events)Click to expand
- 2025-08-20📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-09📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-10-23📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-01-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-09🔒Charge registered #1Lender: Openwork Services Limited
- 2023-08-30🏢Company incorporatedAs ALM FINANCIAL LTD
- 2023-08-30➕ANDREWS, Stephen Paul appointeddirector
- 2023-08-30➕BEST, Luke Timothy appointeddirector
- 2023-08-30➕NICHOLL, Claire appointeddirector
- 2023-08-30➕STRAIN-MCDONNELL, Clodagh Martina Mary appointeddirector
- 2023-08-30📄incorporation-companyincorporation · NEWINC
Owner dependency
53/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +Young company: Only 2.7 years old — management layer unlikely to be developed.
Succession & seller-readiness
40/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
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| ALAN REID FINANCIAL SERVICES (NI) LIMITED→ NI050513 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| AMBO HOLDINGS LTD→ NI675866 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AMC LEGACY HOLDINGS LTD→ NI659605 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| AMCG FINANCIAL LIMITED→ NI685159 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2023-08-30
Jurisdictionnorthern-ireland
Primary SIC64304 — Activities of open-ended investment companies
Registered office
49 Church Street
Portadown
Craigavon
BT62 3EU
Northern Ireland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-09-03
Last: 2025-08-20
Officers (4 active · 0 resigned)
ANDREWS, Stephen Paul→
Activedirector · ~37y · appointed 2023-08-30
View their other companies + combined net worth →
BEST, Luke Timothy→
Activedirector · ~36y · appointed 2023-08-30
View their other companies + combined net worth →
NICHOLL, Claire→
Activedirector · ~42y · appointed 2023-08-30
View their other companies + combined net worth →
STRAIN-MCDONNELL, Clodagh Martina Mary→
Activedirector · ~59y · appointed 2023-08-30
View their other companies + combined net worth →
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 | Openwork Services Openwork Services Limited | A registered charge | — | 09/01/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (8 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-20
change-person-director-company-with-change-date
officers · CH01
2025-08-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-18
accounts-with-accounts-type-dormant
accounts · AA
2025-01-09
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-10-23
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-30
incorporation-company
incorporation · NEWINC
2023-08-30