ASK ABOUT MORTGAGES LIMITED
💤Zombieactive
08700609 · ltd · incorporated 2013-09-20
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 Dec 2024
Net worth
£283.5k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
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 (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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
4 officers (2 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
47 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 · accounting standard not declaredPositive net assets
Net assets £283,491
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£283k
Current Assets
£327k
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £286.6k | — |
| Current assets | £326.5k | — |
| Net assets | £283.5k | — |
| Average employees | — | 600 |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2025-09-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-04-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-04-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-04-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-04-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-04-24📄change-person-director-company-with-change-dateofficers · CH01
- 2025-04-24📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-04-22📄change-person-secretary-company-with-change-dateofficers · CH03
- 2024-06-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-31📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-11-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-11-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-11-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-01-05📄capital-allotment-sharescapital · SH01
- 2022-09-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-05-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-11-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-10-01➖RILEY, Christopher Nicholas resigneddirector
- 2018-08-17➕RILEY, Christopher Nicholas appointeddirector
- 2018-01-09➖RILEY, Christopher Nicholas resigneddirector
- 2013-09-20🏢Company incorporatedAs ASK ABOUT MORTGAGES LIMITED
- 2013-09-20➕SOUTHEY, Rachael appointedsecretary
- 2013-09-20➕SOUTHEY, Matthew appointeddirector
- 2013-09-20➕RILEY, Christopher Nicholas 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 13 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
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Rachael Southey Individual · British · DOB 12/1973 · age 53 | 25–50% | — | 25-50% shares | 04/11/2022 |
Mr Matthew Southey Individual · English · DOB 11/1972 · age 54 | 25–50% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
1 historic (ceased) PSC
- Mr Christopher Nicholas Rileyceased 09/01/2018· 25-50% shares · 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 →Similar companies
Active · Financial services · SO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ANDERSON REED FINANCIAL SERVICES LTD→ 13190705 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ANGLO SCOTTISH EMPLOYEE BENEFITS LTD→ 05800828 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| ANGLO SCOTTISH EMPLOYER BENEFITS LTD.→ 08117822 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| ARCTURUS ASSOCIATES LTD→ 10881996 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ASHBRIDGE PARTNERS LIMITED→ 08120644 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| ASIFS AFRO CARIBBEAN GROOVE LTD→ 07843481 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ASSET GROWTH INVESTMENTS LIMITED→ 08437430 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| AT FINANCIAL SOLUTIONS LIMITED→ 08684826 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| AT RETIREMENT SERVICES LTD→ 08773204 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| AVALON FINANCIAL ASSOCIATES LTD→ 07032599 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| AVALON FINANCIAL SOLUTIONS LTD→ 11393825 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BALSCOTE TRUSTEES (NO1) LTD→ 14195002 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2013-09-20
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
Top Floor Buckley House
31a The Hundred
Romsey
SO51 8GD
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-21
Last: 2025-11-07
Officers (2 active · 2 resigned)
Active
SOUTHEY, Matthew→
Activedirector · ~54y · appointed 2013-09-20
View their other companies + combined net worth →
RILEY, Christopher Nicholas→
Resigneddirector · ~67y · appointed 2018-08-17 · resigned 2018-10-01
RILEY, Christopher Nicholas→
Resigneddirector · ~67y · appointed 2013-09-20 · resigned 2018-01-09
Click a director name to see their full track record across all companies.
Recent filings (47 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-07
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-24
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-04-24
change-person-director-company-with-change-date
officers · CH01
2025-04-24
change-person-secretary-company-with-change-date
officers · CH03
2025-04-24
change-person-secretary-company-with-change-date
officers · CH03
2025-04-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-12
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-26
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-01-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-08
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-07