APOGEE WEALTH MANAGEMENT LIMITED
Opportunity 80/100 (exceptional), bankability 77/100. Strong seller-intent signal (60/100, director aged 59). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (88/100).
Refinance opportunity
3 live charges · 3 lenders · oldest 7.7y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 7.7 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
- · Profitable and stable/growing — lender coverage supportable.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Gross profit | £2.10M | — |
| Operating profit | £1.35M | — |
| Profit before tax | £1.35M | — |
| Average employees | 3100 | 2800 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 mortgage
- • 1 mortgage
- • 1 confirmation-statement
Corporate timeline (27 events)Click to expand
- 2026-04-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-02🔓Charge satisfied #3
- 2025-08-19📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-03-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-03-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-03-21📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-21📄change-person-director-company-with-change-dateofficers · CH01
- 2024-06-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-11-17📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-06-22📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-01-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-01-12🔓Charge satisfied #1
- 2021-12-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-12-22🔒Charge registered #3Lender: Metro Bank PLC
- 2021-12-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-12-01🔓Charge satisfied #2
- 2021-08-25📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-11-09📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-10-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-10-08🔒Charge registered #2Lender: Stuart James Cafferty
- 2019-07-11📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-01-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2018-09-26🔒Charge registered #1Lender: Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)
- 2009-06-05🏢Company incorporatedAs APOGEE WEALTH MANAGEMENT LIMITED
- 2009-06-05➕CLEWLOW, David Peter appointeddirector
- 2009-06-05➕HARDSTAFF, Simon Gerald appointeddirector
- 2009-06-05➕ROWLING, Paul Christopher appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- secondary12+ year tenure: Director in role 17 years.
- secondaryStable-but-static management: Company is 17 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 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Apogee Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
4 active beneficial owners · dominant holder ≥75% · fragmented| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Apogee Holdings Limited Corporate entity | 75–100% | — | 75-100% shares | 10/08/2018 |
Mr David Peter Clewlow Individual · British · DOB 01/1967 · age 59 | — | — | sig. influencesignificant influence | 06/04/2016 |
Mr Simon Gerald Hardstaff Individual · British · DOB 09/1973 · age 53 | — | — | sig. influencesignificant influence | 06/04/2016 |
Mr Paul Christopher Rowling Individual · British · DOB 10/1975 · age 51 | — | — | sig. influencesignificant influence | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| A & M WEALTH MANAGEMENT LIMITED→ 05024320 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
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| ARCH PRIVATE EQUITY LTD→ 08461046 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| ARCHERS AVENUE LIMITED→ 16384288 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
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 →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
Registered office
Filing status
Officers (3 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Metro Bank Metro Bank PLC | A registered charge | 1 property | 22/12/2021 | 02/04/2026 | |
| satisfied | Stuart James Cafferty / Kathleen Ann Salter | A registered charge | — | 08/10/2019 | 01/12/2021 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111) | A registered charge | — | 26/09/2018 | 12/01/2022 |