ADVANTAGE FINANCIAL SOLUTIONS LTD
🏛️Establishedactive
12291836 · ltd · incorporated 2019-10-31
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 Oct 2025
Net worth
—
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
ALSO REGISTERED FOR
- 65110Life insurance
- 65120Non-life insurance
- 96090Other service activities n.e.c.
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 71/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 4 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
3 officers (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
24 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-10-31 | 2024-10-31 |
|---|---|---|
| Average employees | 500 | 600 |
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
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2026-02-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-08📄memorandum-articlesincorporation · MA
- 2022-01-08📄resolutionresolution · RESOLUTIONS
- 2022-01-07📄capital-allotment-sharescapital · SH01
- 2021-03-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-01-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-01-20📄change-person-director-company-with-change-dateofficers · CH01
- 2021-01-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-01-20📄change-person-director-company-with-change-dateofficers · CH01
- 2021-01-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-01-20📄change-person-director-company-with-change-dateofficers · CH01
- 2020-03-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-10-31🏢Company incorporatedAs ADVANTAGE FINANCIAL SOLUTIONS LTD
- 2019-10-31➕COLLIER, Thomas James appointeddirector
- 2019-10-31➕LIGHT, Daniel Christopher John appointeddirector
- 2019-10-31➕MORRIS, Steven William John appointeddirector
- 2019-10-31📄incorporation-companyincorporation · NEWINC
Owner dependency
50/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
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
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Steven William John Morris Individual · British · DOB 04/1986 · age 40 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 31/10/2019 |
Mr Thomas James Collier Individual · British · DOB 06/1989 · age 37 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 31/10/2019 |
Mr Daniel Christopher John Light Individual · British · DOB 10/1981 · age 45 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 31/10/2019 |
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 · BS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2C'S MORTGAGE SERVICES LTD→ 12029195 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 365FS LIMITED→ 17057102 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 4 FINANCIAL PLANNING LTD→ 12136772 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 9X GROUP UK LIMITED→ 17003112 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| A. D. ADAMS & CO LTD→ 15641973 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ABCD PROPERTY FINANCE LTD→ 16933553 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACCORD INTERNATIONAL PLANNING LIMITED→ 11232639 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| ACOMARVIC LIMITED→ 17099981 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ADMIRAL MARINE LIMITED→ 02666794 · est 1991 · no financials extracted | — | — | — | — | 34y | — | — |
| ADN CAPITAL MARKETS LIMITED→ 12467084 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ADVISE AND PROTECT LIMITED→ 08180206 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| AGECROFT PROPERTIES (NO.2) LIMITED→ 04167343 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
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
Incorporated2019-10-31
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
The Carriage Works London Road
Warmley
Bristol
BS30 5NA
England
Filing status
Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2026-11-13
Last: 2025-10-30
Officers (3 active · 0 resigned)
COLLIER, Thomas James→
Activedirector · ~37y · appointed 2019-10-31
View their other companies + combined net worth →
LIGHT, Daniel Christopher John→
Activedirector · ~45y · appointed 2019-10-31
View their other companies + combined net worth →
MORRIS, Steven William John→
Activedirector · ~40y · appointed 2019-10-31
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (24 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-20
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-12
memorandum-articles
incorporation · MA
2022-01-08
resolution
resolution · RESOLUTIONS
2022-01-08
capital-allotment-shares
capital · SH01
2022-01-07
confirmation-statement-with-updates
confirmation-statement · CS01
2021-11-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-01-27