ACTIVE MORTGAGE SERVICES LIMITED

💤Zombieactive
04600469 · ltd · incorporated 2002-11-26
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 Mar 2025
Net worth
—
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (65/100).

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
Confirmed no charges registered
85
Directors & officers
10 officers (1 active, 10 linked, 5 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
86 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees600600

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
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
  1. 2025-12-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2019-12-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-09-03
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  9. 2018-09-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2017-09-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2016-09-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2015-12-03
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  13. 2015-10-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2014-12-12
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2014-10-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2012-03-21
    ➖
    OSWIN, Alistair John resigned
    secretary
  17. 2009-05-18
    ➖
    JONES, Michael Frank resigned
    director
  18. 2008-01-25
    ➕
    JONES, Michael Frank appointed
    director
  19. 2007-08-10
    ➕
    OSWIN, Alistair John appointed
    secretary
  20. 2007-08-10
    ➖
    OSWIN, Emma Louise resigned
    secretary
  21. 2007-08-10
    ➖
    BUCKLEY, Michael Alan resigned
    director
  22. 2007-08-10
    ➖
    COVELL, Gordon resigned
    director
  23. 2007-08-10
    ➖
    PEMBERTON, Glyn resigned
    director
  24. 2005-11-01
    ➕
    OSWIN, Emma Louise appointed
    secretary
  25. 2005-11-01
    ➖
    PEMBERTON, Janice Winifred resigned
    secretary
  26. 2005-06-10
    ➕
    OSWIN, Emma Louise appointed
    director
  27. 2005-06-10
    ➕
    BUCKLEY, Michael Alan appointed
    director
  28. 2005-06-10
    ➕
    COVELL, Gordon appointed
    director
  29. 2002-11-26
    🏢
    Company incorporated
    As ACTIVE MORTGAGE SERVICES LIMITED
  30. 2002-11-26
    ➕
    PEMBERTON, Janice Winifred appointed
    secretary
  31. 2002-11-26
    ➕
    TEMPLE SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  32. 2002-11-26
    ➖
    TEMPLE SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  33. 2002-11-26
    ➕
    PEMBERTON, Glyn appointed
    director
  34. 2002-11-26
    ➕
    COMPANY DIRECTORS LIMITED appointed
    corporate-nominee-director
  35. 2002-11-26
    ➖
    COMPANY DIRECTORS LIMITED resigned
    corporate-nominee-director

Owner dependency

85/100
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 21 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

75/100
Likely off-market candidate

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

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 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
Miss Emma Louise Oswin
Individual · British · DOB 10/1973 · age 53
25–50%
—25-50% shares01/06/2016

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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CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
A & R SHEEKEY LIMITED→
07343715 · est 2010 · no financials extracted
————15y——
A AND R MORTGAGE & PROTECTION SPECIALISTS LTD→
15677835 · est 2024 · no financials extracted
————1y——
A B S FINANCIAL LIMITED→
15274291 · est 2023 · no financials extracted
————2y——
A T & P INVESTMENTS LTD→
13558183 · est 2021 · no financials extracted
————4y——
A W FINANCIAL SERVICES LIMITED→
04980133 · est 2003 · no financials extracted
————22y——
AC FINANCE LIMITED→
04074753 · est 2000 · no financials extracted
————25y——
ACTIVE BUSINESS PROTECTION LIMITED→
14535477 · est 2022 · no financials extracted
————3y——
ACTIVE FINANCIAL PLANNERS LIMITED→
04039863 · est 2000 · no financials extracted
————25y——
AGRICULTURAL & GROUNDSCARE FINANCE LIMITED→
05526550 · est 2005 · no financials extracted
————20y——
ALISON MOULLAALI LIMITED→
10034695 · est 2016 · no financials extracted
————10y——
ALTON PROPERTY SALES LTD→
12321708 · est 2019 · no financials extracted
————6y——
AM MORTGAGES (NE) LIMITED→
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————8y——
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
Incorporated2002-11-26
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

3 Highcliff View
Westgate
Guisborough
Cleveland
TS14 6AY

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-10
Last: 2025-11-26

Officers (1 active · 9 resigned)

OSWIN, Emma Louise→
director · ~53y · appointed 2005-06-10
View their other companies + combined net worth →
Active
OSWIN, Alistair John→
secretary · appointed 2007-08-10 · resigned 2012-03-21
Resigned
OSWIN, Emma Louise→
secretary · appointed 2005-11-01 · resigned 2007-08-10
Resigned
PEMBERTON, Janice Winifred→
secretary · appointed 2002-11-26 · resigned 2005-11-01
Resigned
TEMPLE SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 2002-11-26 · resigned 2002-11-26
Resigned
BUCKLEY, Michael Alan→
director · ~60y · appointed 2005-06-10 · resigned 2007-08-10
Resigned
COVELL, Gordon→
director · ~73y · appointed 2005-06-10 · resigned 2007-08-10
Resigned
JONES, Michael Frank→
director · ~65y · appointed 2008-01-25 · resigned 2009-05-18
Resigned
PEMBERTON, Glyn→
director · ~76y · appointed 2002-11-26 · resigned 2007-08-10
Resigned
COMPANY DIRECTORS LIMITED→
corporate-nominee-director · appointed 2002-11-26 · resigned 2002-11-26
Resigned

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

Recent filings (86 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-19
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-12-02
change-account-reference-date-company-previous-extended
accounts · AA01
2019-09-03