AMS FINANCIAL SERVICES LIMITED

💤Zombieactive
04327107 · ltd · incorporated 2001-11-22
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 Dec 2024
Net worth
£30.8k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 64-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 64). 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 (76/100)

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
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
65 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.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £30,807
Net assets shrinking
Down £22,546 YoY
Cash YoY
-24%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£42k
↓ 24% YoY
Net Worth
£31k
↓ 42% YoY
Current Assets
£49k
↓ 31% YoY
Current Liabilities
—
£0£14k£29k£43k£57k£72kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£30.8k£53.4k
Current assets£49.5k£71.6k
Cash£41.6k£54.5k
Debtors£7.8k£17.0k
Net assets£30.8k£53.4k

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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2025-09-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-10-12
    📄
    capital-allotment-shares
    capital · SH01
  4. 2023-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-05-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-09-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-09-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-08-30
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2018-08-30
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  12. 2018-08-15
    ➖
    SHEPHERD, Denise Yvonne resigned
    director
  13. 2017-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2016-11-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-09-29
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  16. 2005-12-30
    ➕
    SHEPHERD, Denise Yvonne appointed
    director
  17. 2001-11-22
    🏢
    Company incorporated
    As AMS FINANCIAL SERVICES LIMITED
  18. 2001-11-22
    ➕
    SHEPHERD, Denise Yvonne appointed
    secretary
  19. 2001-11-22
    ➕
    SHEPHERD, Alan Michael appointed
    director
  20. 2001-11-22
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  21. 2001-11-22
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary
  22. 2001-11-22
    ➕
    INSTANT COMPANIES LIMITED appointed
    corporate-nominee-director
  23. 2001-11-22
    ➖
    INSTANT COMPANIES LIMITED resigned
    corporate-nominee-director

Owner dependency

93/100
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.
  • +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

95/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Alan Michael Shepherd
Individual · British · DOB 12/1962 · age 64
50–75%
—50-75% shares21/11/2016
1 historic (ceased) PSC
  • Mrs Denise Yvonne Shepherdceased 15/08/2018· 25-50% shares

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

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
Incorporated2001-11-22
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Turnpike House
1208-1210 London Road
Leigh-On-Sea
Essex
SS9 2UA

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-01-19
Last: 2026-01-05

Officers (2 active · 3 resigned)

SHEPHERD, Denise Yvonne→
secretary · appointed 2001-11-22
View their other companies + combined net worth →
Active
SHEPHERD, Alan Michael→
director · ~64y · appointed 2001-11-22
View their other companies + combined net worth →
Active
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 2001-11-22 · resigned 2001-11-22
Resigned
SHEPHERD, Denise Yvonne→
director · ~64y · appointed 2005-12-30 · resigned 2018-08-15
Resigned
INSTANT COMPANIES LIMITED→
corporate-nominee-director · appointed 2001-11-22 · resigned 2001-11-22
Resigned

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

Recent filings (65 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-23
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-22
capital-allotment-shares
capital · SH01
2023-10-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-05-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-11-26