ATLANTIC WEALTH MANAGEMENT (UK) LIMITED
💤Zombieactive
08772076 · ltd · incorporated 2013-11-12
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 Jul 2025
Net worth
£948.4k
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 75/100 (strong), bankability 85/100. 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).
🏦
Refinance opportunity
1 live charge · oldest 8.3y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 8.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (82/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
4 officers (1 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
52 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
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £948,421
Net assets shrinking
Down £459,060 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£948k
↓ 33% YoY
Current Assets
£961k
↑ 18% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £948.4k | £1.41M |
| Current assets | £961.2k | £816.9k |
| Net assets | £948.4k | £1.41M |
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 accounts
Last 90 days
2
filings
- • 1 accounts
- • 1 gazette
Last 180 days
8
filings
- • 2 gazette
- • 2 officers
- • 2 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2026-04-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-02-25📄gazette-filings-brought-up-to-dategazette · DISS40
- 2026-02-24📄gazette-notice-compulsorygazette · GAZ1
- 2026-02-20📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-02-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-31➖PENTELOW, Mark Wesley Brian resigneddirector
- 2025-04-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-18📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-10-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-04-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-08🔓Charge satisfied #1
- 2023-03-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-04-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-01-31📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2021-11-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-02-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-05🔒Charge registered #1Lender: Metro Bank PLC
- 2014-03-12➕PENTELOW, Mark Wesley Brian appointeddirector
- 2014-02-17➖PENTELOW, Mark Wesley Brian resigneddirector
- 2013-11-12🏢Company incorporatedAs ATLANTIC WEALTH MANAGEMENT (UK) LIMITED
- 2013-11-12➕DAVIS, Stephen appointeddirector
- 2013-11-12➕DAVIS, Stephen appointeddirector
- 2013-11-12➖DAVIS, Stephen resigneddirector
- 2013-11-12➕PENTELOW, Mark Wesley Brian 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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Stephen Davis Individual · British · DOB 09/1972 · age 54 | 75–100% | — | 75-100% shares | 01/07/2016 |
1 historic (ceased) PSC
- Mr Mark Wesley Brian Pentelowceased 31/12/2025· 25-50% shares
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 · CM postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ASSURED WILLS AND PROBATE LTD→ 04425477 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| AURUM PALLADION INVESTMENTS LTD→ 15745234 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AVENUE FINANCIAL SOLUTIONS LTD→ 11972856 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AVK GROUP LTD→ 13336742 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AZURE FINANCIAL SOLUTIONS LIMITED→ 06223698 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| BACQD CAPITAL LIMITED→ 16678319 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BAGLEY INVESTMENT GROUP LTD→ 14078409 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BAIRDS MALT (PENSION TRUSTEES) LTD→ 02426370 · est 1989 · no financials extracted | — | — | — | — | 36y | — | — |
| BALL PROTECTION LIMITED→ 15873817 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BANANA FARM LIMITED→ 16368228 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BARRAS CAPITAL MANAGEMENT PLC→ 13449884 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BASELINE REAL ESTATE LIMITED→ 10383246 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2013-11-12
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
8 Criterion House
40 Parkway
Chelmsford
Essex
CM2 7PN
England
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-11-26
Last: 2025-11-12
Officers (1 active · 3 resigned)
DAVIS, Stephen→
Activedirector · ~54y · appointed 2013-11-12
View their other companies + combined net worth →
DAVIS, Stephen→
Resigneddirector · ~47y · appointed 2013-11-12 · resigned 2013-11-12
PENTELOW, Mark Wesley Brian→
Resigneddirector · ~50y · appointed 2014-03-12 · resigned 2025-12-31
PENTELOW, Mark Wesley Brian→
Resigneddirector · ~50y · appointed 2013-11-12 · resigned 2014-02-17
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Metro Bank Metro Bank PLC | A registered charge | — | 05/02/2018 | 08/01/2024 |
Recent filings (52 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-27
gazette-filings-brought-up-to-date
gazette · DISS40
2026-02-25
gazette-notice-compulsory
gazette · GAZ1
2026-02-24
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-21
change-person-director-company-with-change-date
officers · CH01
2026-02-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-20
termination-director-company-with-name-termination-date
officers · TM01
2026-02-20
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-02-20
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-18
change-person-director-company-with-change-date
officers · CH01
2024-11-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-18
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-10-21
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-19
mortgage-satisfy-charge-full
mortgage · MR04
2024-01-08