COLESHILL MORTGAGE SERVICES LIMITED
🌳Matureactive
05711103 · ltd · incorporated 2006-02-15
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 Mar 2026
Net worth
£20.0k
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 76/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (78/100)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 (3 active, 5 linked, 3 with DOB)
82
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
77 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £20,004
Net assets shrinking
Down £295 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
£46k
Net Worth
£20k
↓ 1.5% YoY
Current Assets
£55k
↓ 5.1% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2026-03-31 | 2025-03-31 |
|---|---|---|
| Total assets | £20.0k | £22.7k |
| Current assets | £55.3k | £58.3k |
| Cash | £46.5k | — |
| Debtors | £8.9k | — |
| Net assets | £20.0k | £20.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 signals 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
3
filings
- • 1 resolution
- • 1 incorporation
- • 1 accounts
Last 90 days
3
filings
- • 1 resolution
- • 1 incorporation
- • 1 accounts
Last 180 days
5
filings
- • 1 resolution
- • 1 incorporation
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2026-07-13📄resolutionresolution · RESOLUTIONS
- 2026-07-13📄memorandum-articlesincorporation · MA
- 2026-07-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-03-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-19➖SALINAS, Helen Lisa resigneddirector
- 2025-06-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-02-14📄change-person-secretary-company-with-change-dateofficers · CH03
- 2024-02-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-06-30📄change-person-director-company-with-change-dateofficers · CH01
- 2023-06-30📄change-person-director-company-with-change-dateofficers · CH01
- 2023-06-30📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-06-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-06-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-05-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-05-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-03-20📄memorandum-articlesincorporation · MA
- 2021-03-20📄resolutionresolution · RESOLUTIONS
- 2021-02-08➕SPERBER, Daniel appointeddirector
- 2017-03-31➕SALINAS, Helen Lisa appointeddirector
- 2012-02-16➖RHODES, Helen Lisa resignedsecretary
- 2006-08-25➕SALINAS, Helen Lisa appointedsecretary
- 2006-02-15🏢Company incorporatedAs COLESHILL MORTGAGE SERVICES LIMITED
- 2006-02-15➕SALINAS, Phillip Anthony appointeddirector
- 2006-02-15➕RHODES, Helen Lisa appointedsecretary
Owner dependency
68/100
High — earn-out structure requiredMaterial 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 20 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 20 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Helen Lisa Salinas Individual · British · DOB 06/1969 · age 57 | 25–50% | — | 25-50% shares | 12/07/2021 |
Mr Phillip Anthony Salinas Individual · British · DOB 06/1970 · age 56 | — | — | sig. influencesignificant influence | 06/04/2016 |
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 →Similar companies
Active · Financial services · DE postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| DEUFIN LTD→ 12248122 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| EXPATRIATE ADVISORY SERVICES LIMITED→ 01352844 · est 1978 · no financials extracted | — | — | — | — | 48y | — | — |
| EXPERT MONEY ADVICE LTD→ 11006420 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| FACE TO FACE FINANCIAL PLANNING LIMITED→ 05557054 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| FAIRFIELDS INVESTMENTS LTD→ 15123353 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| FAST BUY MORTGAGE SOLUTIONS LTD→ 15997471 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| FEUDAL PROPERTY LIMITED→ 14379941 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| FINANCE ADVICE CENTRE LTD→ 08948140 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| FINANCE ADVICE GROUP LTD→ 08951525 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| FINANCIAL FREEDOM FOR LIFE LTD→ 05394643 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| FIND A MORTGAGE ONLINE LTD→ 08662127 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| FIND THE RIGHT MORTGAGE LTD→ 10971864 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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
Incorporated2006-02-15
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
109 Knowles Hill Rolleston On Dove
Burton On Trent
Staffordshire
DE13 9DZ
United Kingdom
Filing status
Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-03-01
Last: 2026-02-15
Officers (3 active · 2 resigned)
SALINAS, Helen Lisa→
Activesecretary · appointed 2006-08-25
View their other companies + combined net worth →
SALINAS, Phillip Anthony→
Activedirector · ~56y · appointed 2006-02-15
View their other companies + combined net worth →
SPERBER, Daniel→
Activedirector · ~47y · appointed 2021-02-08
View their other companies + combined net worth →
RHODES, Helen Lisa→
Resignedsecretary · appointed 2006-02-15 · resigned 2012-02-16
SALINAS, Helen Lisa→
Resigneddirector · ~57y · appointed 2017-03-31 · resigned 2026-03-19
Click a director name to see their full track record across all companies.
Recent filings (77 total)
resolution
resolution · RESOLUTIONS
2026-07-13
memorandum-articles
incorporation · MA
2026-07-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-07-03
termination-director-company-with-name-termination-date
officers · TM01
2026-03-20
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-27
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-25
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-02-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-20
change-person-secretary-company-with-change-date
officers · CH03
2024-02-14
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-02-13
change-person-director-company-with-change-date
officers · CH01
2023-06-30
change-person-director-company-with-change-date
officers · CH01
2023-06-30
change-person-secretary-company-with-change-date
officers · CH03
2023-06-30