EQUITY ASSURED REFERRALS LIMITED
🚨Distressedactive
07376042 · ltd · incorporated 2010-09-14
Investment thesis
Attractive distress candidate — real problems but workable structure.
Why interesting: Falling signals but no deal-breakers yet; room for negotiation and turnaround.
Why risky: Signals worsening; needs speed and capital discipline.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£-1.7k
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Administration of financial markets
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 70/100 (strong), bankability 55/100. Strong seller-intent signal (78/100, director aged 81). Share purchase looks the cleaner deal structure. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: distressed disposal / insolvency (65/100).
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 (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
48 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Negative net assets
Liabilities exceed assets by £1,742
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
-£2k
↓ 42% YoY
Current Assets
£4k
↓ 17% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Total assets | £1.9k | £2.8k |
| Current assets | £4.0k | £4.8k |
| Net assets | £-1.7k | £-1.2k |
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
1
filing
- • 1 dissolution
Last 90 days
3
filings
- • 2 dissolution
- • 1 gazette
Last 180 days
3
filings
- • 2 dissolution
- • 1 gazette
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2026-07-14📄dissolution-voluntary-strike-off-suspendeddissolution · SOAS(A)
- 2026-06-09📄gazette-notice-voluntarygazette · GAZ1(A)
- 2026-05-27📄dissolution-application-strike-off-companydissolution · DS01
- 2025-06-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-27📄gazette-filings-brought-up-to-dategazette · DISS40
- 2024-11-26📄gazette-notice-compulsorygazette · GAZ1
- 2024-06-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-06-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-06-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-09-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-06-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-09-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-06-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-08📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2013-06-30➖LITTLE, Samantha Jane resigneddirector
- 2012-04-02➕LITTLE, Samantha Jane appointeddirector
- 2010-09-14🏢Company incorporatedAs EQUITY ASSURED REFERRALS LIMITED
- 2010-09-14➕WHITE, Thomas Henry 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
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 81 — succession pressure is live.
Succession & seller-readiness
93/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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.
Red flags
1 high ·Accounts overdue
highStatutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2026-06-30
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Thomas Henry White Individual · British · DOB 07/1945 · age 81 | 75–100% | 75–100% | board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence | 06/04/2016 |
Robert Thomas White Individual · British · DOB 07/1970 · age 56 | — | — | sig. influencesignificant influence | 06/04/2016 |
1 historic (ceased) PSC
- Thomas Henry Whiteceased 23/03/2018· 75-100% shares · 75-100% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · CT postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 97 GROUP LIMITED→ 13156739 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CHERRY TREE MANAGEMENT CONSULTANTS LTD→ 11811909 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| CJ MORTGAGES LTD→ 13587515 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CR SECURITY SOLUTIONS LTD→ 16873135 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| DILEK & OZKAN ASSOCIATES LIMITED→ 11442421 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| DONNA BOWEY FINANCIAL CONSULTANCY LTD→ 11504376 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| DPP INVESTMENTS LIMITED→ 16951326 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| DRL CAPITAL LTD→ 15006188 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| F & F MORTGAGE SERVICES LIMITED→ 11919598 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| FEATHERS & FIGURES PARAPLANNING SERVICES LIMITED→ 16521307 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| FINAMPLY COMMERCIAL LIMITED→ 14730098 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| FINAMPLY MORTGAGES LIMITED→ 10785015 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
10 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
Incorporated2010-09-14
Jurisdictionengland-wales
Primary SIC66110 — Administration of financial markets
Registered office
West Bay Lodge, 106 Minster Road
Westgate-On-Sea
Kent
CT8 8DG
England
Filing status
Accounts
Next due: 2026-06-30OVERDUE
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-09-18
Last: 2025-09-04
Officers (1 active · 1 resigned)
WHITE, Thomas Henry→
Activedirector · ~81y · appointed 2010-09-14
View their other companies + combined net worth →
LITTLE, Samantha Jane→
Resigneddirector · ~47y · appointed 2012-04-02 · resigned 2013-06-30
Click a director name to see their full track record across all companies.
Recent filings (48 total)
dissolution-voluntary-strike-off-suspended
dissolution · SOAS(A)
2026-07-14
gazette-notice-voluntary
gazette · GAZ1(A)
2026-06-09
dissolution-application-strike-off-company
dissolution · DS01
2026-05-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-07
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-28
gazette-filings-brought-up-to-date
gazette · DISS40
2024-11-27
gazette-notice-compulsory
gazette · GAZ1
2024-11-26
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-26
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-09-19
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-16
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-15
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-13
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-29