AMH FINANCIAL LTD

💤Zombieactive
09502967 · ltd · incorporated 2015-03-23
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
—
not disclosed
Net worth
—
book net assets
Opportunity
74/100
Strong
🔔
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company 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 (57/100)

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
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
44 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.

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
3
filings
  • • 2 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2026-03-26
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  2. 2025-12-28
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  3. 2025-05-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-07-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-09-18
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2023-09-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2023-09-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2023-09-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2023-06-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2022-06-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2022-06-28
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2022-06-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2022-05-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2021-11-29
    ➖
    HIGTON, Melissa Louise resigned
    director
  15. 2021-11-29
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2021-05-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2021-02-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  18. 2021-02-10
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  19. 2018-05-14
    ➕
    HIGTON, Melissa Louise appointed
    director
  20. 2015-03-23
    🏢
    Company incorporated
    As AMH FINANCIAL LTD
  21. 2015-03-23
    ➕
    HIGTON, Gareth John appointed
    director

Owner dependency

75/100
High — earn-out structure required

Material 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

50/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • 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

clean
No 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%
NameSharesVoting rightsNature of controlNotified
Mr Gareth John Higton
Individual · British · DOB 01/1988 · age 38
75–100%
—75-100% shares30/06/2016

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
Incorporated2015-03-23
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

33 Brickworks Way
Hooton
Cheshire
CH66 7PF
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-06
Last: 2026-02-20

Officers (1 active · 1 resigned)

HIGTON, Gareth John→
director · ~38y · appointed 2015-03-23
View their other companies + combined net worth →
Active
HIGTON, Melissa Louise→
director · ~38y · appointed 2018-05-14 · resigned 2021-11-29
Resigned

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

Recent filings (44 total)

change-account-reference-date-company-current-shortened
accounts · AA01
2026-03-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-20
change-account-reference-date-company-current-extended
accounts · AA01
2025-12-28
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-09
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-20
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-09-18
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-09-15
change-person-director-company-with-change-date
officers · CH01
2023-09-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-09-15
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-07
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-05
change-person-director-company-with-change-date
officers · CH01
2022-06-28