AMELTO CAPITAL LIMITED
💤Zombieactive
08217605 · ltd · incorporated 2012-09-17
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
75/100
Strong
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 75/100 (strong), bankability 57/100. 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. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
7 live charges · 6 lenders · oldest 13.5y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 13.5 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: low (54/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 1 with DOB)
80
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
44 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
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 (26 events)Click to expand
- 2025-10-20📄accounts-with-accounts-type-fullaccounts · AA
- 2024-12-11📄accounts-with-accounts-type-fullaccounts · AA
- 2023-10-30📄accounts-with-accounts-type-fullaccounts · AA
- 2023-10-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-10-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-26📄accounts-with-accounts-type-fullaccounts · AA
- 2021-09-30📄accounts-with-accounts-type-fullaccounts · AA
- 2021-01-07📄accounts-with-accounts-type-fullaccounts · AA
- 2019-09-23📄accounts-with-accounts-type-fullaccounts · AA
- 2018-10-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-10-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-10-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-10-04📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2018-10-03📄accounts-with-accounts-type-fullaccounts · AA
- 2017-08-17📄accounts-with-accounts-type-fullaccounts · AA
- 2017-05-08📄change-person-director-company-with-change-dateofficers · CH01
- 2013-01-01🔒Charge registered #7Lender: The Society, the Trustees, the Beneficiaries and the Other Persons or Bodies (As Further Defined on Form MG01)
- 2013-01-01🔒Charge registered #6Lender: Rbc Dexia Investor Services Trust and Certain Other Persons or Bodies (As Further Defined on Form MG01)
- 2013-01-01🔒Charge registered #5Lender: Lloyd’S, and Certain Other Persons or Bodies (As Further Defined on Form MG01)
- 2013-01-01🔒Charge registered #4Lender: Lloyd’S and Certain Other Persons or Bodies (As Further Defined on the Form MG01)
- 2013-01-01🔒Charge registered #3Lender: Lloyd’S and Certain Other Persons or Bodies (As Further Defined on the Form MG01)
- 2013-01-01🔒Charge registered #2Lender: Lloyd’S, the Regulating Trustee and Certain Other Persons or Bodies (As Further Defined on Form MG01)
- 2013-01-01🔒Charge registered #1Lender: The Society, the Beneficiaries and Certain Other Persons or Bodies (As Further Defined on Form MG01)
- 2012-09-17🏢Company incorporatedAs AMELTO CAPITAL LIMITED
- 2012-09-17➕ARGENTA SECRETARIAT LIMITED appointedcorporate-secretary
- 2012-09-17➕WRAY, Edward James appointeddirector
Owner dependency
88/100
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.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +No director turnover: Company is 14 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
68/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- 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
1 low7 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Edward James Wray Individual · British · DOB 03/1968 · age 58 | — | — | sig. influencesignificant influence · trust interest | 19/09/2016 |
Catherine May Wray Individual · South African · DOB 04/1972 · age 54 | — | — | sig. influencesignificant influence · trust interest | 19/09/2016 |
Joanne Catherine Wray Individual · British · DOB 08/1961 · age 65 | — | — | sig. influencesignificant influence · trust interest | 19/09/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
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|---|---|---|---|---|---|---|---|
| AMIGA SPECIALTY LIMITED→ 16439468 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ANCORA FINANCE GROUP LIMITED→ 16424827 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ANDY TALBOT LTD→ 16408778 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ANGELS IN MEDCITY LIMITED→ 10004983 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ANGRA LIMITED→ 06953910 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| ANOMALOUS INVESTMENTS 2 LTD→ 16673352 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ANTARES CAPITAL I LIMITED→ 07061882 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| ANTIMATTER AI LABS LTD→ 16550406 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ANTLER VENTURES UK GP II LIMITED→ 15529921 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ANTON INVESTMENTS LIMITED→ 03621300 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| AON DC TRUSTEE LIMITED→ 09425770 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| AON FINANCE UK 1 LIMITED→ 12334648 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2012-09-17
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
5th Floor 70 Gracechurch Street
London
EC3V 0XL
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-10-03
Last: 2025-09-19
Officers (2 active · 0 resigned)
ARGENTA SECRETARIAT LIMITED→
Activecorporate-secretary · appointed 2012-09-17
View their other companies + combined net worth →
WRAY, Edward James→
Activedirector · ~58y · appointed 2012-09-17
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
7
Outstanding
6
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Society, the Trustees, the Beneficiaries and the Other Persons or Bodies (As Further Defined on Form MG01) | Security and trust deed (letter of credit and guarantee) (gen) (10) (the trust deed) | 2 properties | 01/01/2013 | — | |
| outstanding | Rbc Dexia Investor Services Trust and Certain Other Persons or Bodies (As Further Defined on Form MG01) | Lloyd’s canadian trust deed dated 25 may 2001 (the trust deed) | 1 property | 01/01/2013 | — | |
| outstanding | Lloyd’S, and Certain Other Persons or Bodies (As Further Defined on Form MG01) | Amendment and restatement lloyd’s american instrument 1995 (general business for corporate members) (the 1995 american instrument (corporate members)) dated 31 july 1995 and amended on 28 december 2001, 1 april 2001, 1 august 2001, 13 february 2002, 27 september 2007 and 24 march 2009 | 1 property | 01/01/2013 | — | |
| outstanding | Lloyd’S and Certain Other Persons or Bodies (As Further Defined on the Form MG01) | Lloyd’s asia (singapore policies) instrument 2002 (general business of all underwriting members) (the singapore policies instrument) dated 13 february 2002 | 1 property | 01/01/2013 | — | |
| outstanding | Lloyd’S and Certain Other Persons or Bodies (As Further Defined on the Form MG01) | Lloyd’s asia (offshore policies) instrument 2002 (general business of all underwriting members) (the offshore policies instrument) dated 13 february 2002 | 1 property | 01/01/2013 | — | |
| outstanding | Lloyd’S, the Regulating Trustee and Certain Other Persons or Bodies (As Further Defined on Form MG01) | Lloyd’s premium trust deed (general business) (the trust deed) | 1 property | 01/01/2013 | — | |
| outstanding | The Society, the Beneficiaries and Certain Other Persons or Bodies (As Further Defined on Form MG01) | Membership agreement between the society incorporated by lloyd's act 1871 by the name of lloyd's (the society) and the company (the agreement) | 1 property | 01/01/2013 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (44 total)
accounts-with-accounts-type-full
accounts · AA
2025-10-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-19
accounts-with-accounts-type-full
accounts · AA
2024-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-27
accounts-with-accounts-type-full
accounts · AA
2023-10-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-10-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-10-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-02
accounts-with-accounts-type-full
accounts · AA
2022-10-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-21
accounts-with-accounts-type-full
accounts · AA
2021-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-23
accounts-with-accounts-type-full
accounts · AA
2021-01-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-22
accounts-with-accounts-type-full
accounts · AA
2019-09-23