CURRENCYWAVE LTD

🌳Matureactive
06731733 · ltd · incorporated 2008-10-23
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
—
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Turnover
—
year to Jul 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (70/100, director aged 59). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
65 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-07-312024-07-31
Average employees2200

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 (25 events)Click to expand
  1. 2026-01-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-11-06
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  3. 2025-11-05
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  4. 2025-02-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2024-12-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2023-12-19
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2023-10-24
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2023-10-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2023-03-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2022-07-13
    📄
    capital-return-purchase-own-shares
    capital · SH03
  11. 2022-07-08
    📄
    capital-cancellation-shares
    capital · SH06
  12. 2022-01-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2021-08-19
    📄
    capital-return-purchase-own-shares
    capital · SH03
  14. 2021-07-28
    📄
    capital-cancellation-shares
    capital · SH06
  15. 2021-03-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2020-11-10
    📄
    capital-allotment-shares
    capital · SH01
  17. 2020-11-05
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  18. 2020-09-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2020-04-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2012-11-08
    ➕
    HOLMES, Angela Marie appointed
    director
  21. 2012-11-08
    ➖
    HALL, David resigned
    director
  22. 2008-10-23
    🏢
    Company incorporated
    As CURRENCYWAVE LTD
  23. 2008-10-23
    ➕
    HOLMES, Jamie Anderson appointed
    secretary
  24. 2008-10-23
    ➕
    HOLMES, Jamie Anderson appointed
    director
  25. 2008-10-23
    ➕
    HALL, David appointed
    director

Owner dependency

84/100
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 18 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

69/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 18 years.
  • secondaryStable-but-static management: Company is 18 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
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Jamie Anderson Holmes
Individual · British · DOB 12/1968 · age 58
75–100%
—75-100% shares30/06/2016
1 historic (ceased) PSC
  • Mrs Angela Marie Holmesceased 05/11/2025· 25-50% shares

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

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
Incorporated2008-10-23
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Regus City West, Building 3
Gelderd Road
Leeds
LS12 6LN
England

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-11-17
Last: 2025-11-03

Officers (3 active · 1 resigned)

HOLMES, Jamie Anderson→
secretary · appointed 2008-10-23
View their other companies + combined net worth →
Active
HOLMES, Angela Marie→
director · ~59y · appointed 2012-11-08
View their other companies + combined net worth →
Active
HOLMES, Jamie Anderson→
director · ~58y · appointed 2008-10-23
View their other companies + combined net worth →
Active
HALL, David→
director · ~75y · appointed 2008-10-23 · resigned 2012-11-08
Resigned

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

Recent filings (65 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-01-12
change-sail-address-company-with-old-address-new-address
address · AD02
2025-11-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-05
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-11-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-02-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-04
change-person-director-company-with-change-date
officers · CH01
2023-12-19
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-10-24
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-17
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-31
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-09
capital-return-purchase-own-shares
capital · SH03
2022-07-13
capital-cancellation-shares
capital · SH06
2022-07-08