AU WEALTH MANAGEMENT LTD
🏛️Establishedactive
11874982 · ltd · incorporated 2019-03-11
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 7.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£77.7k
book net assets
Opportunity
79/100
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 79/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
1 live charge · oldest 7.1y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 7.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
15 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £77,662
Cash YoY
-6%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£3k
↓ 5.7% YoY
Net Worth
£78k
↑ 20% YoY
Current Assets
£19k
↑ 591% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £103.3k | £95.9k |
| Current assets | £19.1k | £2.8k |
| Cash | £2.6k | £2.8k |
| Debtors | £16.5k | — |
| Net assets | £77.7k | £64.9k |
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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (12 events)Click to expand
- 2025-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-08-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-06-04🔒Charge registered #1Lender: Handelsbanken PLC
- 2019-03-11🏢Company incorporatedAs AU WEALTH MANAGEMENT LTD
- 2019-03-11➕UPTON, Aidan Vere appointeddirector
- 2019-03-11➕UPTON, Julie Ann appointeddirector
- 2019-03-11📄incorporation-companyincorporation · NEWINC
Owner dependency
79/100
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.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Aidan Vere Upton Individual · British · DOB 02/1963 · age 63 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 11/03/2019 |
Mrs Julie Ann Upton Individual · British · DOB 01/1963 · age 63 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 11/03/2019 |
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 · M postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALIF GLOBAL LTD→ 14926991 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ASL MORTGAGES AND PROTECTION LTD→ 12313996 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ASSETUS LIMITED→ 16194923 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ASSOCIATED BODYSHOP FACTORS LIMITED→ 05098842 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| ATLANTA INSURANCE INTERMEDIARIES LIMITED→ 00756681 · est 1963 · no financials extracted | — | — | — | — | 63y | — | — |
| AUCTERIS LIMITED→ 16713515 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AZURO MONEY LIMITED→ 15885946 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BAKER FINANCIAL PLANNING LTD→ 05920862 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| BALBISI FINANCIAL SERVICES LIMITED→ 12252892 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BALSA COMMERCIAL FINANCE LIMITED→ 14498554 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BAMBURGH CAPITAL LIMITED→ 07155076 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| BANANI SAKTI INVESTMENTS LTD→ 16619568 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2019-03-11
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
6 Longley Drive
Worsley
Manchester
M28 2TP
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-24
Last: 2026-03-10
Officers (2 active · 0 resigned)
UPTON, Aidan Vere→
Activedirector · ~63y · appointed 2019-03-11
View their other companies + combined net worth →
UPTON, Julie Ann→
Activedirector · ~63y · appointed 2019-03-11
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | — | 04/06/2019 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (15 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2019-06-04
incorporation-company
incorporation · NEWINC
2019-03-11