ADAM WAREHAM ACTUARIAL CONSULTING LIMITED

💤Zombieactive
07200941 · ltd · incorporated 2010-03-24
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£275.5k
book net assets
Opportunity
77/100
Strong
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What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 77/100 (strong), bankability 80/100. 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).

🏦

Refinance opportunity

1 live charge · oldest 8.6y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 8.6 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (77/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

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 (1 active, 2 linked, 1 with DOB)
80
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
52 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
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £275,543

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£276k
↑ 15% YoY
Current Assets
£184k
↑ 10% YoY
Current Liabilities
—
£0£55k£110k£165k£220k£276kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£278.8k£240.2k
Current assets£184.2k£166.7k
Net assets£275.5k£240.2k

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
2
filings
  • • 1 confirmation-statement
  • • 1 address
Last 90 days
2
filings
  • • 1 confirmation-statement
  • • 1 address
Last 180 days
3
filings
  • • 1 confirmation-statement
  • • 1 address
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2026-03-26
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2025-12-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2025-03-28
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  4. 2025-03-28
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  5. 2024-12-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2024-04-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2023-11-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2022-12-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2022-11-16
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2022-11-16
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  11. 2021-12-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2021-06-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2021-03-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2021-03-18
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2021-01-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2020-11-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2020-07-22
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2020-03-06
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  19. 2020-03-04
    ➖
    WORACHAROENSITH, Thitipat resigned
    secretary
  20. 2017-09-25
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  21. 2016-03-30
    ➕
    WORACHAROENSITH, Thitipat appointed
    secretary
  22. 2010-03-24
    🏢
    Company incorporated
    As ADAM WAREHAM ACTUARIAL CONSULTING LIMITED
  23. 2010-03-24
    ➕
    WAREHAM, Adam Brian appointed
    director

Owner dependency

100/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Founder name in company name: Company name contains director surname "WAREHAM" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

68/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 16 years.
  • secondaryStable-but-static management: Company is 16 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr Adam Brian Wareham
Individual · British · DOB 01/1976 · age 50
50–75%
50–75%50-75% shares · 50-75% voting06/04/2016
Mr Pei Chuen Loo
Individual · Malaysian · DOB 06/1985 · age 41
25–50%
25–50%25-50% shares · 25-50% voting30/03/2022
1 historic (ceased) PSC
  • Pei Chuen Looceased 30/03/2022· 25-50% shares · 25-50% voting

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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———————
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
Incorporated2010-03-24
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

15 Stanley Hill Avenue
Amersham
HP7 9BD
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-07
Last: 2026-03-24

Officers (1 active · 1 resigned)

WAREHAM, Adam Brian→
director · ~50y · appointed 2010-03-24
View their other companies + combined net worth →
Active
WORACHAROENSITH, Thitipat→
secretary · appointed 2016-03-30 · resigned 2020-03-04
Resigned

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
TypeProperties
outstanding
Lloyds Banking Group
Lloyds Bank PLC
A registered charge—25/09/2017—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (52 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-03-26
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-22
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-28
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-03-28
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-28
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-18
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-25
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-27
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-24
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-16
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-11-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-25