A M RUTHVEN & ASSOCIATES LIMITED
💤Zombieactive
04690684 · ltd · incorporated 2003-03-07
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 Jan 2025
Net worth
£26.2k
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle 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 (78/100)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
3 officers (2 active, 3 linked, 1 with DOB)
77
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
55 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.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £26,235
Very low cash
Cash position: £41
Cash YoY
+0%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£41
~ YoY
Net Worth
£26k
↑ 34% YoY
Current Assets
£8k
↑ 269% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £57.3k | £53.1k |
| Current assets | £8.4k | £2.3k |
| Cash | £41 | £41 |
| Debtors | £8.4k | £2.2k |
| Net assets | £26.2k | £19.6k |
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 (20 events)Click to expand
- 2025-09-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-05-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-03-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-03-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-10-31📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-03-22📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-11-16📄accounts-amended-with-accounts-type-total-exemption-smallaccounts · AAMD
- 2015-10-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2003-03-07🏢Company incorporatedAs A M RUTHVEN & ASSOCIATES LIMITED
- 2003-03-07➕RUTHVEN, Claire Louise appointedsecretary
- 2003-03-07➕RUTHVEN, Alexander Morris appointeddirector
- 2003-03-07➕SWIFT INCORPORATIONS LIMITED appointedcorporate-nominee-secretary
- 2003-03-07➖SWIFT INCORPORATIONS LIMITED resignedcorporate-nominee-secretary
Owner dependency
100/100
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.
- +Founder name in company name: Company name contains director surname "RUTHVEN" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
75/100
Likely off-market candidateStrong 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 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alexander Morris Ruthven Individual · British · DOB 08/1971 · age 55 | 75–100% | — | 75-100% shares | 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 · TA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CALLUNA ENTERPRISES LTD→ 07887084 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CENTURY WEALTH MANAGEMENT LTD→ 15434537 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| CLARK SHAW ASSOCIATES LIMITED→ 15118839 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CLP SAFETY & TRAINING LIMITED→ 07042776 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| COGENT PLANNING LTD→ 08703693 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| COLLIS FINANCIAL SERVICES LIMITED→ 08447457 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| COMMERCIAL MORTGAGE GROUP LIMITED→ 05845229 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| CONNECT & PROTECT LIMITED→ 06943790 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| COOKE FINANCIAL GROUP LIMITED→ 16723642 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| COOPER ASSOCIATES LIMITED→ 06760773 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| CUSHION FINANCIAL LIMITED→ 11909130 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| DANAE CAPITAL LIMITED→ 12601998 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated2003-03-07
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
16 Fullands Road
Taunton
TA1 3DD
England
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-03-21
Last: 2026-03-07
Officers (2 active · 1 resigned)
RUTHVEN, Claire Louise→
Activesecretary · appointed 2003-03-07
View their other companies + combined net worth →
RUTHVEN, Alexander Morris→
Activedirector · ~55y · appointed 2003-03-07
View their other companies + combined net worth →
SWIFT INCORPORATIONS LIMITED→
Resignedcorporate-nominee-secretary · appointed 2003-03-07 · resigned 2003-03-07
Click a director name to see their full track record across all companies.
Recent filings (55 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-08-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2019-07-24