PERSONAL ASSET MANAGEMENT LIMITED

🌳Matureactive
04898649 · ltd · incorporated 2003-09-15
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 22.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
81/100
Exceptional
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 70). 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: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 22.2y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 22.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (72/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
80 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-31
Average employees600

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
  1. 2026-06-03
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  2. 2025-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-09-01
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  4. 2025-07-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2025-07-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2025-07-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2025-07-09
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  8. 2025-07-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2024-03-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2024-03-21
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  11. 2024-03-16
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  12. 2024-03-16
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  13. 2023-08-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2023-08-14
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  15. 2022-03-25
    ➖
    THOMAS, Christopher Martin resigned
    director
  16. 2022-03-25
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2022-03-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2022-01-13
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  19. 2022-01-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  20. 2022-01-10
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  21. 2021-11-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  22. 2021-11-22
    ➕
    CADWALLADER, Ian Matthew appointed
    director
  23. 2004-04-07
    🔒
    Charge registered #1
    Lender: Hsbc Bank PLC
  24. 2003-11-24
    ➕
    EVANS, Michael John appointed
    secretary
  25. 2003-11-24
    ➕
    EVANS, Michael John appointed
    director
  26. 2003-11-24
    ➕
    THOMAS, Christopher Martin appointed
    director
  27. 2003-09-17
    ➖
    FORM 10 SECRETARIES FD LTD resigned
    corporate-nominee-secretary
  28. 2003-09-17
    ➖
    FORM 10 DIRECTORS FD LTD resigned
    corporate-nominee-director
  29. 2003-09-15
    🏢
    Company incorporated
    As PERSONAL ASSET MANAGEMENT LIMITED
  30. 2003-09-15
    ➕
    FORM 10 SECRETARIES FD LTD appointed
    corporate-nominee-secretary
  31. 2003-09-15
    ➕
    FORM 10 DIRECTORS FD LTD appointed
    corporate-nominee-director

Owner dependency

83/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 70 — succession pressure is live.

Succession & seller-readiness

96/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Group structure

2 corporate shareholders identified. Group structure is distributed.

🏛️
Personal Asset Management Wealth Limited
Corporate parent · holds 75-100% shares
ultimate parent
🏛️
Personal Asset Wealth Management Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
PERSONAL ASSET MANAGEMENT LIMITED
This company · 04898649

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

2 active beneficial owners · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Personal Asset Management Wealth Limited
Corporate entity
75–100%
75–100%75-100% shares · 75-100% voting16/02/2024
Personal Asset Wealth Management Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control16/02/2024
2 historic (ceased) PSCs
  • Mr Christopher Martin Thomasceased 16/02/2024· significant influence
  • Mr Michael John Evansceased 16/02/2024· significant influence

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
Incorporated2003-09-15
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

The Orchard Corner
Ffrydd Road
Knighton
Powys
LD7 1DB
Wales

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-09-15
Last: 2025-09-01

Officers (3 active · 3 resigned)

EVANS, Michael John→
secretary · appointed 2003-11-24
View their other companies + combined net worth →
Active
CADWALLADER, Ian Matthew→
director · ~53y · appointed 2021-11-22
View their other companies + combined net worth →
Active
EVANS, Michael John→
director · ~70y · appointed 2003-11-24
View their other companies + combined net worth →
Active
FORM 10 SECRETARIES FD LTD→
corporate-nominee-secretary · appointed 2003-09-15 · resigned 2003-09-17
Resigned
THOMAS, Christopher Martin→
director · ~67y · appointed 2003-11-24 · resigned 2022-03-25
Resigned
FORM 10 DIRECTORS FD LTD→
corporate-nominee-director · appointed 2003-09-15 · resigned 2003-09-17
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
HSBC
Hsbc Bank PLC
Debenture1 property07/04/2004—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (80 total)

change-account-reference-date-company-current-extended
accounts · AA01
2026-06-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-30
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-17
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-09-01
change-person-director-company-with-change-date
officers · CH01
2025-07-14
change-person-director-company-with-change-date
officers · CH01
2025-07-14
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-07-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-09
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-27
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-03-21
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-16
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-16
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-06