AMBER FINANCE (BAINS) LTD
Opportunity 73/100 (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: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-07-31 | 2024-07-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 1 accounts
- • 1 accounts
Corporate timeline (21 events)Click to expand
- 2026-04-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-04-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-04-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-04-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-10-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-03-01📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-08-24📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-04-17📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-12-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2014-12-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2014-08-02➖BAINS, Harprit Kaur resigneddirector
- 2014-08-01➕BAINS, Baljinder Singh appointeddirector
- 2014-05-19➖BAINS, Baljinder Singh resigneddirector
- 2014-05-19➕BAINS, Harprit Kaur appointeddirector
- 2013-07-22🏢Company incorporatedAs AMBER FINANCE (BAINS) LTD
- 2013-07-22➕BAINS, Baljinder Singh appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "BAINS" — strong identity link between founder and business.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Baljinder Singh Bains Individual · British · DOB 05/1984 · age 42 | 75–100% | — | 75-100% shares | 22/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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
Registered office
Filing status
Officers (1 active · 2 resigned)
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