ASSETZ SME CAPITAL LIMITED
🌳Matureactive
08007287 · ltd · incorporated 2012-03-27
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 Mar 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 78/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (85/100).
🏦
Refinance opportunity
9 live charges · 9 lenders · oldest 12.1y
45/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 12.1 years old — likely at or near maturity.
- · 9 lenders named — inter-creditor friction likely.
- · Legal-friction score 33/100 — workable, but lender will want more DD.
- · Profitable and stable/growing — lender coverage supportable.
Data confidence
Overall: high (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
10 officers (2 active, 10 linked, 10 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
13 connected companies via shared directors
84
Filing history
74 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
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 →Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 101Profitable
Profit before tax £230,562
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 101| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Profit before tax | £230.6k | — |
| Total assets | — | £5.53M |
| Current assets | — | £3.65M |
| Cash | — | £104.1k |
| Debtors | — | £3.55M |
| Net assets | — | £4.53M |
| Average employees | 25 | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (56 events)Click to expand
- 2025-12-23📄accounts-with-accounts-type-fullaccounts · AA
- 2025-02-05📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-23📄accounts-with-accounts-type-fullaccounts · AA
- 2024-06-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-31➖SHEPPARD, Andrew Frederick resigneddirector
- 2023-12-22📄accounts-with-accounts-type-fullaccounts · AA
- 2023-11-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-11-23➖MACKLIN, Christopher resigneddirector
- 2023-10-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-10-06➖DINGWALL, Alison resigneddirector
- 2023-09-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-09-29🔓Charge satisfied #2
- 2023-09-25➖CHARNLEY, Andrew resigneddirector
- 2023-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-05-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-05-09➖MELLISH, Christopher Robert resigneddirector
- 2023-04-22📄memorandum-articlesincorporation · MA
- 2023-04-22📄resolutionresolution · RESOLUTIONS
- 2023-04-20📄capital-allotment-sharescapital · SH01
- 2023-04-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-04-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-04-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-04-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-04-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-04-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-04-18🔓Charge satisfied #7
- 2023-04-18🔓Charge satisfied #6
- 2023-04-18🔓Charge satisfied #5
- 2023-04-18🔓Charge satisfied #4
- 2023-04-18🔓Charge satisfied #3
- 2023-04-18🔓Charge satisfied #1
- 2023-03-30📄accounts-with-accounts-type-fullaccounts · AA
- 2022-09-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-08-31➖PENSTON, David Michael resigneddirector
- 2022-08-22➕CHARNLEY, Andrew appointeddirector
- 2020-06-01➕DINGWALL, Alison appointeddirector
- 2019-06-28➖PAILIN, Robert Arthur resigneddirector
- 2018-10-19➕MACKLIN, Christopher appointeddirector
- 2018-08-22➖HOLGATE, Andrew David John resigneddirector
- 2016-11-01➕PAILIN, Robert Arthur appointeddirector
- 2015-02-06🔒Charge registered #9Lender: Anne Marie Le Gassicke
- 2015-01-23🔒Charge registered #8Lender: Maurice John Willis
- 2014-10-03🔒Charge registered #7Lender: Mr Minesh Patel ("Lender")
- 2014-10-03🔒Charge registered #6Lender: Mr Paul Digby ("Lender")
- 2014-07-23🔒Charge registered #5Lender: Mr Guy Rainers
- 2014-06-16🔒Charge registered #4Lender: T Jempacca Warna Limited
- 2014-06-16🔒Charge registered #3Lender: Tillhurst Limited
- 2014-06-16🔒Charge registered #2Lender: Midlands Bearings Limited
- 2014-05-27🔒Charge registered #1Lender: Frederick Justin Stratton
- 2013-11-01➕WARDROP, Mark Steven appointeddirector
Showing most recent 50 of 56 events
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
Succession & seller-readiness
69/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. 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 14 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Stuart Alexander Law Individual · British · DOB 10/1963 · age 63 | — | — | sig. influencesignificant influence · firm interest | 06/04/2016 |
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 →Similar companies
Active · Financial services · M postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALIF GLOBAL LTD→ 14926991 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ASHLEY LAW FINANCIAL SOLUTIONS LIMITED→ 10818154 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ASHTON SMETHURST LIMITED→ 00313803 · est 1936 · no financials extracted | — | — | — | — | 89y | — | — |
| ASL MORTGAGES AND PROTECTION LTD→ 12313996 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ASPIRE + WEALTH MANAGEMENT LIMITED→ 12119590 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ASSETUS LIMITED→ 16194923 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ASSETZ CAPITAL FUNDING LTD→ 14669696 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ASSETZ CAPITAL LENDING (ALPHA) LIMITED→ 13220941 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ASSETZ CAPITAL LENDING (BRAVO) LIMITED→ 14103605 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ASSOCIATED BODYSHOP FACTORS LIMITED→ 05098842 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| ASSOCIATED CREDITS LIMITED→ 00512745 · est 1952 · no financials extracted | — | — | — | — | 73y | — | — |
| ASSURED CLAIMS LIMITED→ 14221181 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2012-03-27
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Assetz House Manchester Green
335 Styal Road
Manchester
M22 5LW
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-10
Last: 2026-03-27
Officers (2 active · 8 resigned)
LAW, Stuart Alexander→
Activedirector · ~63y · appointed 2012-03-27
View their other companies + combined net worth →
WARDROP, Mark Steven→
Activedirector · ~55y · appointed 2013-11-01
View their other companies + combined net worth →
CHARNLEY, Andrew→
Resigneddirector · ~54y · appointed 2022-08-22 · resigned 2023-09-25
DINGWALL, Alison→
Resigneddirector · ~57y · appointed 2020-06-01 · resigned 2023-10-06
HOLGATE, Andrew David John→
Resigneddirector · ~50y · appointed 2012-11-02 · resigned 2018-08-22
MACKLIN, Christopher→
Resigneddirector · ~64y · appointed 2018-10-19 · resigned 2023-11-23
MELLISH, Christopher Robert→
Resigneddirector · ~49y · appointed 2013-04-18 · resigned 2023-05-09
PAILIN, Robert Arthur→
Resigneddirector · ~57y · appointed 2016-11-01 · resigned 2019-06-28
PENSTON, David Michael→
Resigneddirector · ~70y · appointed 2013-01-31 · resigned 2022-08-31
SHEPPARD, Andrew Frederick→
Resigneddirector · ~60y · appointed 2013-11-01 · resigned 2024-05-31
Click a director name to see their full track record across all companies.
Mortgages & charges
9
Total charges
2
Outstanding
2
Active lenders
Status:Lender:9 of 9 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Anne Marie Le Gassicke | A registered charge | — | 06/02/2015 | — | |
| outstanding | Maurice John Willis | A registered charge | — | 23/01/2015 | — | |
| satisfied | Mr Minesh Patel ("Lender") | A registered charge | 1 property | 03/10/2014 | 18/04/2023 | |
| satisfied | Mr Paul Digby ("Lender") | A registered charge | 1 property | 03/10/2014 | 18/04/2023 | |
| satisfied | Mr Guy Rainers | A registered charge | — | 23/07/2014 | 18/04/2023 | |
| satisfied | T Jempacca Warna T Jempacca Warna Limited | A registered charge | — | 16/06/2014 | 18/04/2023 | |
| satisfied | Tillhurst Tillhurst Limited | A registered charge | — | 16/06/2014 | 18/04/2023 | |
| satisfied | Midlands Bearings Midlands Bearings Limited | A registered charge | — | 16/06/2014 | 29/09/2023 | |
| satisfied | Frederick Justin Stratton | A registered charge | — | 27/05/2014 | 18/04/2023 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (74 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-30
accounts-with-accounts-type-full
accounts · AA
2025-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-28
change-person-director-company-with-change-date
officers · CH01
2025-02-05
accounts-with-accounts-type-full
accounts · AA
2024-12-23
termination-director-company-with-name-termination-date
officers · TM01
2024-06-04
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-17
accounts-with-accounts-type-full
accounts · AA
2023-12-22
termination-director-company-with-name-termination-date
officers · TM01
2023-11-27
termination-director-company-with-name-termination-date
officers · TM01
2023-10-27
mortgage-satisfy-charge-full
mortgage · MR04
2023-09-29
termination-director-company-with-name-termination-date
officers · TM01
2023-09-25
termination-director-company-with-name-termination-date
officers · TM01
2023-05-10
memorandum-articles
incorporation · MA
2023-04-22
resolution
resolution · RESOLUTIONS
2023-04-22