ALBANY MORTGAGE SOLUTIONS LIMITED

🌳Matureactive

06223506 · ltd · incorporated 2007-04-23

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 Apr 2025

Net worth

£-7.8k

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Activities of insurance agents and brokers

Sector: Financial & insurance

ALSO REGISTERED FOR

70229Management consultancy activities other than financial management

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 69). 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, 2 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

5 officers (3 active, 5 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

2 connected companies via shared directors

Filing history

54 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Negative net assets

Liabilities exceed assets by £7,777

Very low cash

Cash position: £10

Cash YoY

+11%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£10

↑ 11% YoY

Net Worth

-£8k

↑ 52% YoY

Current Assets

£10

↑ 11% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-04-30	2024-04-30
Total assets	£-7.8k	£-16.1k
Current assets	£10	£9
Cash	£10	£9
Net assets	£-7.8k	£-16.1k

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

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (23 events)Click to expand

2025-12-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-01-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-01-25
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-06-13
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2018-06-13
📄
change-person-director-company-with-change-date
officers · CH01
2018-06-13
📄
change-person-director-company-with-change-date
officers · CH01
2018-01-25
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-01-26
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-04-27
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2016-01-20
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2007-04-23
🏢
Company incorporated
As ALBANY MORTGAGE SOLUTIONS LIMITED
2007-04-23
➕
KIRTON, Erin Doris Amelia appointed
secretary
2007-04-23
➕
KIRTON, Erin Doris Amelia appointed
director
2007-04-23
➕
KIRTON, Graham Crawford appointed
director
2007-04-23
➕
OCS CORPORATE SECRETARIES LIMITED appointed
corporate-nominee-secretary
2007-04-23
➖
OCS CORPORATE SECRETARIES LIMITED resigned
corporate-nominee-secretary
2007-04-23
➕
OCS DIRECTORS LIMITED appointed
corporate-nominee-director
2007-04-23
➖
OCS DIRECTORS LIMITED resigned
corporate-nominee-director

Owner dependency

91/100

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

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 69 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

79/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 69. 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 19 years.
secondaryStable-but-static management: Company is 19 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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Graham Crawford Kirton Individual · British · DOB 01/1957 · age 69	50–75%	—	50-75% shares	06/04/2017
Mrs Erin Doris Amelia Kirton Individual · British · DOB 11/1959 · age 67	25–50%	—	25-50% shares	06/04/2017

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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AK UK INVESTMENTS LIMITED→ 15500957 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
AL-MUBARAKAH INVESTMENTS LTD→ 14643607 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
AL-RAWI COMPANY LIMITED→ 16263815 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
ALBANY INSURANCE BROKERS LIMITED→ 15336028 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ALBION EMPLOYEE BENEFIT CONSULTANTS LIMITED→ 12484808 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
ALFRED ROBERTS LIMITED→ 02729477 · est 1992 · no financials extracted	—	—	—	—	33y	—	—
ALISON CLARK MORTGAGE SERVICES LTD→ 09193349 · est 2014 · no financials extracted	—	—	—	—	11y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2007-04-23

Jurisdictionengland-wales

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

25 Carisbrooke Road

Mountsorrel

Loughborough

Leicestershire

LE12 7BR

Filing status

Accounts

Next due: 2027-01-31

Last made up to: 2025-04-30

Confirmation statement

Next due: 2027-04-23

Last: 2026-04-09

Officers (3 active · 2 resigned)

KIRTON, Erin Doris Amelia→

secretary · appointed 2007-04-23

View their other companies + combined net worth →

Active

KIRTON, Erin Doris Amelia→

director · ~67y · appointed 2007-04-23

View their other companies + combined net worth →

Active

KIRTON, Graham Crawford→

director · ~69y · appointed 2007-04-23

View their other companies + combined net worth →

Active

OCS CORPORATE SECRETARIES LIMITED→

corporate-nominee-secretary · appointed 2007-04-23 · resigned 2007-04-23

Resigned

OCS DIRECTORS LIMITED→

corporate-nominee-director · appointed 2007-04-23 · resigned 2007-04-23

Resigned

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