KELPIE MORTGAGES AND PROTECTION LTD
Opportunity 68/100 (strong), bankability 70/100. 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).
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-02-28 | 2024-02-28 |
|---|---|---|
| Total assets | £67 | £1.9k |
| Current assets | £6.2k | £5.6k |
| Cash | £1.0k | — |
| Debtors | £5.1k | — |
| Net assets | £67 | £632 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (7 events)Click to expand
- 2025-11-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-17✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-11-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-02-08🏢Company incorporatedAs KELPIE MORTGAGES AND PROTECTION LTD
- 2023-02-08➕RAWDING, Claire Kathleen Elizabeth appointeddirector
- 2023-02-08📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med ·Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-02-17: certificate-change-of-name-company
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Claire Kathleen Elizabeth Rawding Individual · British · DOB 09/1974 · age 52 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 08/02/2023 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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8 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 →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
Registered office
Filing status
Officers (1 active · 0 resigned)
Click a director name to see their full track record across all companies.