ASK THE MORTGAGE EXPERTS LTD
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.
Mixed signal. Worth opening the full target workup before deciding to pursue.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Average employees | 200 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
Corporate timeline (12 events)Click to expand
- 2026-02-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-01-15📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-01-08📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-07-25📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-01-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-01-13➕KALIRAI, Sukhwir Kaur appointeddirector
- 2021-11-09📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-11-10📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-05-07📄resolutionresolution · RESOLUTIONS
- 2019-05-01🏢Company incorporatedAs ASK THE MORTGAGE EXPERTS LTD
- 2019-05-01➕KALIRAI, Amarpal Singh appointeddirector
- 2019-05-01📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +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
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Amarpal Singh Kalirai Individual · British · DOB 07/1975 · age 51 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/05/2019 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · WV postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 27M CASH MANAGEMENT LTD→ 15873332 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A LISTERS LETTINGS LIMITED→ 10966358 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| A.R DEVELOPMENTS (MIDLANDS) LTD→ 11343318 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACCOUNTING CONSULTANCY SERVICES LTD→ 10968955 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| AESORA LIMITED→ 15542451 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ALEXANDER-HEAD & CO LTD→ 06683418 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ALLIED FINANCIAL (W-TON) LTD→ 06690973 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ALPHA MORTGAGE & CONSULTANCY LTD→ 16635708 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| APPLEGREEN TRADING & INVESTMENTS UK LTD→ 13098966 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ARMADA CORPORATE CONTRACTS LIMITED→ 10190207 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ASHIK CHICKEN KEBABS (HOLDINGS) LIMITED→ 12719936 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ASTBURY HALL LIMITED→ 11291555 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.