ANTCLIFF MORTGAGES & PROTECTION LTD
🏛️Establishedactive
10385168 · ltd · incorporated 2016-09-20
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£21.2k
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 72/100 (strong), bankability 75/100. 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).
Data confidence
Overall: high (80/100)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
2 officers (2 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
32 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £21,179
Cash YoY
+90%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£22k
↑ 90% YoY
Net Worth
£21k
↑ 6003% YoY
Current Assets
£22k
↑ 42% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Total assets | £21.2k | £347 |
| Current assets | £21.6k | £15.2k |
| Cash | £21.6k | £11.4k |
| Debtors | — | £3.9k |
| Net assets | £21.2k | £347 |
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 address
Last 90 days
1
filing
- • 1 address
Last 180 days
1
filing
- • 1 address
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2026-06-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-06-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-11📄change-person-director-company-with-change-dateofficers · CH01
- 2024-06-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-06-11📄change-person-director-company-with-change-dateofficers · CH01
- 2024-06-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-09-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-09-20📄change-person-director-company-with-change-dateofficers · CH01
- 2023-06-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-04-01📄change-person-director-company-with-change-dateofficers · CH01
- 2022-03-25➕LUNN, Sarah Jane appointeddirector
- 2022-02-04✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2021-06-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-11-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-06-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-09-20🏢Company incorporatedAs ANTCLIFF MORTGAGES & PROTECTION LTD
- 2016-09-20➕LUNN, Andrew David appointeddirector
Owner dependency
71/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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 Andrew David Lunn Individual · British · DOB 03/1981 · age 45 | 75–100% | — | 75-100% shares | 20/09/2016 |
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 →Similar companies
Active · Financial services · S postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A SHADE GREENER FINANCE F3 LIMITED→ 15678758 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A SHADE GREENER FINANCE LIMITED→ 10668465 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| A T COMMERCIAL FINANCE 2 LIMITED→ 14921017 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ACORN RESERVE LTD→ 13242218 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ANDREW STUART & COMPANY LIMITED→ 04557297 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ANDY HALL MORTGAGES LTD→ 09479295 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ANLD CRYPTO HOLDINGS LTD→ 16592442 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ARC CAPITAL MARKETS (UK) LIMITED→ 13666413 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ARTISAN FINANCIAL LIMITED→ 09785115 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ARTISAN MORTGAGES LIMITED→ 15195049 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ASCENSION SCAFFOLDING PROPERTY INVESTMENT LTD→ 13467618 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ASCENTEL LIMITED→ 13605604 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2016-09-20
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
14 The Green
Hasland
Chesterfield
S41 0LJ
England
Filing status
Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-10-03
Last: 2025-09-19
Officers (2 active · 0 resigned)
LUNN, Andrew David→
Activedirector · ~45y · appointed 2016-09-20
View their other companies + combined net worth →
LUNN, Sarah Jane→
Activedirector · ~41y · appointed 2022-03-25
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (32 total)
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-06-04
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-15
change-person-director-company-with-change-date
officers · CH01
2024-06-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-06-11
change-person-director-company-with-change-date
officers · CH01
2024-06-11
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-06-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-09-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-09-20
change-person-director-company-with-change-date
officers · CH01
2023-09-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-14