AFFORDABLE MORTGAGES.CO.UK LIMITED
🌿Early-stageactive
14602267 · ltd · incorporated 2023-01-18
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 Jan 2026
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: SIC 99999
Sector: Extraterritorial bodies
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 73/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: high (82/100)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 2 total, 2 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
17 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
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 | 2026-01-31 | 2025-01-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
4
filings
- • 1 accounts
- • 1 confirmation-statement
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
- 2026-05-07📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-12-16📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-05-08✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2025-05-08✏️change-of-name-noticechange-of-name · CONNOT
- 2025-04-24📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-05-15📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-02-06📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-01-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-01-23📄change-person-director-company-with-change-dateofficers · CH01
- 2024-01-23📄change-person-director-company-with-change-dateofficers · CH01
- 2024-01-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-01-18🏢Company incorporatedAs AFFORDABLE MORTGAGES.CO.UK LIMITED
- 2023-01-18➕COTTAM, Keith Robin appointeddirector
- 2023-01-18➕MARLOW, Richard William appointeddirector
- 2023-01-18📄incorporation-companyincorporation · NEWINC
Owner dependency
66/100
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.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Name changed 2 times
mediumName changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-05-08: certificate-change-of-name-company; 2025-05-08: change-of-name-notice
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Keith Robin Cottam Individual · British · DOB 09/1962 · age 64 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 18/01/2023 |
Mr Richard William Marlow Individual · British · DOB 02/1969 · age 57 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 18/01/2023 |
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 · Other · S postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A G SYSTEMS LIMITED→ 03059904 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| A J ROSS JOINERY LIMITED→ 12045825 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AAZ HOLDINGS LIMITED→ 13774373 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ACKROYD & ABBOTT DEVELOPMENTS LIMITED→ 02343200 · est 1989 · no financials extracted | — | — | — | — | 37y | — | — |
| ACMETRACK LIMITED→ 01080879 · est 1972 · no financials extracted | — | — | — | — | 53y | — | — |
| ACTUS HEALTH & SAFETY LTD→ 12765988 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ADAPTIVE CHANGE LIMITED→ 15389206 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ADRIAN MADDEN LTD→ 16760970 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AEROSPACE GEARS LIMITED→ 08102100 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| AFFORDABLE MORTGAGES LIMITED→ 16095242 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AFZAL INVESTMENT MANAGEMENT LTD→ 09022890 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| AG GARRANT LIMITED→ 01147223 · est 1973 · no financials extracted | — | — | — | — | 52y | — | — |
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
Incorporated2023-01-18
Jurisdictionengland-wales
Primary SIC99999 — SIC 99999
Registered office
18 The Bridge Business Centre
Beresford Way
Chesterfield
Derbyshire
S41 9FG
United Kingdom
Filing status
Accounts
Next due: 2027-10-31
Last made up to: 2026-01-31
Confirmation statement
Next due: 2027-01-31
Last: 2026-01-17
Officers (2 active · 0 resigned)
COTTAM, Keith Robin→
Activedirector · ~64y · appointed 2023-01-18
View their other companies + combined net worth →
MARLOW, Richard William→
Activedirector · ~57y · appointed 2023-01-18
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (17 total)
accounts-with-accounts-type-dormant
accounts · AA
2026-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-19
change-person-director-company-with-change-date
officers · CH01
2025-12-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-15
certificate-change-of-name-company
change-of-name · CERTNM
2025-05-08
change-of-name-notice
change-of-name · CONNOT
2025-05-08
accounts-with-accounts-type-dormant
accounts · AA
2025-04-24
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-21
accounts-with-accounts-type-dormant
accounts · AA
2024-05-15
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-06
change-person-director-company-with-change-date
officers · CH01
2024-02-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-02-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-01-23
change-person-director-company-with-change-date
officers · CH01
2024-01-23
change-person-director-company-with-change-date
officers · CH01
2024-01-23