ALISON HOWIE FINANCIAL SERVICES LIMITED

💤Zombieactive
09522097 · ltd · incorporated 2015-04-01
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
£72.3k
book net assets
Opportunity
77/100
Strong
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 74-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

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
Confirmed no charges registered
85
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
29 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £72,338
Net assets shrinking
Down £15,013 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£72k
↓ 17% YoY
Current Assets
£85k
↓ 9.6% YoY
Current Liabilities
—
£0£19k£38k£57k£75k£94kApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-04-302024-04-30
Total assets£74.3k£89.0k
Current assets£85.1k£94.2k
Net assets£72.3k£87.4k

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
4
filings
  • • 1 confirmation-statement
  • • 1 persons-with-significant-control
  • • 1 officers
Last 90 days
4
filings
  • • 1 confirmation-statement
  • • 1 persons-with-significant-control
  • • 1 officers
Last 180 days
5
filings
  • • 1 confirmation-statement
  • • 1 persons-with-significant-control
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
  1. 2026-04-01
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2026-04-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2026-04-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2025-11-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-08-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2024-06-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2023-11-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2023-01-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2022-01-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2020-12-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2020-01-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2020-01-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2018-12-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2018-01-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2017-12-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2015-04-01
    🏢
    Company incorporated
    As ALISON HOWIE FINANCIAL SERVICES LIMITED
  17. 2015-04-01
    ➕
    HOWIE, Alison Frances Denise appointed
    director

Owner dependency

100/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Founder name in company name: Company name contains director surname "HOWIE" — strong identity link between founder and business.
  • +Founder age: Director aged approximately 74 — succession pressure is live.
  • +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

80/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Ms Alison Frances Denise Howie
Individual · British · DOB 05/1952 · age 74
75–100%
75–100%75-100% shares · 75-100% voting06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2015-04-01
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

25 Ringwood Road
Alderholt
Dorset
SP6 3DF
England

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-04-15
Last: 2026-04-01

Officers (1 active · 0 resigned)

HOWIE, Alison Frances Denise→
director · ~74y · appointed 2015-04-01
View their other companies + combined net worth →
Active

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

Recent filings (29 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-01
change-person-director-company-with-change-date
officers · CH01
2026-04-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-04-01
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-08-11
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-18
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-12
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-21
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-12