ASTON & SMITH MORTGAGE SERVICES LTD
🌳Matureactive
05154464 · ltd · incorporated 2004-06-15
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 10.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 77/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 10.7y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 10.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 3 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
65 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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Average employees | 400 | 400 |
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
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2026-02-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-01-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-06-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-17➕SWANSTON, Andrew Hamilton appointeddirector
- 2022-12-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-03-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-06-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-06-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-03-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-03-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-01-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-01-19📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-11-26🔒Charge registered #1Lender: Barclays Bank PLC
- 2009-01-26➕ASTON, Carrol appointedsecretary
- 2009-01-26➖SMITH, Janice resignedsecretary
- 2009-01-26➖SMITH, Janice resigneddirector
- 2005-06-30➕SMITH, Janice appointedsecretary
- 2004-12-24➖TOMS, Martin Ralph resignedsecretary
- 2004-09-02➕TOMS, Martin Ralph appointedsecretary
- 2004-06-15🏢Company incorporatedAs ASTON & SMITH MORTGAGE SERVICES LTD
- 2004-06-15➕ASTON, Steven appointeddirector
- 2004-06-15➕DUPORT SECRETARY LIMITED appointedcorporate-nominee-secretary
- 2004-06-15➖DUPORT SECRETARY LIMITED resignedcorporate-nominee-secretary
- 2004-06-15➕SMITH, Janice appointeddirector
- 2004-06-15➕DUPORT DIRECTOR LIMITED appointedcorporate-nominee-director
- 2004-06-15➖DUPORT DIRECTOR LIMITED resignedcorporate-nominee-director
Owner dependency
83/100
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "ASTON" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Hamilton Swanston Individual · British · DOB 01/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 17/02/2023 |
Mr Steven Aston Individual · British · DOB 09/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 30/06/2016 |
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 →Similar companies
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|---|---|---|---|---|---|---|---|
| AMANDA HOPPE LTD→ 16594695 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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| ANDREWSMITHCO LIMITED→ 11541496 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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| APPROVED FINANCE LIMITED→ 12128460 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| APRICUS FINANCIAL PLANNING LIMITED→ 13931345 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ART STONE PROPERTIES LTD→ 16969723 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ASH AND NOAH LIMITED→ 11741615 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ASSET FINANCE NORTHAMPTON LIMITED→ 10675624 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ASTMOOR FINANCE LTD→ 12297014 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ATLANTIC GATEWAY INITIATIVE LIMITED→ 16243489 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2004-06-15
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
86 Rockingham Road
Corby
Northamptonshire
NN17 1AE
England
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-06-29
Last: 2026-06-15
Officers (3 active · 5 resigned)
Active
ASTON, Steven→
Activedirector · ~53y · appointed 2004-06-15
View their other companies + combined net worth →
SWANSTON, Andrew Hamilton→
Activedirector · ~46y · appointed 2023-02-17
View their other companies + combined net worth →
SMITH, Janice→
Resignedsecretary · appointed 2005-06-30 · resigned 2009-01-26
TOMS, Martin Ralph→
Resignedsecretary · appointed 2004-09-02 · resigned 2004-12-24
DUPORT SECRETARY LIMITED→
Resignedcorporate-nominee-secretary · appointed 2004-06-15 · resigned 2004-06-15
SMITH, Janice→
Resigneddirector · ~66y · appointed 2004-06-15 · resigned 2009-01-26
DUPORT DIRECTOR LIMITED→
Resignedcorporate-nominee-director · appointed 2004-06-15 · resigned 2004-06-15
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 26/11/2015 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (65 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-06-21
accounts-with-accounts-type-micro-entity
accounts · AA
2026-02-17
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-14
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-19
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-15
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-06-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-06-09
appoint-person-director-company-with-name-date
officers · AP01
2023-03-06
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-12-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-16
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-10
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-29