ASSET MORTGAGE SOLUTIONS LIMITED

🌳Matureactive
05194100 · ltd · incorporated 2004-07-30
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£55.1k
book net assets
Opportunity
81/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 62-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 62). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (79/100)

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
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
54 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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £55,123

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£55k
↑ 17% YoY
Current Assets
£113k
↑ 110% YoY
Current Liabilities
—
£0£23k£45k£68k£91k£113kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-03-312024-03-31
Total assets£55.1k£47.2k
Current assets£113.4k£54.1k
Net assets£55.1k£47.2k

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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2025-06-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-12-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-04-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2024-04-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2023-12-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-06-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-12-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-05-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-10-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-12-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-12-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2016-12-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2015-12-24
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2015-11-02
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2015-08-05
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2004-10-13
    ➕
    RICHARDS, Martyn Antony appointed
    director
  17. 2004-10-13
    ➖
    ELSON, Kevin Barry resigned
    director
  18. 2004-07-30
    🏢
    Company incorporated
    As ASSET MORTGAGE SOLUTIONS LIMITED
  19. 2004-07-30
    ➕
    HATHWAY, Phillip Rhys appointed
    secretary
  20. 2004-07-30
    ➕
    HATHWAY, Phillip Rhys appointed
    director
  21. 2004-07-30
    ➕
    ELSON, Kevin Barry appointed
    director

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

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 22 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.

Succession & seller-readiness

76/100
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 62. Early succession window.
  • 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr Martyn Antony Richards
Individual · Welsh · DOB 05/1964 · age 62
25–50%
—25-50% shares30/07/2016
Mr Phillip Rhys Hathway
Individual · British · DOB 10/1972 · age 54
25–50%
—25-50% shares30/07/2016

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 · NP postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
ACTIVE FINANCIAL ADVISERS LTD→
12307130 · est 2019 · no financials extracted
————6y——
ACUMEN ASSOCIATE FINANCIAL SERVICES LTD→
05009614 · est 2004 · no financials extracted
————22y——
ADAM LEWIS FIRST IN MORTGAGES LTD→
16301001 · est 2025 · no financials extracted
————1y——
ALRO HOMES LTD→
13524234 · est 2021 · no financials extracted
————4y——
AMBER SHIELD FINANCE LTD→
15512614 · est 2024 · no financials extracted
————2y——
AMPLE MORTGAGES LIMITED→
12528571 · est 2020 · no financials extracted
————6y——
ATM SERVICES LIMITED→
04682264 · est 2003 · no financials extracted
————23y——
AUGUST THREE INVESTMENT LTD→
09883253 · est 2015 · no financials extracted
————10y——
AXYLHOMES LTD→
12608686 · est 2020 · no financials extracted
————5y——
BAAZ INVESTMENT LIMITED→
15967070 · est 2024 · no financials extracted
————1y——
BANCROFT WEALTH LTD→
12419397 · est 2020 · no financials extracted
————6y——
BARRIAN CLAIMS LTD→
07651035 · est 2011 · no financials extracted
————14y——
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
Incorporated2004-07-30
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

45 Bridge Street
Usk
Monmouthshire
NP15 1BQ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-13
Last: 2025-07-30

Officers (3 active · 1 resigned)

HATHWAY, Phillip Rhys→
secretary · appointed 2004-07-30
View their other companies + combined net worth →
Active
HATHWAY, Phillip Rhys→
director · ~54y · appointed 2004-07-30
View their other companies + combined net worth →
Active
RICHARDS, Martyn Antony→
director · ~62y · appointed 2004-10-13
View their other companies + combined net worth →
Active
ELSON, Kevin Barry→
director · ~54y · appointed 2004-07-30 · resigned 2004-10-13
Resigned

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

Recent filings (54 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-09
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-30
change-person-director-company-with-change-date
officers · CH01
2024-04-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-04-27
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-10
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-10
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-21
accounts-with-accounts-type-micro-entity
accounts · AA
2020-05-17
accounts-with-accounts-type-micro-entity
accounts · AA
2019-10-08