ASSURED MORTGAGE ADVICE LIMITED
💤Zombieactive
08120489 · ltd · incorporated 2012-06-27
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
—
year to Jun 2025
Net worth
£46.8k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
- 66220Activities of insurance agents and brokers
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (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, 2 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
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
40 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £46,813
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£47k
↑ 4.8% YoY
Current Assets
£74k
↓ 39% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £76.4k | £52.0k |
| Current assets | £74.4k | £121.4k |
| Net assets | £46.8k | £44.7k |
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 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2026-03-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-07-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-30📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-07-30📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-07-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-06-30➖GIGGS, Matthew Kevin resigneddirector
- 2025-03-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-03-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-02-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-10-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-08-23📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2019-08-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-08-23📄capital-allotment-sharescapital · SH01
- 2019-08-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-07-01➕GIGGS, Matthew Kevin appointeddirector
- 2018-10-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2012-06-27🏢Company incorporatedAs ASSURED MORTGAGE ADVICE LIMITED
- 2012-06-27➕SPOELSTRA, Paul appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
58/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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
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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Paul Spoelstra Individual · British · DOB 02/1975 · age 51 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
1 historic (ceased) PSC
- Mr Matthew Kevin Giggsceased 30/06/2025· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · PE postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ADVOCATE MORTGAGE & PROTECTION LTD→ 16586658 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALP FINANCIAL SOLUTIONS LTD→ 15863632 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ANDREA SCOTT FINANCIAL SERVICES LTD→ 11730139 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| APPLEGARTH PARTNERS LTD→ 11628825 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ASHBURY FINANCIAL LTD→ 12886139 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ASHMAN & CORNWELL SERVICES LTD→ 12124572 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ASSET RECOVERY NETWORK (UK) LIMITED→ 10963590 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ATHOS DEVELOPMENT SERVICES LTD→ 12763801 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AUKA EDWIN & ASSOCIATES LTD→ 16014130 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AV MORTGAGE SOLUTIONS LTD→ 15560604 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AVJ INDEPENDENT FINANCIAL ADVICE LTD→ 07320835 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| AYR WASTE MANAGEMENT GROUP LIMITED→ 16570993 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2012-06-27
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
7 Heron Court
St. Neots
PE19 1TH
England
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-07-11
Last: 2026-06-27
Officers (1 active · 1 resigned)
SPOELSTRA, Paul→
Activedirector · ~51y · appointed 2012-06-27
View their other companies + combined net worth →
GIGGS, Matthew Kevin→
Resigneddirector · ~51y · appointed 2019-07-01 · resigned 2025-06-30
Click a director name to see their full track record across all companies.
Recent filings (40 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-07-16
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-27
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-30
termination-director-company-with-name-termination-date
officers · TM01
2025-07-30
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-07-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-28
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-15
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-05-02
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-13
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-08