CRAIG POTTER MORTGAGES & PROTECTION LTD
Opportunity 71/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £17.7k | £33.0k |
| Current assets | £63.1k | — |
| Cash | £61.5k | £49.5k |
| Debtors | £1.6k | — |
| Net assets | £17.7k | £33.0k |
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
Corporate timeline (12 events)Click to expand
- 2025-11-10📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-10-10📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-12-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-08-09📄capital-allotment-sharescapital · SH01
- 2022-08-09📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-07-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-04-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-04-12📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2021-06-29📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2021-04-03🏢Company incorporatedAs CRAIG POTTER MORTGAGES & PROTECTION LTD
- 2021-04-03➕POTTER, Craig appointeddirector
- 2021-04-03📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "POTTER" — strong identity link between founder and business.
- +No director turnover: Company is 5 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Craig Potter Individual · British · DOB 10/1991 · age 35 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 19/04/2022 |
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.
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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 (1 active · 0 resigned)
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