AMHERST FINANCIAL MANAGEMENT LIMITED

💤Zombieactive
04554877 · ltd · incorporated 2002-10-07
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 2025
Net worth
£39.3k
book net assets
Opportunity
78/100
Strong
🔔
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 67-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 85/100. Strong seller-intent signal (68/100, director aged 67). 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).

🏦

Refinance opportunity

1 live charge · oldest 8.2y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 8.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (79/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 3 with DOB)
79
Ownership & PSC
2 active PSC(s) of 5 total, 5 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
78 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
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
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £39,290

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£39k
↑ 73% YoY
Current Assets
£59k
↑ 6.8% YoY
Current Liabilities
—
£0£12k£24k£35k£47k£59kDec 2024Dec 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-12-312024-12-31
Total assets£39.3k£26.9k
Current assets£59.1k£55.3k
Net assets£39.3k£22.7k

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
  1. 2026-02-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-11-20
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  3. 2025-03-18
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2025-02-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-10-21
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2024-02-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2023-12-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2023-12-14
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  9. 2023-12-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2023-02-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2022-02-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2021-11-30
    ➕
    SAGAR, Graham John appointed
    secretary
  13. 2021-11-30
    ➖
    TRUSLOVE, Kevin Robert resigned
    secretary
  14. 2021-11-30
    ➖
    LINES, Kenneth Raymond resigned
    director
  15. 2021-11-30
    ➖
    TRUSLOVE, Kevin Robert resigned
    director
  16. 2021-11-30
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  17. 2021-11-30
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  18. 2021-11-30
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  19. 2021-11-30
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  20. 2021-11-30
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  21. 2021-11-30
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  22. 2021-11-30
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  23. 2021-11-30
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  24. 2021-10-13
    ➕
    SAGAR, Graham John appointed
    director
  25. 2021-10-13
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  26. 2019-08-16
    🔓
    Charge satisfied #1
  27. 2018-04-03
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  28. 2003-01-07
    ➕
    TRUSLOVE, Kevin Robert appointed
    secretary
  29. 2003-01-07
    ➖
    CREDITREFORM (SECRETARIES) LIMITED resigned
    corporate-nominee-secretary
  30. 2003-01-07
    ➕
    LINES, Kenneth Raymond appointed
    director
  31. 2003-01-07
    ➕
    TRUSLOVE, Kevin Robert appointed
    director
  32. 2003-01-07
    ➖
    CREDITREFORM LIMITED resigned
    corporate-nominee-director
  33. 2002-10-07
    🏢
    Company incorporated
    As AMHERST FINANCIAL MANAGEMENT LIMITED
  34. 2002-10-07
    ➕
    CREDITREFORM (SECRETARIES) LIMITED appointed
    corporate-nominee-secretary
  35. 2002-10-07
    ➕
    CREDITREFORM LIMITED appointed
    corporate-nominee-director

Owner dependency

90/100
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 age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

75/100
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 67. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondaryStable-but-static management: Company is 24 years old and no new directors in the last 3 years — succession not yet being planned internally.

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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Graham John Sagar
Individual · British · DOB 11/1959 · age 67
50–75%
50–75%board controlsig. influence50-75% shares · 50-75% voting · board control · significant influence · firm interest30/11/2021
Mrs Elizabeth Anne Sagar
Individual · British · DOB 06/1963 · age 63
25–50%
—25-50% shares01/12/2021
3 historic (ceased) PSCs
  • Mr Kevin Robert Trusloveceased 30/11/2021· 50-75% shares
  • Mr Kenneth Raymond Linesceased 30/11/2021· 25-50% shares
  • Mrs Eillen Linesceased 30/11/2021· 25-50% shares

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

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
Incorporated2002-10-07
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

9 Pure Offices Plato Close
Tachbrook Park
Leamington Spa
CV34 6WE
England

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-10-07
Last: 2025-09-23

Officers (2 active · 5 resigned)

SAGAR, Graham John→
secretary · appointed 2021-11-30
View their other companies + combined net worth →
Active
SAGAR, Graham John→
director · ~67y · appointed 2021-10-13
View their other companies + combined net worth →
Active
TRUSLOVE, Kevin Robert→
secretary · appointed 2003-01-07 · resigned 2021-11-30
Resigned
CREDITREFORM (SECRETARIES) LIMITED→
corporate-nominee-secretary · appointed 2002-10-07 · resigned 2003-01-07
Resigned
LINES, Kenneth Raymond→
director · ~77y · appointed 2003-01-07 · resigned 2021-11-30
Resigned
TRUSLOVE, Kevin Robert→
director · ~66y · appointed 2003-01-07 · resigned 2021-11-30
Resigned
CREDITREFORM LIMITED→
corporate-nominee-director · appointed 2002-10-07 · resigned 2003-01-07
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Lloyds Banking Group
Lloyds Bank PLC
A registered charge1 property03/04/201816/08/2019

Recent filings (78 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-02-24
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-11-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-18
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-10-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-01
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-12-14
change-person-secretary-company-with-change-date
officers · CH03
2023-12-14
change-person-director-company-with-change-date
officers · CH01
2023-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-17
confirmation-statement-with-updates
confirmation-statement · CS01
2022-10-04
accounts-with-accounts-type-micro-entity
accounts · AA
2022-02-15