A3 MORTGAGE SERVICES LIMITED
🏛️Establishedactive
11949793 · ltd · incorporated 2019-04-16
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 Mar 2026
Net worth
£86.9k
book net assets
Opportunity
77/100
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 77/100 (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: Deleverage or restructure. Leverage at 100% of assets — consider sale of non-core assets or equity injection. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (78/100)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
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
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
28 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
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
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £86,893
High leverage
Liabilities are 100% of total assets
Net assets shrinking
Down £12,068 YoY
Leverage
100%
Liabilities / Total assets
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£87k
↓ 12% YoY
Current Assets
£104k
↓ 18% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2026-03-31 | 2025-03-31 |
|---|---|---|
| Total assets | £104.2k | £126.7k |
| Current assets | £103.7k | £126.0k |
| Net assets | £86.9k | £99.0k |
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 accounts
Last 90 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2026-05-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-09-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-07📄capital-name-of-class-of-sharescapital · SH08
- 2024-04-11📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2024-04-11📄notification-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC08
- 2024-04-11📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-04-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-04-11📄capital-allotment-sharescapital · SH01
- 2024-04-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-04-01➕REES, Hannah appointeddirector
- 2023-07-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-06-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-12-06📄change-person-director-company-with-change-dateofficers · CH01
- 2021-12-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-04-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-16📄change-person-director-company-with-change-dateofficers · CH01
- 2020-12-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-09-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-04-16🏢Company incorporatedAs A3 MORTGAGE SERVICES LIMITED
- 2019-04-16➕POWELL, Heidi 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.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +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 |
|---|---|---|---|---|
Mrs Hannah Rees Individual · British · DOB 03/1992 · age 34 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/04/2024 |
Mrs Heidi Powell Individual · British · DOB 05/1963 · age 63 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 16/04/2019 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · KT postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A FINANCE INVESTMENT GROUP LTD→ 16283030 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| A.H.G CONSULTANCY LTD→ 15964068 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A&I MORTGAGES LIMITED→ 15704899 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AAKGLOBALINVESTMENTS LIMITED→ 16304203 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ACCUMULUS WEALTH MANAGEMENT LIMITED→ 10043154 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ADAPT FINANCE INVESTMENT GROUP LIMITED→ 11121338 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ADAPT FUNDING LIMITED→ 08972079 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ADAPT PARTNERS LIMITED→ 11214894 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| ADATECH VENTURE LTD→ 15286063 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AEB SHAREHOLDINGS LIMITED→ 15787841 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AGB & ASSOCIATES LIMITED→ 04574053 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| AGB PROPERTY FINANCE LTD→ 11057259 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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
Incorporated2019-04-16
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
Oyster Hill Forge Clay Lane
Headley
Epsom
Surrey
KT18 6JX
United Kingdom
Filing status
Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-04-25
Last: 2026-04-11
Officers (2 active · 0 resigned)
POWELL, Heidi→
Activedirector · ~63y · appointed 2019-04-16
View their other companies + combined net worth →
REES, Hannah→
Activedirector · ~34y · appointed 2024-04-01
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (28 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-21
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-13
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-01
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-25
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-23
capital-name-of-class-of-shares
capital · SH08
2024-05-07
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-11
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2024-04-11
notification-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC08
2024-04-11
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-04-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-04-11
capital-allotment-shares
capital · SH01
2024-04-11
appoint-person-director-company-with-name-date
officers · AP01
2024-04-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-24
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-21