EMMA PECK WEALTH MANAGEMENT LTD
- 66290Other activities auxiliary to insurance and pension funding
- 82990Other business support service activities n.e.c.
Opportunity 73/100 (strong), bankability 80/100. 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).
Refinance opportunity
1 live charge · oldest 5.0y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 100 | 100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 signals 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
Corporate timeline (15 events)Click to expand
- 2025-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-07📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2022-09-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-06-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-18🔒Charge registered #1Lender: Metro Bank PLC
- 2020-05-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-11-06📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2019-04-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2019-01-04📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2018-11-05🏢Company incorporatedAs EMMA PECK WEALTH MANAGEMENT LTD
- 2018-11-05➕PECK, Emma Louise appointeddirector
- 2018-11-05📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "PECK" — strong identity link between founder and business.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Emma Louise Peck Individual · British · DOB 07/1980 · age 46 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 05/11/2018 |
Mr David Michael Peck Individual · British · DOB 03/1983 · age 43 | 25–50% | — | 25-50% shares | 06/04/2019 |
1 historic (ceased) PSC
- Mr David Michael Peckceased 04/01/2019· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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
Registered office
Filing status
Officers (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Metro Bank Metro Bank PLC | A registered charge | — | 18/06/2021 | — |