ADRIAN SMITH RATING LIMITED
🌳Matureactive
07312116 · ltd · incorporated 2010-07-13
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 Oct 2024
Net worth
£-1.3k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
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. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -94% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (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, 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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
39 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £1,337
Very low cash
Cash position: £40
Cash draining
Cash down 94% YoY
Cash YoY
-94%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£40
↓ 94% YoY
Net Worth
-£1k
↑ 85% YoY
Current Assets
£3k
↓ 38% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £-1.3k | £-9.1k |
| Current assets | £3.2k | £5.2k |
| Cash | £40 | £727 |
| Debtors | £3.2k | £4.4k |
| Net assets | £-1.3k | £-9.1k |
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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-02-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-02-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-07-31📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-12📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-02-29📄change-person-director-company-with-change-dateofficers · CH01
- 2016-02-24📄change-person-director-company-with-change-dateofficers · CH01
- 2015-07-15➕SMITH, Ann Marie appointeddirector
- 2010-07-13🏢Company incorporatedAs ADRIAN SMITH RATING LIMITED
- 2010-07-13➕SMITH, Charles Adrian appointeddirector
Owner dependency
100/100
Critical — business is the founderThe 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 name in company name: Company name contains director surname "SMITH" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 16 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.
- +No director turnover: Company is 16 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
79/100
Likely off-market candidateStrong 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 16 years.
- secondaryStable-but-static management: Company is 16 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
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Charles Adrian Smith Individual · British · DOB 04/1957 · age 69 | 25–50% | — | 25-50% shares | 13/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| ALDGATE WEALTH MANAGEMENT LIMITED→ 16689555 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALDGATE WEALTH PLANNING LTD→ 14175832 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AMHT FINANCIAL SOLUTIONS LIMITED→ 09682006 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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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.
See pricing →Company details
Statusactive
Typeltd
Incorporated2010-07-13
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Office F1, Beverley Enterprise Centre
Beck View Road
Beverley
East Riding Of Yorkshire
HU17 0JT
England
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-07-27
Last: 2025-07-13
Officers (2 active · 0 resigned)
SMITH, Ann Marie→
Activedirector · ~61y · appointed 2015-07-15
View their other companies + combined net worth →
SMITH, Charles Adrian→
Activedirector · ~69y · appointed 2010-07-13
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (39 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-04
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-07-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-02-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-08-16