ABM FINANCIAL MANAGEMENT LIMITED
💤Zombieactive
03810914 · ltd · incorporated 1999-07-21
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 Jul 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
- 65201Life reinsurance
Investor take
PursueActive trading company with a 60-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 60). 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, 2 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
7 officers (2 active, 7 linked, 3 with DOB)
79
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
78 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | — | £3.9k |
| Current assets | — | £78.9k |
| Cash | — | £77.2k |
| Debtors | — | £1.7k |
| Net assets | — | £-958 |
| Average employees | 3 | — |
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 (28 events)Click to expand
- 2025-11-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-04📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-10-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-02📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-02-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-02-22📄change-person-secretary-company-with-change-dateofficers · CH03
- 2019-02-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-02-22📄change-person-director-company-with-change-dateofficers · CH01
- 2019-02-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-10-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-11-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2016-11-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2006-09-14➕MILLEN, Lindsey appointedsecretary
- 2006-09-14➖ASHMORE, David John resignedsecretary
- 2006-09-14➖ASHMORE, David John resigneddirector
- 2001-05-12➕ASHMORE, David John appointedsecretary
- 2001-05-11➖BOLLANDS, Stephen resignedsecretary
- 2001-05-11➖BOLLANDS, Stephen resigneddirector
- 1999-07-21🏢Company incorporatedAs ABM FINANCIAL MANAGEMENT LIMITED
- 1999-07-21➕MILLEN, Wayne Ricky John appointeddirector
- 1999-07-21➕BOLLANDS, Stephen appointedsecretary
- 1999-07-21➕SWIFT INCORPORATIONS LIMITED appointedcorporate-nominee-secretary
- 1999-07-21➖SWIFT INCORPORATIONS LIMITED resignedcorporate-nominee-secretary
- 1999-07-21➕ASHMORE, David John appointeddirector
- 1999-07-21➕BOLLANDS, Stephen appointeddirector
Owner dependency
93/100
Critical — business is the founderThe 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.
- +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
85/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 27 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
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 |
|---|---|---|---|---|
Mr Wayne Ricky John Millen Individual · British · DOB 06/1966 · age 60 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Lindsey Millen Individual · British · DOB 01/1975 · age 51 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
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 →Similar companies
Active · Financial services · S postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1F GROUP LIMITED→ 16305749 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 4 WARD FINANCE LTD→ 11936926 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| 789 INVESTMENTS LIMITED→ 05798051 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| AA MECHANICAL INSURANCE SERVICES LIMITED→ 05987949 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| ABACUS PORTFOLIO MANAGEMENT LIMITED→ 03915043 · est 2000 · no financials extracted | — | — | — | — | 26y | — | — |
| ABBEYDALE MORTGAGES LIMITED→ 13879815 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ABODE FINANCIAL LTD→ 14878383 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABODE MORTGAGE SERVICES LIMITED→ 14838866 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AC FAMILY PROTECTION LTD→ 17038912 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ACCESS 4 FINANCE LIMITED→ 07237331 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| ACCESS COMMERCIAL LENDING LIMITED→ 10163779 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ACCESS CREDIT CONTROL LTD→ 07767413 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
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
Incorporated1999-07-21
Jurisdictionengland-wales
Primary SIC65110 — Life insurance
Registered office
328 Ecclesall Road South
Sheffield
South Yorkshire
S11 9PU
England
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-08-04
Last: 2025-07-21
Officers (2 active · 5 resigned)
Active
MILLEN, Wayne Ricky John→
Activedirector · ~60y · appointed 1999-07-21
View their other companies + combined net worth →
ASHMORE, David John→
Resignedsecretary · appointed 2001-05-12 · resigned 2006-09-14
BOLLANDS, Stephen→
Resignedsecretary · appointed 1999-07-21 · resigned 2001-05-11
SWIFT INCORPORATIONS LIMITED→
Resignedcorporate-nominee-secretary · appointed 1999-07-21 · resigned 1999-07-21
ASHMORE, David John→
Resigneddirector · ~69y · appointed 1999-07-21 · resigned 2006-09-14
BOLLANDS, Stephen→
Resigneddirector · ~68y · appointed 1999-07-21 · resigned 2001-05-11
Click a director name to see their full track record across all companies.
Recent filings (78 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-18
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-17
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-31
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-11-04
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-28
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-15
confirmation-statement-with-updates
confirmation-statement · CS01
2020-07-30
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-12-02
confirmation-statement-with-updates
confirmation-statement · CS01
2019-07-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2019-02-22