ADLIB MORTGAGES LIMITED

🌳Matureactive
08485291 · ltd · incorporated 2013-04-12
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£5.2k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 65-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: high (81/100)

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
Confirmed no charges registered
85
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
38 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £5,189
Net assets shrinking
Down £23,103 YoY
Cash YoY
+46%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£4k
↑ 46% YoY
Net Worth
£5k
↓ 82% YoY
Current Assets
£93k
↑ 2.8% YoY
Current Liabilities
—
£0£19k£37k£56k£75k£93kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£5.2k£28.3k
Current assets£93.4k£90.9k
Cash£3.8k£2.6k
Debtors£89.6k£88.3k
Net assets£5.2k£28.3k

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
0
filings
Last 90 days
3
filings
  • • 1 confirmation-statement
  • • 1 officers
  • • 1 accounts
Last 180 days
4
filings
  • • 1 confirmation-statement
  • • 1 officers
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2026-04-28
    📄
    replacement-filing-of-director-appointment-with-name
    officers · RP01AP01
  2. 2026-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2026-01-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2025-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-12-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-09-08
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  7. 2023-08-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-05-30
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  9. 2023-02-20
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  10. 2023-02-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2023-02-16
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2023-02-10
    ➕
    SMALL, Elizabeth Evelyn appointed
    director
  13. 2023-02-10
    ➖
    EDWARDS, Lisa Martha resigned
    director
  14. 2022-05-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-06-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2020-08-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2019-05-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2018-02-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2014-03-01
    ➕
    SMALL, Trevor appointed
    director
  20. 2013-04-12
    🏢
    Company incorporated
    As ADLIB MORTGAGES LIMITED
  21. 2013-04-12
    ➕
    EDWARDS, Lisa Martha appointed
    director

Owner dependency

81/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

69/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. 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 12 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Trevor Small
Individual · English · DOB 06/1961 · age 65
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mrs Elizabeth Evelyn Small
Individual · English · DOB 06/1966 · age 60
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
1 historic (ceased) PSC
  • Mrs Lisa Martha Edwardsceased 01/09/2023· 25-50% voting

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 →

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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
Incorporated2013-04-12
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Deneside
Old House Lane
Romsley
Worcestershire
B62 0EX
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-26
Last: 2026-04-12

Officers (2 active · 1 resigned)

SMALL, Elizabeth Evelyn→
director · ~60y · appointed 2023-02-10
View their other companies + combined net worth →
Active
SMALL, Trevor→
director · ~65y · appointed 2014-03-01
View their other companies + combined net worth →
Active
EDWARDS, Lisa Martha→
director · ~54y · appointed 2013-04-12 · resigned 2023-02-10
Resigned

Click a director name to see their full track record across all companies.

Recent filings (38 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-28
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2026-04-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-31
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-01-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-31
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-28
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-09-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-16
change-account-reference-date-company-current-shortened
accounts · AA01
2023-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-17
certificate-change-of-name-company
change-of-name · CERTNM
2023-02-20
appoint-person-director-company-with-name-date
officers · AP01
2023-02-16
termination-director-company-with-name-termination-date
officers · TM01
2023-02-16