ADVISER BUSINESS SOLUTIONS LIMITED

🌳Matureactive
03749669 · ltd · incorporated 1999-04-09
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 21.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£911.5k
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 75/100. 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).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 21.7y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 21.7 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 20/100 — clean.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
19 officers (5 active, 19 linked, 14 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
122 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
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 declared
Positive net assets
Net assets £911,503
Cash YoY
-12%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£648
↓ 12% YoY
Net Worth
£912k
~ YoY
Current Assets
£3.6m
↑ 48% YoY
Current Liabilities
—
£0£721k£1.4m£2.2m£2.9m£3.6mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£911.5k£902.9k
Current assets£3.61M£2.44M
Cash£648£738
Debtors£3.61M£2.44M
Net assets£911.5k£902.9k

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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (55 events)Click to expand
  1. 2025-11-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-09-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-12-05
    ➖
    EXCITE LIMITED resigned
    corporate-secretary
  5. 2022-12-05
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  6. 2022-07-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-06-15
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2022-04-30
    ➖
    SIBLEY, Christopher James resigned
    director
  9. 2021-12-08
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2021-12-06
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  11. 2021-07-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-02-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2020-01-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2019-12-31
    ➖
    BURNETT-ARMSTRONG, Benedict George resigned
    director
  15. 2019-12-20
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2019-12-20
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2019-12-20
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2019-12-20
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2019-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2019-12-06
    ➕
    ANDERSON, Richard Peter appointed
    director
  21. 2019-12-06
    ➕
    TAYLOR, Lucy Elisha appointed
    director
  22. 2019-12-06
    ➕
    TIERNEY, Carol Anne appointed
    director
  23. 2019-12-06
    ➕
    SIBLEY, Christopher James appointed
    director
  24. 2019-01-28
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  25. 2019-01-11
    🔒
    Charge registered #2
    Lender: Santander UK PLC
  26. 2018-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  27. 2018-11-16
    🔓
    Charge satisfied #1
  28. 2016-11-10
    ➖
    FOSTER, Jonathan resigned
    director
  29. 2016-11-10
    ➖
    FOSTER, Lydia Ann resigned
    director
  30. 2016-11-10
    ➖
    FREIRE, Jane Suzanne resigned
    director
  31. 2016-11-10
    ➖
    FREIRE, Joseph Manuel resigned
    director
  32. 2016-11-10
    ➖
    REIDY, Lucy Sarah resigned
    director
  33. 2016-11-10
    ➖
    REIDY, Michael Joseph resigned
    director
  34. 2016-03-31
    ➖
    REIDY, Lucy Sarah resigned
    secretary
  35. 2016-03-31
    ➕
    EXCITE LIMITED appointed
    corporate-secretary
  36. 2014-07-01
    ➕
    FREIRE, Jane Suzanne appointed
    director
  37. 2014-07-01
    ➕
    FREIRE, Joseph Manuel appointed
    director
  38. 2013-02-11
    ➕
    BURNETT-ARMSTRONG, Benedict George appointed
    director
  39. 2007-04-06
    ➕
    FOSTER, Jonathan appointed
    director
  40. 2007-04-06
    ➕
    FOSTER, Lydia Ann appointed
    director
  41. 2004-09-23
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  42. 2003-04-06
    ➕
    REIDY, Lucy Sarah appointed
    director
  43. 2003-01-01
    ➕
    STAMP, Phillipa Jane appointed
    director
  44. 2002-05-01
    ➕
    STAMP, David Paul appointed
    director
  45. 2001-04-01
    ➕
    REIDY, Lucy Sarah appointed
    secretary
  46. 2001-03-31
    ➖
    DYER, Ramon Clifford resigned
    secretary
  47. 2001-03-31
    ➖
    DYER, Ramon Clifford resigned
    director
  48. 1999-04-12
    ➕
    DYER, Ramon Clifford appointed
    secretary
  49. 1999-04-12
    ➖
    BLOOMSBURY SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  50. 1999-04-12
    ➕
    DYER, Ramon Clifford appointed
    director
Showing most recent 50 of 55 events

Owner dependency

66/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -5 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

70/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 27 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

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
Mr David Paul Stamp
Individual · British · DOB 12/1964 · age 62
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mrs Phillipa Jane Stamp
Individual · British · DOB 02/1964 · age 62
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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

6 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
Incorporated1999-04-09
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

2 & 2a The Old Flour Mill
Queen Street
Emsworth
Hampshire
PO10 7BT
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-23
Last: 2026-04-09

Officers (5 active · 14 resigned)

ANDERSON, Richard Peter→
director · ~55y · appointed 2019-12-06
View their other companies + combined net worth →
Active
STAMP, David Paul→
director · ~62y · appointed 2002-05-01
View their other companies + combined net worth →
Active
STAMP, Phillipa Jane→
director · ~62y · appointed 2003-01-01
View their other companies + combined net worth →
Active
TAYLOR, Lucy Elisha→
director · ~38y · appointed 2019-12-06
View their other companies + combined net worth →
Active
TIERNEY, Carol Anne→
director · ~61y · appointed 2019-12-06
View their other companies + combined net worth →
Active
DYER, Ramon Clifford→
secretary · appointed 1999-04-12 · resigned 2001-03-31
Resigned
REIDY, Lucy Sarah→
secretary · appointed 2001-04-01 · resigned 2016-03-31
Resigned
BLOOMSBURY SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 1999-04-09 · resigned 1999-04-12
Resigned
EXCITE LIMITED→
corporate-secretary · appointed 2016-03-31 · resigned 2022-12-05
Resigned
BURNETT-ARMSTRONG, Benedict George→
director · ~60y · appointed 2013-02-11 · resigned 2019-12-31
Resigned
DYER, Ramon Clifford→
director · ~70y · appointed 1999-04-12 · resigned 2001-03-31
Resigned
FOSTER, Jonathan→
director · ~53y · appointed 2007-04-06 · resigned 2016-11-10
Resigned
FOSTER, Lydia Ann→
director · ~59y · appointed 2007-04-06 · resigned 2016-11-10
Resigned
FREIRE, Jane Suzanne→
director · ~54y · appointed 2014-07-01 · resigned 2016-11-10
Resigned
FREIRE, Joseph Manuel→
director · ~64y · appointed 2014-07-01 · resigned 2016-11-10
Resigned
REIDY, Lucy Sarah→
director · ~53y · appointed 2003-04-06 · resigned 2016-11-10
Resigned
REIDY, Michael Joseph→
director · ~61y · appointed 1999-04-12 · resigned 2016-11-10
Resigned
SIBLEY, Christopher James→
director · ~59y · appointed 2019-12-06 · resigned 2022-04-30
Resigned
BLOOMSBURY DIRECTORS LIMITED→
corporate-nominee-director · appointed 1999-04-09 · resigned 1999-04-12
Resigned

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

Mortgages & charges

3
Total charges
2
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—06/12/2021—
outstanding
Santander
Santander UK PLC
A registered charge—11/01/2019—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Debenture1 property23/09/200416/11/2018
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (122 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-17
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-24
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-04
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-12
termination-secretary-company-with-name-termination-date
officers · TM02
2022-12-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-04
termination-director-company-with-name-termination-date
officers · TM01
2022-06-15
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-12-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-19
confirmation-statement-with-updates
confirmation-statement · CS01
2021-04-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-04