ADAMS & BOWLES WEALTH MANAGEMENT LTD
🏛️Establishedactive
12211708 · ltd · incorporated 2019-09-17
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 5.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£303.4k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 5.0y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.0 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
2 connected companies via shared directors
51
Filing history
23 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
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 £303,387
Cash YoY
+90%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£251k
↑ 90% YoY
Net Worth
£303k
↑ 40% YoY
Current Assets
£299k
↑ 71% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £586.3k | £541.7k |
| Current assets | £299.1k | £174.6k |
| Cash | £250.7k | £131.9k |
| Debtors | £48.4k | £42.7k |
| Net assets | £303.4k | £217.0k |
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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2026-03-06📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-02-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-05-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-05-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-01-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-10-02🔓Charge satisfied #1
- 2022-02-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-09-23📄change-person-director-company-with-change-dateofficers · CH01
- 2021-09-23📄change-person-director-company-with-change-dateofficers · CH01
- 2021-08-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-08-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-06-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-03🔒Charge registered #1Lender: Metro Bank PLC
- 2021-05-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-11-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-09-17🏢Company incorporatedAs ADAMS & BOWLES WEALTH MANAGEMENT LTD
- 2019-09-17➕ADAMS, Luke Christopher appointeddirector
- 2019-09-17➕BOWLES, Daniel Christopher appointeddirector
- 2019-09-17📄incorporation-companyincorporation · NEWINC
Owner dependency
78/100
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.
- +Founder name in company name: Company name contains director surname "ADAMS" — strong identity link between founder and business.
- +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 signalLimited 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
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 Daniel Christopher Bowles Individual · British · DOB 01/1989 · age 37 | — | — | sig. influencesignificant influence | 17/09/2019 |
Mr Luke Christopher Adams Individual · British · DOB 01/1990 · age 36 | — | — | sig. influencesignificant influence | 17/09/2019 |
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 · ME postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A B RISK SUPPORT LIMITED→ 12065113 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| A&A INVESTMENT GROUP LTD→ 13495173 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| A2O HOLDING INTERNATIONAL LIMITED→ 15296010 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABA INSURANCE COMMERCIAL LIMITED→ 10778761 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ABC MORTGAGES LTD→ 13184891 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ABLESTOKE FINANCIAL ADVISERS LIMITED→ 07558846 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| ABLESTOKE LIMITED→ 06770509 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ABLESTOKE WEALTH MANAGEMENT LIMITED→ 06770628 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ABSOLUTE KIT LIMITED→ 12415310 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ACCESS MEDIA ADVISORY LIMITED→ 04783043 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| ACCLAIMED SERVICES LIMITED→ 11752253 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ADVICE SOLUTIONS LIMITED→ 13471818 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2019-09-17
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
Suite1 30 Churchill Square
Kings Hill
West Malling
Kent
ME19 4YU
England
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-09-22
Last: 2025-09-08
Officers (2 active · 0 resigned)
ADAMS, Luke Christopher→
Activedirector · ~36y · appointed 2019-09-17
View their other companies + combined net worth →
BOWLES, Daniel Christopher→
Activedirector · ~37y · appointed 2019-09-17
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
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Metro Bank Metro Bank PLC | A registered charge | — | 03/06/2021 | 02/10/2022 |
Recent filings (23 total)
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-03-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-02-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-05-06
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-31
mortgage-satisfy-charge-full
mortgage · MR04
2022-10-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-23
accounts-with-accounts-type-micro-entity
accounts · AA
2022-02-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-11-18
change-person-director-company-with-change-date
officers · CH01
2021-09-23
change-person-director-company-with-change-date
officers · CH01
2021-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-23