AM&A INVESTMENT & PENSION PLANNING LIMITED

💤Zombieactive
05275457 · ltd · incorporated 2004-11-02
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
—
year to Mar 2025
Net worth
£12.0k
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

1 live charge · oldest 9.2y

45/100
under pressure

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

  • · Oldest live charge is 9.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
8 officers (1 active, 8 linked, 5 with DOB)
83
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
69 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £12,031
Net assets shrinking
Down £5,551 YoY
Cash YoY
+1%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£200k
~ YoY
Net Worth
£12k
↓ 32% YoY
Current Assets
£200k
↓ 7.1% YoY
Current Liabilities
—
£0£43k£86k£129k£172k£215kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£12.0k£17.6k
Current assets£200.1k£215.4k
Cash£200.1k£198.3k
Debtors—£17.1k
Net assets£12.0k£17.6k

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 (33 events)Click to expand
  1. 2026-01-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-01-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-03-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-04-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2022-11-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-06-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-12-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-12-10
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2019-12-06
    ➖
    GOLDMAN, Deborah Frances resigned
    director
  11. 2019-01-21
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2019-01-16
    ➖
    MARKS, David Alan resigned
    director
  13. 2019-01-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2019-01-04
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  15. 2018-01-08
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  16. 2018-01-08
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  17. 2017-09-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2017-07-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2017-05-19
    ➕
    GOLDMAN, Stephen appointed
    director
  20. 2017-05-19
    ➕
    GOLDMAN, Deborah Frances appointed
    director
  21. 2017-05-19
    🔒
    Charge registered #1
    Lender: Vertus Capital SPV1 Limited
  22. 2010-11-01
    ➖
    MARKS, Amanda Jane resigned
    secretary
  23. 2010-11-01
    ➖
    LUMSDEN, Martin resigned
    director
  24. 2010-11-01
    ➖
    MARKS, Amanda Jane resigned
    director
  25. 2006-01-23
    ➕
    LUMSDEN, Martin appointed
    director
  26. 2004-11-02
    🏢
    Company incorporated
    As AM&A INVESTMENT & PENSION PLANNING LIMITED
  27. 2004-11-02
    ➕
    MARKS, Amanda Jane appointed
    secretary
  28. 2004-11-02
    ➕
    HCS SECRETARIAL LIMITED appointed
    corporate-nominee-secretary
  29. 2004-11-02
    ➖
    HCS SECRETARIAL LIMITED resigned
    corporate-nominee-secretary
  30. 2004-11-02
    ➕
    MARKS, Amanda Jane appointed
    director
  31. 2004-11-02
    ➕
    MARKS, David Alan appointed
    director
  32. 2004-11-02
    ➕
    HANOVER DIRECTORS LIMITED appointed
    corporate-nominee-director
  33. 2004-11-02
    ➖
    HANOVER DIRECTORS LIMITED resigned
    corporate-nominee-director

Owner dependency

75/100
High — earn-out structure required

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

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

55/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondaryStable-but-static management: Company is 22 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

S Goldman Ifa Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
S Goldman Ifa Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
AM&A INVESTMENT & PENSION PLANNING LIMITED
This company · 05275457

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

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
S Goldman Ifa Limited
Corporate entity
75–100%
50–75%board control75-100% shares · 75-100% voting · board control19/05/2017
1 historic (ceased) PSC
  • Mr David Alan Marksceased 19/05/2017· 75-100% shares

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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03449219 · est 1997 · no financials extracted
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00977853 · est 1970 · no financials extracted
————55y——
ANDSLEY CONSULTANTS LIMITED→
03483907 · est 1997 · no financials extracted
————28y——
ANGLO HEALTHCARE RECRUITMENT LIMITED→
11546056 · est 2018 · no financials extracted
————7y——
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03356347 · est 1997 · no financials extracted
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08677505 · est 2013 · no financials extracted
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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
Incorporated2004-11-02
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

First Floor, Winston House
349 Regents Park Road
London
N3 1DH
United Kingdom

Filing status

Accounts
Next due: 2027-01-05
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-16
Last: 2025-11-02

Officers (1 active · 7 resigned)

GOLDMAN, Stephen→
director · ~50y · appointed 2017-05-19
View their other companies + combined net worth →
Active
MARKS, Amanda Jane→
secretary · appointed 2004-11-02 · resigned 2010-11-01
Resigned
HCS SECRETARIAL LIMITED→
corporate-nominee-secretary · appointed 2004-11-02 · resigned 2004-11-02
Resigned
GOLDMAN, Deborah Frances→
director · ~51y · appointed 2017-05-19 · resigned 2019-12-06
Resigned
LUMSDEN, Martin→
director · ~58y · appointed 2006-01-23 · resigned 2010-11-01
Resigned
MARKS, Amanda Jane→
director · ~67y · appointed 2004-11-02 · resigned 2010-11-01
Resigned
MARKS, David Alan→
director · ~70y · appointed 2004-11-02 · resigned 2019-01-16
Resigned
HANOVER DIRECTORS LIMITED→
corporate-nominee-director · appointed 2004-11-02 · resigned 2004-11-02
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
Vertus Capital SPV1
Vertus Capital SPV1 Limited
A registered charge—19/05/2017—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (69 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-13
change-person-director-company-with-change-date
officers · CH01
2023-04-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-21
confirmation-statement-with-updates
confirmation-statement · CS01
2020-12-14
confirmation-statement-with-updates
confirmation-statement · CS01
2019-12-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-12