AMBER WEALTH CREATION LIMITED

💤Zombieactive
04870073 · ltd · incorporated 2003-08-18
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
82/100
Exceptional
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 65201Life reinsurance
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 58). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · oldest 21.0y

45/100
under pressure

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

  • · Oldest live charge is 21.0 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (56/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 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
6 officers (2 active, 6 linked, 2 with DOB)
77
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
61 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
100
Good data coverage for analysis.

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 (28 events)Click to expand
  1. 2025-10-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-10-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-04-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2024-04-12
    🔒
    Charge registered #2
    Lender: National Westminster Bank PLC
  5. 2023-10-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-10-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-10-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-11-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-02-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-10-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-11-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2016-10-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2015-09-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2015-09-03
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2014-10-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2014-09-09
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2005-07-04
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  18. 2004-08-10
    ➕
    FISSENDEN, Paula appointed
    secretary
  19. 2004-08-10
    ➖
    FISSENDEN, John resigned
    secretary
  20. 2004-08-10
    ➖
    MARKHAM, Leo Sargent resigned
    director
  21. 2003-08-18
    🏢
    Company incorporated
    As AMBER WEALTH CREATION LIMITED
  22. 2003-08-18
    ➕
    FISSENDEN, John appointed
    director
  23. 2003-08-18
    ➕
    FISSENDEN, John appointed
    secretary
  24. 2003-08-18
    ➕
    JPCORS LIMITED appointed
    corporate-nominee-secretary
  25. 2003-08-18
    ➖
    JPCORS LIMITED resigned
    corporate-nominee-secretary
  26. 2003-08-18
    ➕
    MARKHAM, Leo Sargent appointed
    director
  27. 2003-08-18
    ➕
    JPCORD LIMITED appointed
    corporate-nominee-director
  28. 2003-08-18
    ➖
    JPCORD 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 23 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

85/100
Likely off-market candidate

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • 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

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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr John Fissenden
Individual · British · DOB 07/1968 · age 58
75–100%
75–100%board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · firm interest06/04/2016

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 →

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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
Incorporated2003-08-18
Jurisdictionengland-wales
Primary SIC65110 — Life insurance

Registered office

Prosperity House
Hanborough Business Park
Long Hanborough
Oxfordshire
OX29 8SB

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-09-01
Last: 2025-08-18

Officers (2 active · 4 resigned)

FISSENDEN, Paula→
secretary · appointed 2004-08-10
View their other companies + combined net worth →
Active
FISSENDEN, John→
director · ~58y · appointed 2003-08-18
View their other companies + combined net worth →
Active
FISSENDEN, John→
secretary · appointed 2003-08-18 · resigned 2004-08-10
Resigned
JPCORS LIMITED→
corporate-nominee-secretary · appointed 2003-08-18 · resigned 2003-08-18
Resigned
MARKHAM, Leo Sargent→
director · ~73y · appointed 2003-08-18 · resigned 2004-08-10
Resigned
JPCORD LIMITED→
corporate-nominee-director · appointed 2003-08-18 · resigned 2003-08-18
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property12/04/2024—
outstanding
National Westminster Bank
National Westminster Bank PLC
Debenture1 property04/07/2005—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (61 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-12
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-21
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-22
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-18
accounts-with-accounts-type-micro-entity
accounts · AA
2020-11-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-08-19
accounts-with-accounts-type-micro-entity
accounts · AA
2019-02-21