ADVANTA LOSS ADJUSTERS LIMITED
💤Zombieactive
04800575 · ltd · incorporated 2003-06-16
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
—
not disclosed
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Risk and damage evaluation
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 77/100 (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: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 18.7y
30/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 18.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (58/100)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
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
86 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
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
100
Good data coverage for analysis.
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 (26 events)Click to expand
- 2025-12-24📄accounts-with-accounts-type-fullaccounts · AA
- 2025-11-25📄accounts-amended-with-made-up-dateaccounts · AAMD
- 2024-12-31📄accounts-with-accounts-type-audited-abridgedaccounts · AA
- 2024-07-05📄change-person-director-company-with-change-dateofficers · CH01
- 2024-07-05📄change-person-secretary-company-with-change-dateofficers · CH03
- 2024-04-30📄accounts-with-accounts-type-smallaccounts · AA
- 2024-03-16📄gazette-filings-brought-up-to-dategazette · DISS40
- 2024-03-12📄gazette-notice-compulsorygazette · GAZ1
- 2023-05-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-05-04📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-05-04📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-24📄accounts-with-accounts-type-smallaccounts · AA
- 2023-03-17📄gazette-filings-brought-up-to-dategazette · DISS40
- 2023-03-10📄dissolved-compulsory-strike-off-suspendeddissolution · DISS16(SOAS)
- 2023-02-28📄gazette-notice-compulsorygazette · GAZ1
- 2022-06-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-06-27📄change-person-secretary-company-with-change-dateofficers · CH03
- 2022-06-27📄change-person-director-company-with-change-dateofficers · CH01
- 2021-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2010-06-22🔒Charge registered #2Lender: Coutts & Company
- 2009-06-30➖REVENGA, Roberto resigneddirector
- 2007-09-21🔒Charge registered #1Lender: Catlin Underwriting
- 2003-06-16🏢Company incorporatedAs ADVANTA LOSS ADJUSTERS LIMITED
- 2003-06-16➕VIAR, Gorka appointedsecretary
- 2003-06-16➕VIAR, Gorka appointeddirector
- 2003-06-16➕REVENGA, Roberto appointeddirector
Owner dependency
85/100
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 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 Gorka Viar Individual · Spanish · DOB 04/1971 · age 55 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 28/12/2017 |
1 historic (ceased) PSC
- Advanta Holdings Limitedceased 28/12/2017· 75-100% shares · 75-100% voting · board control
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 · EC postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ADVENT SOLUTIONS MANAGEMENT LIMITED→ 04092670 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| ADVENTURE FG LTD→ 16604236 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADVICE ECOSYSTEM TECHNOLOGIES LIMITED→ 15564560 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ADVICTUS LTD→ 16110215 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADVISABILITY LIMITED→ 09549027 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ADVISER TECHNOLOGIES LIMITED→ 10621213 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ADVISORY INSURANCE BROKERS LIMITED→ 04043759 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| AE OWNERSHIP COMPANY LIMITED→ 13246303 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AEGIS ELECTRIC & GAS INTERNATIONAL SERVICES 6 LTD→ 16725086 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AEGIS LONDON SERVICES LIMITED→ 06872527 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| AEGIS MANAGING AGENCY LIMITED→ 03413859 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
| AEGON SIPP GUARANTEE NOMINEE LIMITED→ 09125883 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated2003-06-16
Jurisdictionengland-wales
Primary SIC66210 — Risk and damage evaluation
Registered office
Wakefield House
41 Trinity Square
London
EC3N 4DJ
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-08-25
Last: 2025-08-11
Officers (2 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | NatWest Group Coutts & Company | Debenture | 1 property | 22/06/2010 | — | |
| outstanding | Catlin Underwriting | Rent deposit deed | 1 property | 21/09/2007 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (86 total)
accounts-with-accounts-type-full
accounts · AA
2025-12-24
accounts-amended-with-made-up-date
accounts · AAMD
2025-11-25
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-28
accounts-with-accounts-type-audited-abridged
accounts · AA
2024-12-31
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-28
change-person-director-company-with-change-date
officers · CH01
2024-07-05
change-person-secretary-company-with-change-date
officers · CH03
2024-07-05
accounts-with-accounts-type-small
accounts · AA
2024-04-30
gazette-filings-brought-up-to-date
gazette · DISS40
2024-03-16
gazette-notice-compulsory
gazette · GAZ1
2024-03-12
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-05-04
change-person-secretary-company-with-change-date
officers · CH03
2023-05-04
change-person-director-company-with-change-date
officers · CH01
2023-05-04
accounts-with-accounts-type-small
accounts · AA
2023-03-24