ATMOS FINANCIAL SOLUTIONS LTD
- 65110Life insurance
- 66220Activities of insurance agents and brokers
Opportunity 70/100 (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 (69/100)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
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2024-09-30 |
|---|---|
| Total assets | £10.7k |
| Current assets | £10.7k |
| Cash | £10.7k |
| Net assets | £10.7k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Corporate timeline (4 events)Click to expand
- 2025-01-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-28🏢Company incorporatedAs ATMOS FINANCIAL SOLUTIONS LTD
- 2023-09-28➕MUNRO, Barry John appointeddirector
- 2023-09-28📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Young company: Only 2.6 years old — management layer unlikely to be developed.
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
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Barry John Munro Individual · British · DOB 12/1984 · age 42 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 28/09/2023 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · ML postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ANNIE DUNCAN LTD.→ SC289895 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ARCHIBALD MACINNES AND COMPANY LIMITED→ SC031316 · est 1956 · no financials extracted | — | — | — | — | 70y | — | — |
| ARROWHEAD FINANCIAL LTD→ SC702070 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BRADLEY FINANCIAL PLANNING LTD→ SC573878 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CALEDONIA CAPITAL LIMITED→ SC719417 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CJ FINANCIAL MANAGEMENT LIMITED→ SC876542 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CJ JACKSON LTD→ SC880550 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CJS MORTGAGE & PROTECT LTD→ SC875524 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CLYDE FINANCIAL LTD→ SC764315 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CLYDEVALLEY FINANCIAL SOLUTIONS LIMITED→ SC336573 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| COLLINS FINANCIAL LTD.→ SC589497 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| CRAIG JOHNSTON ASSET MANAGEMENT LIMITED→ SC253561 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
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.