ADVANCED MORTGAGE LENDING LTD
💤Zombieactive
05297126 · ltd · incorporated 2004-11-26
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 Nov 2025
Net worth
£493.3k
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Administration of financial markets
Sector: Financial & insurance
ALSO REGISTERED FOR
- 68100Buying and selling of own real estate
- 68209Other letting and operating of own or leased real estate
Investor take
PursueAsset-holding vehicle with a 61-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (80/100, director aged 61). 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: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
2 live charges · oldest 4.8y
35/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~4.8 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
75 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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £493,266
Net assets shrinking
Down £41,282 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£493k
↓ 7.7% YoY
Current Assets
£144k
↓ 46% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-11-30 | 2024-11-30 |
|---|---|---|
| Total assets | £493.3k | £708.3k |
| Current assets | £144.0k | £266.0k |
| Net assets | £493.3k | £534.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2026-03-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-07-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-28🔓Charge satisfied #2
- 2025-07-28🔓Charge satisfied #1
- 2025-04-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-16📄capital-allotment-sharescapital · SH01
- 2024-06-16📄capital-alter-shares-subdivisioncapital · SH02
- 2024-06-16📄resolutionresolution · RESOLUTIONS
- 2024-06-16📄resolutionresolution · RESOLUTIONS
- 2024-06-16📄memorandum-articlesincorporation · MA
- 2024-02-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-02-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-10-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-10-22🔒Charge registered #2Lender: Lloyds Bank PLC
- 2021-08-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-07-29🔒Charge registered #1Lender: Lloyds Bank PLC
- 2021-03-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-05-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2007-01-31➕NICOLAOU, Louise Jayne appointedsecretary
- 2007-01-31➖YOUNG, James resignedsecretary
- 2006-02-24➖MARZELL, Simon Alexander resignedsecretary
- 2006-02-20➕YOUNG, James appointedsecretary
- 2006-02-20➖YOUNG, James resigneddirector
- 2005-07-12➕NICOLAOU, Christopher appointeddirector
- 2004-11-26🏢Company incorporatedAs ADVANCED MORTGAGE LENDING LTD
- 2004-11-26➕MARZELL, Simon Alexander appointedsecretary
- 2004-11-26➕YOUNG, James appointeddirector
Owner dependency
93/100
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
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
Succession & seller-readiness
85/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. 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 21 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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Christopher Nicolaou Individual · British · DOB 09/1965 · age 61 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/10/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| 190 LABURNUM GROVE LIMITED→ 11677321 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 1STCALLLEGAL LTD→ 14675591 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| AB WEALTH LTD→ 10888052 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ACTION FINANCE LIMITED→ 07123753 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| ADAMAS INVESTMENTS LIMITED→ 16134067 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADVACO INVESTMENTS LIMITED→ 13150823 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AE FINANCIAL SERVICES LIMITED→ 03655039 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| AFFINITY INSURANCE SERVICES LIMITED→ 03733956 · est 1999 · no financials extracted | — | — | — | — | 27y | — | — |
| AL SPECIALIST MORTGAGE SOLUTIONS LTD→ 14923482 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ALAM FS LTD→ 16999823 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ALBANY PARK MORTGAGES LIMITED→ 15792741 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ALGEA GROUP LTD→ 14612851 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2004-11-26
Jurisdictionengland-wales
Primary SIC66110 — Administration of financial markets
Registered office
42-44 West Street
Fareham
Hampshire
PO16 0JN
England
Filing status
Accounts
Next due: 2027-08-31
Last made up to: 2025-11-30
Confirmation statement
Next due: 2027-02-19
Last: 2026-02-05
Officers (2 active · 3 resigned)
NICOLAOU, Louise Jayne→
Activesecretary · appointed 2007-01-31
View their other companies + combined net worth →
NICOLAOU, Christopher→
Activedirector · ~61y · appointed 2005-07-12
View their other companies + combined net worth →
MARZELL, Simon Alexander→
Resignedsecretary · appointed 2004-11-26 · resigned 2006-02-24
YOUNG, James→
Resignedsecretary · appointed 2006-02-20 · resigned 2007-01-31
YOUNG, James→
Resigneddirector · ~66y · appointed 2004-11-26 · resigned 2006-02-20
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 22/10/2021 | 28/07/2025 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 29/07/2021 | 28/07/2025 |
Recent filings (75 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-11
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-05
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-28
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-28
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-25
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-03
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-25
capital-allotment-shares
capital · SH01
2024-06-16
capital-alter-shares-subdivision
capital · SH02
2024-06-16
resolution
resolution · RESOLUTIONS
2024-06-16
resolution
resolution · RESOLUTIONS
2024-06-16
memorandum-articles
incorporation · MA
2024-06-16
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-30
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-30