AUREUS FINANCIAL SERVICES LIMITED

🌳Matureactive
05518544 · ltd · incorporated 2005-07-26
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2024
Net worth
£-24.7k
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 60). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (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
5 officers (2 active, 5 linked, 4 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
60 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)
Negative net assets
Liabilities exceed assets by £24,697

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
-£25k
↓ 6.2% YoY
Current Assets
£6k
↓ 15% YoY
Current Liabilities
—
-£25k-£18k-£12k-£6k£215£6kJul 2023Jul 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2024-07-312023-07-31
Total assets£-17.0k£-14.4k
Current assets£5.5k£6.4k
Net assets£-24.7k£-23.2k

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 (22 events)Click to expand
  1. 2025-07-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-07-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-08-29
    ➖
    MIRZA, Akthar Beg resigned
    secretary
  4. 2023-08-29
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  5. 2023-07-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-04-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-04-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-05-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2017-04-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2016-12-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2016-12-06
    ➖
    MIRZA CANNON, Sahra Zarin resigned
    director
  14. 2016-04-06
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-10-15
    ➕
    MIRZA CANNON, Sahra Zarin appointed
    director
  16. 2015-10-15
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2006-10-20
    ➕
    MIRZA, Ambareen appointed
    director
  18. 2006-09-13
    ➖
    MIRZA, Ambareen resigned
    director
  19. 2005-09-29
    ➕
    MIRZA, Ambareen appointed
    director
  20. 2005-07-26
    🏢
    Company incorporated
    As AUREUS FINANCIAL SERVICES LIMITED
  21. 2005-07-26
    ➕
    ZAMAN, Muntassar appointed
    director
  22. 2005-07-26
    ➕
    MIRZA, Akthar Beg appointed
    secretary

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 21 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 60 — 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 60. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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.
  • 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Muntassar Zaman
Individual · British · DOB 05/1966 · age 60
75–100%
—board control75-100% shares · board control · firm interest07/04/2016

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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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
Incorporated2005-07-26
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

149 Higham Lane
Nuneaton
Warwickshire
CV11 6AN

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-07-31
Confirmation statement
Next due: 2026-09-12
Last: 2025-08-29

Officers (2 active · 3 resigned)

MIRZA, Ambareen→
director · ~56y · appointed 2006-10-20
View their other companies + combined net worth →
Active
ZAMAN, Muntassar→
director · ~60y · appointed 2005-07-26
View their other companies + combined net worth →
Active
MIRZA, Akthar Beg→
secretary · appointed 2005-07-26 · resigned 2023-08-29
Resigned
MIRZA, Ambareen→
director · ~56y · appointed 2005-09-29 · resigned 2006-09-13
Resigned
MIRZA CANNON, Sahra Zarin→
director · ~60y · appointed 2015-10-15 · resigned 2016-12-06
Resigned

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

Recent filings (60 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-11
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-30
termination-secretary-company-with-name-termination-date
officers · TM02
2023-08-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-04-08