ASPEN ASSETS LIMITED

🌳Matureactive
06440135 · ltd · incorporated 2007-11-29
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 2025
Net worth
£2.65M
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Security dealing on own account
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 75/100 (strong), bankability 57/100. Strong seller-intent signal (68/100, director aged 70). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

7 live charges · 5 lenders · oldest 18.4y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 18.4 years old — likely at or near maturity.
  • · 5 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

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
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
8 officers (2 active, 8 linked, 7 with DOB)
88
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
78 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £2,647,916

Key financials

2 years extracted from filed iXBRL accounts
Cash
£10k
Net Worth
£2.6m
Current Assets
£10k
Current Liabilities
—
£0£530k£1.1m£1.6m£2.1m£2.6mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£2.65M—
Current assets£9.9k—
Cash£9.9k—
Net assets£2.65M—
Average employees—0

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (39 events)Click to expand
  1. 2025-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-11-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-12-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-12-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-01-07
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  7. 2020-12-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-12-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-12-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-10-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2018-10-25
    🔒
    Charge registered #7
    Lender: Coutts & Company
  12. 2017-12-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2017-12-04
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  14. 2017-12-04
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  15. 2017-12-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  16. 2017-04-26
    📍
    move-registers-to-sail-company-with-new-address
    address · AD03
  17. 2017-04-26
    📍
    change-sail-address-company-with-new-address
    address · AD02
  18. 2017-01-06
    ➕
    DERBYSHIRE, Celia Ann appointed
    director
  19. 2015-05-28
    🔓
    Charge satisfied #5
  20. 2015-05-22
    ➖
    PERT, Andrew Macdonald resigned
    director
  21. 2015-05-22
    ➖
    WAUGH, Andrew Arthur resigned
    director
  22. 2014-02-04
    ➕
    DERBYSHIRE, Stephen appointed
    director
  23. 2014-02-04
    ➕
    PERT, Andrew Macdonald appointed
    director
  24. 2013-12-24
    ➖
    CHICKEN, Stephen Robert resigned
    director
  25. 2011-06-01
    ➖
    BUCHANAN, Andrea resigned
    secretary
  26. 2011-06-01
    ➕
    CHICKEN, Stephen Robert appointed
    director
  27. 2011-06-01
    ➖
    PARKER, Simon Gary, Mr. resigned
    director
  28. 2011-06-01
    ➖
    SHERRY, Ian Desmond resigned
    director
  29. 2011-06-01
    ➕
    WAUGH, Andrew Arthur appointed
    director
  30. 2011-06-01
    🔒
    Charge registered #6
    Lender: Stephen Derbyshire and Celia Derbyshire
  31. 2011-06-01
    🔒
    Charge registered #5
    Lender: 53N Investments Limited
  32. 2008-01-18
    🔒
    Charge registered #4
    Lender: Bank of Scotland PLC
  33. 2008-01-18
    🔒
    Charge registered #3
    Lender: Bank of Scotland PLC
  34. 2008-01-18
    🔒
    Charge registered #2
    Lender: Bank of Scotland PLC
  35. 2008-01-18
    🔒
    Charge registered #1
    Lender: Uberior Real Estate Fund Limited
  36. 2007-12-17
    ➕
    SHERRY, Ian Desmond appointed
    director
  37. 2007-11-29
    🏢
    Company incorporated
    As ASPEN ASSETS LIMITED
  38. 2007-11-29
    ➕
    BUCHANAN, Andrea appointed
    secretary
  39. 2007-11-29
    ➕
    PARKER, Simon Gary, Mr. appointed
    director

Owner dependency

81/100
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.
  • +Founder age: Director aged approximately 70 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

89/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 12 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

1 low
6 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Celia Ann Derbyshire
Individual · British · DOB 02/1957 · age 69
25–50%
25–50%25-50% shares · 25-50% voting14/12/2016
Mr Stephen Derbyshire
Individual · British · DOB 04/1956 · age 70
25–50%
25–50%25-50% shares · 25-50% voting14/12/2016
1 historic (ceased) PSC
  • Aspen Number Seven Llpceased 14/12/2016· 75-100% shares · 75-100% 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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2007-11-29
Jurisdictionengland-wales
Primary SIC64991 — Security dealing on own account

Registered office

Barnby Hall Front Street
Barnby In The Willows
Newark
NG24 2SA

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-13
Last: 2025-11-29

Officers (2 active · 6 resigned)

DERBYSHIRE, Celia Ann→
director · ~69y · appointed 2017-01-06
View their other companies + combined net worth →
Active
DERBYSHIRE, Stephen→
director · ~70y · appointed 2014-02-04
View their other companies + combined net worth →
Active
BUCHANAN, Andrea→
secretary · appointed 2007-11-29 · resigned 2011-06-01
Resigned
CHICKEN, Stephen Robert→
director · ~59y · appointed 2011-06-01 · resigned 2013-12-24
Resigned
PARKER, Simon Gary, Mr.→
director · ~60y · appointed 2007-11-29 · resigned 2011-06-01
Resigned
PERT, Andrew Macdonald→
director · ~69y · appointed 2014-02-04 · resigned 2015-05-22
Resigned
SHERRY, Ian Desmond→
director · ~50y · appointed 2007-12-17 · resigned 2011-06-01
Resigned
WAUGH, Andrew Arthur→
director · ~54y · appointed 2011-06-01 · resigned 2015-05-22
Resigned

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

Mortgages & charges

7
Total charges
6
Outstanding
4
Active lenders
Status:Lender:7 of 7 shown
TypeProperties
outstanding
NatWest Group
Coutts & Company
A registered charge1 property25/10/2018—
outstanding
Stephen Derbyshire and Celia Derbyshire
Debenture1 property01/06/2011—
satisfied
53N Investments
53N Investments Limited
Debenture1 property01/06/201128/05/2015
outstanding
Lloyds Banking Group
Bank of Scotland PLC
Deed of charge over deposit1 property18/01/2008—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
Debenture1 property18/01/2008—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
Legal charge1 property18/01/2008—
outstanding
Uberior Real Estate Fund
Uberior Real Estate Fund Limited
Debenture1 property18/01/2008—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (78 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-30
change-sail-address-company-with-old-address-new-address
address · AD02
2021-01-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-12-06