AMS ACCOUNTANTS GROUP LTD
Opportunity 70/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (70/100).
Refinance opportunity
4 live charges · 3 lenders · oldest 6.4y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 6.4 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
- · Profitable and stable/growing — lender coverage supportable.
Data confidence
Overall: high (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key 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 | 2024-12-30 | 2023-12-30 |
|---|---|---|
| Profit before tax | £155.1k | — |
| Average employees | 112 | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
4 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
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (31 events)Click to expand
- 2026-01-30📄accounts-with-accounts-type-groupaccounts · AA
- 2025-09-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-09🔒Charge registered #4Lender: Hsbc UK Bank PLC
- 2025-08-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-06-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-17🔓Charge satisfied #3
- 2025-06-17🔓Charge satisfied #1
- 2025-06-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-06-16📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-06-16📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-06-05📄capital-allotment-sharescapital · SH01
- 2025-06-05📄capital-allotment-sharescapital · SH01
- 2025-04-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-04-16📄accounts-with-accounts-type-groupaccounts · AA
- 2024-12-20📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-07-18📄resolutionresolution · RESOLUTIONS
- 2024-07-18📄memorandum-articlesincorporation · MA
- 2024-07-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-18🔓Charge satisfied #2
- 2024-07-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-05🔒Charge registered #3Lender: Oaknorth Bank PLC (As Security Trustee)
- 2024-01-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-06-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-06-01📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2022-07-04🔒Charge registered #2Lender: Hsbc UK Bank PLC
- 2020-03-08🔒Charge registered #1Lender: Emma Clegg
- 2019-05-03🏢Company incorporatedAs AMS ACCOUNTANTS GROUP LTD
- 2019-05-03➕CLEGG, David Luke appointeddirector
- 2019-05-03➕SIDAT, Ebrahim Adam appointeddirector
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.
- +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 med · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Multiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
Stella Maris Bidco Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Stella Maris Bidco Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 09/06/2025 |
2 historic (ceased) PSCs
- Mr David Luke Cleggceased 09/06/2025· 25-50% shares · 25-50% voting · board control
- Mr Ebrahim Adam Sidatceased 09/06/2025· 25-50% shares · 25-50% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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 · Holding company · M postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALBION HALL LIMITED→ 16320139 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ALL WORK AND SOCIAL G&S LIMITED→ 11120030 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ALLIED CONSTRUCTION HOLDINGS LIMITED→ 05355163 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| AMICA GROUP HOLDINGS LTD→ 16969344 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AMJ PARTNERS LIMITED→ 13118470 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AMS ACCOUNTING MIDCO LIMITED→ 16131640 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AMS ADVISORY MIDCO LIMITED→ 14385439 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AMS CONSULTING MIDCO LTD→ 14630676 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| AMS INSOLVENCY MIDCO LTD→ 14417941 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AMS PROPERTY INVESTMENTS LTD→ 11450523 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AMS TAX MIDCO LIMITED→ 13767244 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AMS WEALTH MANAGEMENT MIDCO LTD→ 14975991 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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 →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.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 09/09/2025 | — | |
| satisfied | OakNorth Oaknorth Bank PLC (As Security Trustee) | A registered charge | — | 05/07/2024 | 17/06/2025 | |
| satisfied | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 04/07/2022 | 18/07/2024 | |
| satisfied | Emma Clegg / Afirah Mayet | A registered charge | 3 properties | 08/03/2020 | 17/06/2025 |