ASSURED DIRECT HOMELOANS LTD
🌳Matureactive
05940124 · ltd · incorporated 2006-09-19
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
£39.3k
book net assets
Opportunity
81/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 64-year-old founder — textbook succession opportunity.
Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
51 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 · accounting standard not declaredPositive net assets
Net assets £39,330
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£39k
~ YoY
Current Assets
£1k
~ YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-02-28 | 2024-02-29 |
|---|---|---|
| Total assets | £39.3k | £39.3k |
| Current assets | £1.0k | £1.0k |
| Net assets | £39.3k | £39.3k |
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
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2025-11-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-02-14📄change-person-director-company-with-change-dateofficers · CH01
- 2022-02-14📄change-person-secretary-company-with-change-dateofficers · CH03
- 2022-02-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-11-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-11-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-16📄change-person-director-company-with-change-dateofficers · CH01
- 2018-08-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2017-11-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-05-02📄accounts-amended-with-accounts-type-total-exemption-smallaccounts · AAMD
- 2016-11-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2006-09-19🏢Company incorporatedAs ASSURED DIRECT HOMELOANS LTD
- 2006-09-19➕KENNY, Graham appointedsecretary
- 2006-09-19➕HOPE, Wayne David appointeddirector
- 2006-09-19➕KENNY, Graham appointeddirector
Owner dependency
76/100
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.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
79/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 20 years.
- 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 |
|---|---|---|---|---|
Mr Wayne David Hope Individual · British · DOB 12/1962 · age 64 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 30/06/2016 |
Mr Graham Kenny Individual · British · DOB 04/1963 · age 63 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 30/06/2016 |
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.
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|---|---|---|---|---|---|---|---|
| 23 ALMA ROAD LTD→ 16418578 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| A&T TRADES LTD→ 16542613 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADVANCE FINANCIAL PLANNING (SOUTH WEST) LTD→ 06861584 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| ARDAROS CAPITAL INVESTMENTS LIMITED→ 11272860 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| B4U FINANCIAL SERVICES LIMITED→ 09699384 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| BARTONWOOD LEASING LIMITED→ 08849056 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| BAY CARE VENTURES LTD→ 16032320 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BENTLEY BLYTH LIMITED→ 11844225 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| BINFIELD INSURANCE BROKERS LTD→ 04107395 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| BIOREGIONAL LEARNING TRUST→ 16135599 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BLACK AND WHITE ASSET FINANCE LIMITED→ 09977326 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| BMH ASSET MANAGEMENT LTD→ 15679280 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2006-09-19
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
The Mill
Kingsteignton Road
Newton Abbot
Devon
TQ12 2QA
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2026-10-03
Last: 2025-09-19
Officers (3 active · 0 resigned)
Active
HOPE, Wayne David→
Activedirector · ~64y · appointed 2006-09-19
View their other companies + combined net worth →
KENNY, Graham→
Activedirector · ~63y · appointed 2006-09-19
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (51 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-09
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-18
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-11
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-21
change-person-director-company-with-change-date
officers · CH01
2022-02-14
change-person-secretary-company-with-change-date
officers · CH03
2022-02-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-02-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-02