AMI FINANCIAL SOLUTIONS LIMITED
💤Zombieactive
SC533818 · ltd · incorporated 2016-04-27
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 Oct 2024
Net worth
£41.9k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (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 8.5y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 8.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (73/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (1 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
33 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £41,876
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
£42k
Current Assets
£20k
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-10-31 |
|---|---|
| Total assets | £105.6k |
| Current assets | £20.1k |
| Net assets | £41.9k |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2025-04-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-01-15📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2024-08-28📄change-person-director-company-with-change-dateofficers · CH01
- 2024-08-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-08-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-01-08📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-03-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-03-07➖MOORE, Alison Ann resigneddirector
- 2023-01-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-08-25📄change-person-director-company-with-change-dateofficers · CH01
- 2022-08-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-08-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-08-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-01-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-01-21➖PADARUTH, Jennifer resigneddirector
- 2021-05-20📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-04-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-01-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-05-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-05-01➕MOORE, Alison Ann appointeddirector
- 2018-05-01➕PADARUTH, Jennifer appointeddirector
- 2017-11-09🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2016-04-27🏢Company incorporatedAs AMI FINANCIAL SOLUTIONS LIMITED
- 2016-04-27➕PADARUTH, Paul Gian appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Paul Padaruth Individual · British · DOB 09/1980 · age 46 | 75–100% | — | 75-100% shares | 06/04/2017 |
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 · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALL NAMES TAKEN LTD→ SC677738 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AMANA TRANSFER LTD→ SC869992 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AML ASSOCIATES FINANCIAL SERVICES LTD.→ SC238338 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ANISON LTD→ SC327325 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| ARC MORTGAGE SOLUTIONS LTD→ SC616999 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ARGYLE FINANCIAL SERVICES LIMITED→ SC314410 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| ARGYLE PRIVATE OFFICE LTD→ SC454493 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ARTHUR BEVERLY FINANCIAL MANAGEMENT LIMITED→ SC342744 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ASHLEY BAXTER LIMITED→ SC528892 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| AT P.I SOLUTIONS LTD→ SC791877 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BARNELLAN EQUITY ADVICE LTD.→ SC236353 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| BARWELL PLC→ SC142927 · est 1993 · no financials extracted | — | — | — | — | 33y | — | — |
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
Incorporated2016-04-27
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
1 Ravenstone Drive
Giffnock
Glasgow
G46 6AL
Scotland
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-05-09
Last: 2025-04-25
Officers (1 active · 2 resigned)
PADARUTH, Paul Gian→
Activedirector · ~46y · appointed 2016-04-27
View their other companies + combined net worth →
MOORE, Alison Ann→
Resigneddirector · ~69y · appointed 2018-05-01 · resigned 2023-03-07
PADARUTH, Jennifer→
Resigneddirector · ~44y · appointed 2018-05-01 · resigned 2022-01-21
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 | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 09/11/2017 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (33 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-16
change-account-reference-date-company-previous-extended
accounts · AA01
2025-01-15
change-person-director-company-with-change-date
officers · CH01
2024-08-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-08-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-08-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-25
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-01-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-26
termination-director-company-with-name-termination-date
officers · TM01
2023-03-16
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-01-18
change-person-director-company-with-change-date
officers · CH01
2022-08-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-08-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-08-24
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-08-24