AVENUE FINANCIAL SOLUTIONS LTD

🏛️Establishedactive
11972856 · ltd · incorporated 2019-05-01
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
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Turnover
year to May 2024
Net worth
£-20.4k
book net assets
Opportunity
64/100
Worth a look
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 64/100 (worth a look), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: strategic trade sale (65/100).

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
12 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
64/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
55
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Negative net assets
Liabilities exceed assets by £20,380

Key financials

2 years extracted from filed iXBRL accounts
Cash
£810
Net Worth
-£20k
Current Assets
£1k
Current Liabilities
-£20k-£16k-£12k-£8k-£3k£1kMay 2023May 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-05-312023-05-31
Total assets£-20.4k
Current assets£1.0k
Cash£810
Debtors£199
Net assets£-20.4k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (9 events)Click to expand
  1. 2025-03-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-03-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-03-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-03-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-02-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2019-05-01
    🏢
    Company incorporated
    As AVENUE FINANCIAL SOLUTIONS LTD
  7. 2019-05-01
    AGAR-HUTTON, Amy Louise appointed
    director
  8. 2019-05-01
    AGAR-HUTTON, Benjamin Godfrey Chi Seing appointed
    director
  9. 2019-05-01
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

71/100
High — earn-out structure required

Material 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 7 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

36/100
Weak signal

Limited 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

1 high ·
Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-05-14

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Benjamin Godfrey Chi Seing Agar-Hutton
Individual · British · DOB 08/1984 · age 42
2550%
25–50%board control25-50% shares · 25-50% voting · board control01/05/2019
Mrs Amy Louise Agar-Hutton
Individual · British · DOB 03/1987 · age 39
2550%
25–50%board control25-50% shares · 25-50% voting · board control01/05/2019

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
Incorporated2019-05-01
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

69 Fifth Avenue
Chelmsford
CM1 4HB
England

Filing status

Accounts
Next due: 2026-05-31
Last made up to: 2024-05-31
Confirmation statement
Next due: 2026-05-14OVERDUE
Last: 2025-04-30

Officers (2 active · 0 resigned)

AGAR-HUTTON, Amy Louise
director · ~39y · appointed 2019-05-01
View their other companies + combined net worth →
Active
AGAR-HUTTON, Benjamin Godfrey Chi Seing
director · ~42y · appointed 2019-05-01
View their other companies + combined net worth →
Active

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

Recent filings (12 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-15
incorporation-company
incorporation · NEWINC
2019-05-01