CARPENTER WEALTH MANAGEMENT LIMITED
🌳Matureactive
09443583 · ltd · incorporated 2015-02-17
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 10.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 10.8y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 10.8 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
36 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
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | — | £236.4k |
| Current assets | — | £152.5k |
| Cash | — | £114.7k |
| Debtors | — | £37.8k |
| Average employees | 4 | — |
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
4
filings
- • 3 persons-with-significant-control
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2026-03-26📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-03-26📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-03-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-11-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-08📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2022-11-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-02-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-02-11➕CARPENTER, Amy appointeddirector
- 2020-11-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-02-18🔓Charge satisfied #1
- 2018-12-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-11-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-11-05➕CARPENTER, Amy appointeddirector
- 2018-11-05➖CARPENTER, Amy resigneddirector
- 2015-10-08🔒Charge registered #1Lender: Metro Bank PLC
- 2015-02-17🏢Company incorporatedAs CARPENTER WEALTH MANAGEMENT LIMITED
- 2015-02-17➕CARPENTER, Paul appointeddirector
Owner dependency
81/100
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "CARPENTER" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
41/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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.)
Group structure
Adams & Bowles Wealth Management Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Adams & Bowles Wealth Management Ltd
Corporate parent · holds 75-100% shares · board control
⬇
CARPENTER WEALTH MANAGEMENT LIMITED
This company · 09443583
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Adams & Bowles Wealth Management Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 20/03/2026 |
2 historic (ceased) PSCs
- Mrs Amy Carpenterceased 20/03/2026· 25-50% shares
- Mr Paul Carpenterceased 20/03/2026· 75-100% shares · 75-100% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| AXE ASSET MANAGEMENT LTD→ 13947001 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
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| CENTRIC MORTGAGE FINANCE LTD→ 08337754 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| CFDS (PRO) LTD.→ 07133719 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| CHALLENGE GROUP (UK) LIMITED→ 07996568 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2015-02-17
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
19 North Street
Ashford
Kent
TN24 8LF
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-02
Last: 2026-02-16
Officers (2 active · 1 resigned)
CARPENTER, Amy→
Activedirector · ~41y · appointed 2021-02-11
View their other companies + combined net worth →
CARPENTER, Paul→
Activedirector · ~52y · appointed 2015-02-17
View their other companies + combined net worth →
CARPENTER, Amy→
Resigneddirector · ~41y · appointed 2018-11-05 · resigned 2018-11-05
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 | 1 property | 08/10/2015 | 18/02/2019 |
Recent filings (36 total)
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-03-26
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-03-26
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-03-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-14
change-account-reference-date-company-current-extended
accounts · AA01
2023-03-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-25
confirmation-statement-with-updates
confirmation-statement · CS01
2021-02-16