AMBER FINANCE LIMITED
🌳Matureactive
06423453 · ltd · incorporated 2007-11-09
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 Mar 2025
Net worth
—
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company 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 (65/100).
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
7 officers (2 active, 7 linked, 5 with DOB)
84
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
73 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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 500 | 700 |
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
4
filings
- • 3 officers
- • 1 address
Last 180 days
5
filings
- • 3 officers
- • 1 address
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2026-05-05📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-05📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-01📄change-person-director-company-with-change-dateofficers · CH01
- 2026-04-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-05-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-19📄change-person-director-company-with-change-dateofficers · CH01
- 2023-09-19📄change-person-director-company-with-change-dateofficers · CH01
- 2023-05-05📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-02-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-02-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-02-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-02-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-11-16📄change-person-director-company-with-change-dateofficers · CH01
- 2022-11-16📄change-person-director-company-with-change-dateofficers · CH01
- 2022-09-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-05-12📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-05-19📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2013-02-08➖WILLSON, Martyn Jamie Stephen resignedsecretary
- 2010-12-21➕FARRINGTON, Lee Steven appointeddirector
- 2010-12-10➖THOMPSON, Krisjen Peter resigneddirector
- 2010-11-02➖LITTLE, Neil resigneddirector
- 2010-01-20➕THOMPSON, Krisjen Peter appointeddirector
- 2009-06-06➖TARR, Lisa resigneddirector
- 2009-02-23➖TARR, Lisa resignedsecretary
- 2009-02-23➕WILLSON, Martyn Jamie Stephen appointedsecretary
- 2009-02-23➕LITTLE, Neil appointeddirector
- 2007-11-09🏢Company incorporatedAs AMBER FINANCE LIMITED
- 2007-11-09➕TARR, Adam Joseph appointeddirector
- 2007-11-09➕TARR, Lisa appointedsecretary
- 2007-11-09➕TARR, Lisa appointeddirector
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 19 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
59/100
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.
- 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
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 |
|---|---|---|---|---|
Adam Tarr Individual · British · DOB 05/1978 · age 48 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Lee Steven Farrington Individual · British · DOB 02/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
1 historic (ceased) PSC
- Adam Tarrceased 13/02/2023· 25-50% shares · 25-50% voting
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 · SS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ADR GROUP LIMITED→ 02876683 · est 1993 · no financials extracted | — | — | — | — | 32y | — | — |
| AIMD INVESTMENT LTD→ 16183406 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ALIGNED HORIZONS LTD→ 16051406 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ALLCLAIMS CONSULTANCY LIMITED→ 13271211 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AMA FINANCIAL SERVICES LIMITED→ 13174611 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AMANDA HOLDEN FINANCIAL PLANNING LTD→ 15169915 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AMBER WEALTH MANAGEMENT LIMITED→ 16241090 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AMS FINANCIAL SERVICES LIMITED→ 04327107 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| AOL MANAGEMENT LIMITED→ 09173711 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| APEX PARTNERS GROUP LTD→ 14394887 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| APT BROKERS LTD→ 09620512 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| AQC GROUP HOLDINGS LTD→ 16326713 · est 2025 · 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
Incorporated2007-11-09
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
817 Southchurch Road
Southend-On-Sea
SS1 2PP
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-26
Last: 2026-02-12
Officers (2 active · 5 resigned)
FARRINGTON, Lee Steven→
Activedirector · ~46y · appointed 2010-12-21
View their other companies + combined net worth →
TARR, Adam Joseph→
Activedirector · ~48y · appointed 2007-11-09
View their other companies + combined net worth →
TARR, Lisa→
Resignedsecretary · appointed 2007-11-09 · resigned 2009-02-23
WILLSON, Martyn Jamie Stephen→
Resignedsecretary · appointed 2009-02-23 · resigned 2013-02-08
LITTLE, Neil→
Resigneddirector · ~50y · appointed 2009-02-23 · resigned 2010-11-02
TARR, Lisa→
Resigneddirector · ~46y · appointed 2007-11-09 · resigned 2009-06-06
THOMPSON, Krisjen Peter→
Resigneddirector · ~49y · appointed 2010-01-20 · resigned 2010-12-10
Click a director name to see their full track record across all companies.
Recent filings (73 total)
change-person-director-company-with-change-date
officers · CH01
2026-05-05
change-person-director-company-with-change-date
officers · CH01
2026-05-05
change-person-director-company-with-change-date
officers · CH01
2026-05-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-04-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-09-20
change-person-director-company-with-change-date
officers · CH01
2023-09-19
change-person-director-company-with-change-date
officers · CH01
2023-09-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-05-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-02-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-02-15