AAA MORTGAGES LTD

💤Zombieactive
05395040 · ltd · incorporated 2005-03-16
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
£430
book net assets
Opportunity
72/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Special-situation opportunity
Distressed financial-services with salvageable qualities — special-situations priority.

Opportunity 72/100 (strong), bankability 65/100. Strong seller-intent signal (65/100, director aged 59). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (77/100)

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 (2 active, 4 linked, 1 with DOB)
75
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
57 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £430

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£430
~ YoY
Current Assets
£430
~ YoY
Current Liabilities
—
£0£86£172£258£344£430Mar 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£430£430
Current assets£430£430
Net assets£430£430

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

Recent activity

Last 30 days
1
filing
  • • 1 gazette
Last 90 days
1
filing
  • • 1 gazette
Last 180 days
1
filing
  • • 1 gazette
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2026-05-05
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  2. 2025-12-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-12-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-12-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-12-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-12-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-01-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-12-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2018-10-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2017-12-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2016-12-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2016-03-21
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  13. 2015-12-21
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2015-03-19
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2014-12-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2014-04-04
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2005-09-27
    ➕
    SMITH, Michelle Elizabeth appointed
    secretary
  18. 2005-03-21
    ➕
    SMITH, Andrew Mark appointed
    director
  19. 2005-03-17
    ➖
    FORM 10 SECRETARIES FD LTD resigned
    corporate-nominee-secretary
  20. 2005-03-17
    ➖
    FORM 10 DIRECTORS FD LTD resigned
    corporate-nominee-director
  21. 2005-03-16
    🏢
    Company incorporated
    As AAA MORTGAGES LTD
  22. 2005-03-16
    ➕
    FORM 10 SECRETARIES FD LTD appointed
    corporate-nominee-secretary
  23. 2005-03-16
    ➕
    FORM 10 DIRECTORS FD LTD appointed
    corporate-nominee-director

Owner dependency

93/100
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
  • +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 59 — approaching natural succession window.

Succession & seller-readiness

80/100
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 59. 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 21 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

1 high ·
Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-02-08

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Andrew Mark Smith
Individual · British · DOB 12/1967 · age 59
25–50%
—25-50% shares06/04/2016
Mrs Michelle Elizabeth Smith
Individual · British · DOB 06/1978 · age 48
25–50%
—25-50% shares06/04/2016

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 →

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————9y——
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12540435 · est 2020 · no financials extracted
————6y——
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12309501 · est 2019 · no financials extracted
————6y——
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————21y——
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————27y——
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BRADSTYLE LIMITED→
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————7y——
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2005-03-16
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

103 Harlow Crescent
Harrogate
North Yorkshire
HG2 0AL

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-02-08OVERDUE
Last: 2025-01-25

Officers (2 active · 2 resigned)

SMITH, Michelle Elizabeth→
secretary · appointed 2005-09-27
View their other companies + combined net worth →
Active
SMITH, Andrew Mark→
director · ~59y · appointed 2005-03-21
View their other companies + combined net worth →
Active
FORM 10 SECRETARIES FD LTD→
corporate-nominee-secretary · appointed 2005-03-16 · resigned 2005-03-17
Resigned
FORM 10 DIRECTORS FD LTD→
corporate-nominee-director · appointed 2005-03-16 · resigned 2005-03-17
Resigned

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

Recent filings (57 total)

gazette-notice-compulsory
gazette · GAZ1
2026-05-05
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-04
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-28
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-28
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-27
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-25
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-03
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-03-03