ASPIRE PAYMENTS LIMITED
💤Zombieactive
09609407 · ltd · incorporated 2015-05-27
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
—
book net assets
Opportunity
78/100
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 78/100 (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: share sale to pe / searcher (73/100).
Data confidence
Overall: high (81/100)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
Confirmed no charges registered
85
Directors & officers
8 officers (2 active, 8 linked, 6 with DOB)
85
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
57 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 23 | 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
1
filing
- • 1 officers
Last 90 days
1
filing
- • 1 officers
Last 180 days
2
filings
- • 1 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
- 2026-05-30📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-05-29➖FOO, Steven Christopher resigneddirector
- 2025-12-24📄accounts-with-accounts-type-smallaccounts · AA
- 2024-12-24📄accounts-with-accounts-type-smallaccounts · AA
- 2024-04-25➕O'BRIEN, Matthew James appointedsecretary
- 2024-04-25📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-01-04📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2023-09-26📄accounts-with-accounts-type-fullaccounts · AA
- 2023-05-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2023-05-04✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2023-04-27📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-04-27📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-04-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-27📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2023-04-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-04-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-26➕RIGLER, Adam David appointeddirector
- 2023-04-26➕FOO, Steven Christopher appointeddirector
- 2023-04-26➖HAPPE, Judy Amanda resigneddirector
- 2022-10-12📄accounts-with-accounts-type-fullaccounts · AA
- 2022-06-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2022-04-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-03-31➖MASON, David George resigneddirector
- 2022-01-21📄accounts-with-accounts-type-fullaccounts · AA
- 2020-12-03➕HAPPE, Judy Amanda appointeddirector
- 2020-10-19➕MASON, David George appointeddirector
- 2020-10-19➖MORENO RODRIGUEZ, Ernesto Camilo resigneddirector
- 2018-05-02➖MARQUES CRAVO, Rui Manuel resignedsecretary
- 2018-05-02➖MARQUES CRAVO, Rui Manuel resigneddirector
- 2015-05-27🏢Company incorporatedAs ASPIRE PAYMENTS LIMITED
- 2015-05-27➕MARQUES CRAVO, Rui Manuel appointedsecretary
- 2015-05-27➕MARQUES CRAVO, Rui Manuel appointeddirector
- 2015-05-27➕MORENO RODRIGUEZ, Ernesto Camilo appointeddirector
Owner dependency
83/100
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
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
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
Aspire Commerce Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Aspire Commerce Group Limited
Corporate parent · holds 75-100% shares
⬇
ASPIRE PAYMENTS LIMITED
This company · 09609407
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 |
|---|---|---|---|---|
Aspire Commerce Group Limited Corporate entity | 75–100% | — | 75-100% shares | 26/04/2023 |
2 historic (ceased) PSCs
- Cornerstone Payment Solutions Ltdceased 26/04/2023· 75-100% shares · 75-100% voting
- Ernesto Camilo Moreno Rodriguezceased 19/10/2020· 75-100% shares · 75-100% voting · board control
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 · CH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 4MM LTD→ 07783098 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| A MOVE BROKERS LTD→ 10430934 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ACCURO UNDERWRITING LTD→ 04118067 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| ACTURA CAPITAL LTD→ 16978857 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AINSWORTH MORTGAGES LIMITED→ 05360031 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| ASGUARD SECURITY GROUP LTD→ 15974439 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ASPIRE LENDING (1) LIMITED→ 16118658 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ASPIRE LENDING (5) LIMITED→ 17016757 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ASTLEY CONSULTANCY (NO. 2) LTD.→ 10664872 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ASTON FINANCIAL LTD→ 05989487 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| ASTON RISK MANAGEMENT LIMITED→ 07957091 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| ASTUTE INVESTMENT MANAGEMENT LTD→ 11782438 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2015-05-27
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
24 Nicholas Street
Chester
CH1 2AU
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-02-14
Last: 2026-01-31
Officers (2 active · 6 resigned)
O'BRIEN, Matthew James→
Activesecretary · appointed 2024-04-25
View their other companies + combined net worth →
RIGLER, Adam David→
Activedirector · ~60y · appointed 2023-04-26
View their other companies + combined net worth →
MARQUES CRAVO, Rui Manuel→
Resignedsecretary · appointed 2015-05-27 · resigned 2018-05-02
FOO, Steven Christopher→
Resigneddirector · ~53y · appointed 2023-04-26 · resigned 2026-05-29
HAPPE, Judy Amanda→
Resigneddirector · ~46y · appointed 2020-12-03 · resigned 2023-04-26
MARQUES CRAVO, Rui Manuel→
Resigneddirector · ~42y · appointed 2015-05-27 · resigned 2018-05-02
MASON, David George→
Resigneddirector · ~69y · appointed 2020-10-19 · resigned 2022-03-31
MORENO RODRIGUEZ, Ernesto Camilo→
Resigneddirector · ~51y · appointed 2015-05-27 · resigned 2020-10-19
Click a director name to see their full track record across all companies.
Recent filings (57 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-01
accounts-with-accounts-type-small
accounts · AA
2025-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-06
accounts-with-accounts-type-small
accounts · AA
2024-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-25
appoint-person-secretary-company-with-name-date
officers · AP03
2024-04-25
change-account-reference-date-company-previous-extended
accounts · AA01
2024-01-04
accounts-with-accounts-type-full
accounts · AA
2023-09-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-05-17
certificate-change-of-name-company
change-of-name · CERTNM
2023-05-04
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-28
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2023-04-27
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-04-27
appoint-person-director-company-with-name-date
officers · AP01
2023-04-27