AQUAE SULIS LENDING LIMITED
🌿Early-stageactive
13952492 · ltd · incorporated 2022-03-03
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2026
Net worth
—
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 70/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
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
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
14 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
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 | 2026-03-31 | 2025-03-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (12 events)Click to expand
- 2026-04-09📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-04-11📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-12-16📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-03-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-03-10📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-03-06📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-03-06📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-11-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-03-03🏢Company incorporatedAs AQUAE SULIS LENDING LIMITED
- 2022-03-03➕CARMICHAEL, Alastair James Hugh appointeddirector
- 2022-03-03➕KEEGAN, Toby Alexander Edward appointeddirector
- 2022-03-03📄incorporation-companyincorporation · NEWINC
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
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.)
Group structure
2 corporate shareholders identified. Group structure is distributed.
🏛️significant stake
Ajhc Limited
Corporate parent · holds 25-50% shares
🏛️significant stake
T Keegan Limited
Corporate parent · holds 25-50% shares
⬇
AQUAE SULIS LENDING LIMITED
This company · 13952492
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ajhc Limited Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 03/03/2022 |
T Keegan Limited Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 03/03/2022 |
2 historic (ceased) PSCs
- Mr Alastair James Hugh Carmichaelceased 03/03/2022· 25-50% shares · 25-50% voting · board control
- Mr Toby Alexander Edward Keeganceased 03/03/2022· 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.
🔒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 · IP postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 19TH HOLE INVESTMENTS LTD→ 16811939 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AHP WEALTH MANAGEMENT LIMITED→ 05679346 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| ALL IN ONE FINANCE & PROPERTY LTD→ 16273521 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ALPHA INDEX LAB LIMITED→ 16081122 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ALPHABET CAPITAL LTD→ 09987840 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| AMAZONICA GROUP LTD→ 16401464 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AMPHIUS LIMITED→ 05596948 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ANDREW MILLS FINANCIAL SERVICES LIMITED→ 08929852 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ANLUKO LIMITED→ 15556108 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ARTES SPECIALTY LIMITED→ 13530935 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ASSURED PAY LTD→ 13076121 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ATALANTA MANAGEMENT LIMITED→ 09061847 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2022-03-03
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
80 Compair Crescent
Ipswich
Suffolk
IP2 0EH
United Kingdom
Filing status
Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-03-17
Last: 2026-03-03
Officers (2 active · 0 resigned)
CARMICHAEL, Alastair James Hugh→
Activedirector · ~41y · appointed 2022-03-03
View their other companies + combined net worth →
KEEGAN, Toby Alexander Edward→
Activedirector · ~41y · appointed 2022-03-03
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (14 total)
accounts-with-accounts-type-dormant
accounts · AA
2026-04-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-11
accounts-with-accounts-type-dormant
accounts · AA
2025-04-11
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-06
accounts-with-accounts-type-dormant
accounts · AA
2024-12-16
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-12
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-10
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-03-10
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-03-06
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-06
accounts-with-accounts-type-dormant
accounts · AA
2023-11-21
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-16
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-22
incorporation-company
incorporation · NEWINC
2022-03-03