AGS INVESTMENTS (2023) LTD
🌿Early-stageactive
14612758 · ltd · incorporated 2023-01-24
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 2025
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Activities of open-ended investment companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 77/100 (strong), bankability 75/100. 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).
🏦
Refinance opportunity
1 live charge · oldest 1.0y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 1.0 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (81/100)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
5 connected companies via shared directors
60
Filing history
19 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
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
85
Few red flags.
Signal strength
100
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 | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Average employees | 0 | 0 |
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
3
filings
- • 2 persons-with-significant-control
- • 1 address
Last 180 days
4
filings
- • 2 persons-with-significant-control
- • 1 address
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2026-03-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-06-17📄memorandum-articlesincorporation · MA
- 2025-06-11📄resolutionresolution · RESOLUTIONS
- 2025-06-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-06-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-06-09📄capital-allotment-sharescapital · SH01
- 2025-06-09📄capital-allotment-sharescapital · SH01
- 2025-05-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-27🔒Charge registered #1Lender: Hsbc UK Bank PLC
- 2025-04-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-12-01➕SCOTT, Susan Jane appointeddirector
- 2024-04-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-06-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-01-24🏢Company incorporatedAs AGS INVESTMENTS (2023) LTD
- 2023-01-24➕SCOTT, Andrew Gordon appointeddirector
- 2023-01-24📄incorporation-companyincorporation · NEWINC
Owner dependency
74/100
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 63 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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 63. Approaching typical UK retirement age — succession thinking likely.
- 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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Susan Jane Scott Individual · British · DOB 01/1968 · age 58 | 50–75% | — | 50-75% shares · trust interest | 30/05/2025 |
Mr Andrew Gordon Scott Individual · British · DOB 03/1963 · age 63 | 50–75% | 75–100% | board control75-100% shares · 75-100% voting · board control · trust interest | 24/01/2023 |
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 · Financial services · TN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AIMS FINANCIAL LIMITED→ 03379937 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
| ALBION BUSINESS CREDIT LIMITED→ 11341631 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ALEXANDER JAMES FINANCIAL PLANNING LIMITED→ 07887927 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ALLCLOUT UK LTD→ 12570216 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AMG CAPITAL PARTNERS LIMITED→ 04177241 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
| ANDROMEDA CONSULTING LTD→ 16012544 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ANITA M BROWN LTD→ 16912707 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ANNING FINANCIAL MANAGEMENT LIMITED→ 04750907 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| APHELION CAPITAL LTD→ 16257737 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ARFAM INVESTMENT COMPANY LIMITED→ 16134143 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARGONATH LIMITED→ 12884180 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ARKITEMPO LIMITED→ 11893020 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2023-01-24
Jurisdictionengland-wales
Primary SIC64304 — Activities of open-ended investment companies
Registered office
71 London Road
Sevenoaks
Kent
TN13 1AX
England
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-01-01
Last: 2025-12-18
Officers (2 active · 0 resigned)
SCOTT, Andrew Gordon→
Activedirector · ~63y · appointed 2023-01-24
View their other companies + combined net worth →
SCOTT, Susan Jane→
Activedirector · ~58y · appointed 2024-12-01
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
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 27/05/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (19 total)
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-14
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-03-13
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-18
memorandum-articles
incorporation · MA
2025-06-17
resolution
resolution · RESOLUTIONS
2025-06-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-06-09
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-06-09
capital-allotment-shares
capital · SH01
2025-06-09
capital-allotment-shares
capital · SH01
2025-06-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-30
appoint-person-director-company-with-name-date
officers · AP01
2024-12-04
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-19