EMMA WIGLEY MORTGAGE SOLUTIONS LTD

💤Zombieactive
09727385 · ltd · incorporated 2015-08-11
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 Aug 2025
Net worth
£75
book net assets
Opportunity
68/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle. Reasonable fundamentals — worth a memo before deciding.

Opportunity 68/100 (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 (69/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
7 officers (2 active, 7 linked, 5 with DOB)
84
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
41 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
68/100Strong
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
69
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £75

Key financials

1 year extracted from filed iXBRL accounts
Cash
£3k
Net Worth
£75
Current Assets
£3k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-08-31
Total assets£75
Current assets£3.3k
Cash£3.3k
Debtors£9
Net assets£75

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
2
filings
  • • 2 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2026-03-26
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  2. 2026-03-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-11-17
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2025-09-22
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  5. 2025-09-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  6. 2025-09-17
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  7. 2025-09-16
    ➕
    WIGLEY, Emma Louise appointed
    secretary
  8. 2025-09-16
    ➖
    ATKINSON, Mark Thomas Hugh resigned
    secretary
  9. 2025-09-16
    ➖
    ATKINSON, Mark Thomas Hugh resigned
    director
  10. 2025-09-16
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  11. 2025-03-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2025-01-13
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  13. 2025-01-07
    📄
    withdrawal-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC09
  14. 2024-11-19
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2024-09-01
    ➖
    ANSLOW, Patricia resigned
    director
  16. 2024-04-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2023-03-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2022-03-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2021-11-16
    ➖
    SUMNER, Berenice resigned
    director
  20. 2021-11-16
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  21. 2021-03-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2020-04-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2019-06-01
    ➕
    WATERSTON, Duncan Stewart appointed
    director
  24. 2019-06-01
    ➖
    WATERSTON, Duncan Stewart resigned
    director
  25. 2015-08-11
    🏢
    Company incorporated
    As EMMA WIGLEY MORTGAGE SOLUTIONS LTD
  26. 2015-08-11
    ➕
    WIGLEY, Emma Louise appointed
    director
  27. 2015-08-11
    ➕
    ATKINSON, Mark Thomas Hugh appointed
    secretary
  28. 2015-08-11
    ➕
    ANSLOW, Patricia appointed
    director
  29. 2015-08-11
    ➕
    ATKINSON, Mark Thomas Hugh appointed
    director
  30. 2015-08-11
    ➕
    SUMNER, Berenice appointed
    director

Owner dependency

90/100
Critical — business is the founder

The 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.
  • +Founder name in company name: Company name contains director surname "WIGLEY" — strong identity link between founder and business.

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

2 med ·
2 director resignations in last 12 months
medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: ATKINSON, Mark Thomas Hugh resigned 2025-09-16; ATKINSON, Mark Thomas Hugh resigned 2025-09-16

Name changed recently
medium

Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.

Evidence: 2025-09-17: certificate-change-of-name-company

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mrs Emma Louise Wigley
Individual · British · DOB 11/1978 · age 48
75–100%
—75-100% shares01/08/2024
1 historic (ceased) PSC
  • Escom Ltdceased 06/04/2016· 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.

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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
Incorporated2015-08-11
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

26 Cornfield Close
Bomere Heath
Shrewsbury
SY4 3PA
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-10-01
Last: 2025-09-17

Officers (2 active · 5 resigned)

WIGLEY, Emma Louise→
secretary · appointed 2025-09-16
View their other companies + combined net worth →
Active
WIGLEY, Emma Louise→
director · ~48y · appointed 2015-08-11
View their other companies + combined net worth →
Active
ATKINSON, Mark Thomas Hugh→
secretary · appointed 2015-08-11 · resigned 2025-09-16
Resigned
ANSLOW, Patricia→
director · ~68y · appointed 2015-08-11 · resigned 2024-09-01
Resigned
ATKINSON, Mark Thomas Hugh→
director · ~68y · appointed 2015-08-11 · resigned 2025-09-16
Resigned
SUMNER, Berenice→
director · ~67y · appointed 2015-08-11 · resigned 2021-11-16
Resigned
WATERSTON, Duncan Stewart→
director · ~53y · appointed 2019-06-01 · resigned 2019-06-01
Resigned

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

Recent filings (41 total)

change-account-reference-date-company-current-shortened
accounts · AA01
2026-03-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-11
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-11-17
appoint-person-secretary-company-with-name-date
officers · AP03
2025-09-22
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-17
termination-director-company-with-name-termination-date
officers · TM01
2025-09-17
certificate-change-of-name-company
change-of-name · CERTNM
2025-09-17
termination-secretary-company-with-name-termination-date
officers · TM02
2025-09-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-15
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-01-13
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2025-01-07
termination-director-company-with-name-termination-date
officers · TM01
2024-11-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-16