ABLE MONEY LTD
💤Zombieactive
07465251 · ltd · incorporated 2010-12-09
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 63-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (55/100)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
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 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.
Recent activity
Last 30 days
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
- 2026-05-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-05-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-08-31📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-08-31📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-07-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-21📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-11-28📄change-person-director-company-with-change-dateofficers · CH01
- 2017-08-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2010-12-09🏢Company incorporatedAs ABLE MONEY LTD
- 2010-12-09➕SONI, Rajiv appointeddirector
Owner dependency
98/100
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 15 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +No director turnover: Company is 15 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
88/100
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 63. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 15 years.
- secondaryStable-but-static management: Company is 15 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
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Sangitha Soni Individual · British · DOB 06/1969 · age 57 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/11/2022 |
Mr Sachin Soni Individual · British · DOB 06/1992 · age 34 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/11/2022 |
Mr. Rajiv Soni Individual · Indian · DOB 06/1963 · age 63 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · UB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 13 13 INVESTMENTS LIMITED→ 11692487 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 3 MORTGAGES LTD→ 15051634 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| A & H FINANCIAL SERVICES LIMITED→ 02727471 · est 1992 · no financials extracted | — | — | — | — | 33y | — | — |
| ACCIDENT CLAIM MANAGEMENT LTD→ 12099908 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ACME CREDIT CONSULTANTS LIMITED→ 05570364 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ADAM FINANCE LIMITED→ 13000479 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ADVANCE MORTGAGES & PROTECTION LTD→ 13658810 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AEQUITATE VENTURES LIMITED→ 13239581 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AF WEALTH MANAGEMENT LTD→ 13899722 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AFFINITY FINANCIAL ADVISORS LIMITED→ 04714450 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| AFFINITY FINANCIAL HOLDINGS LIMITED→ 12903226 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AIMS FINANCIAL SERVICES LIMITED→ 10221054 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2010-12-09
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
17 Warren Road
Ickenham
Middlesex
UB10 8AA
Filing status
Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2026-11-12
Last: 2025-10-29
Officers (1 active · 0 resigned)
Active
Click a director name to see their full track record across all companies.
Recent filings (39 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-31
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-29
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-09-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-09-02
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-08-31
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-08-31
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-24