H&H FINANCE LIMITED

💤Zombieactive
00938261 · ltd · incorporated 1968-09-04
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 Jun 2025
Net worth
£1.0k
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 28.1y

30/100
under pressure

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

  • · Oldest live charge is 28.1 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (75/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
17 officers (2 active, 17 linked, 13 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
133 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
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 · accounting standard not declared
Positive net assets
Net assets £1,000

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
£1k
Current Assets
£3k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-06-30
Total assets£1.0k
Current assets£2.6k
Net assets£1.0k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (46 events)Click to expand
  1. 2026-03-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-03-03
    📄
    accounts-with-accounts-type-small
    accounts · AA
  3. 2024-03-26
    📄
    accounts-with-accounts-type-small
    accounts · AA
  4. 2024-01-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2023-04-11
    📄
    accounts-with-accounts-type-small
    accounts · AA
  6. 2022-03-15
    📄
    accounts-with-accounts-type-small
    accounts · AA
  7. 2021-04-06
    📄
    accounts-with-accounts-type-small
    accounts · AA
  8. 2020-03-09
    📄
    accounts-with-accounts-type-small
    accounts · AA
  9. 2019-03-25
    📄
    accounts-with-accounts-type-small
    accounts · AA
  10. 2018-07-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2018-07-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2018-07-02
    ➕
    RANKIN, Richard Andrew appointed
    director
  13. 2018-06-30
    ➖
    RICHARDSON, Brian Edmund resigned
    director
  14. 2018-03-20
    📄
    accounts-with-accounts-type-full
    accounts · AA
  15. 2017-03-30
    📄
    accounts-with-accounts-type-full
    accounts · AA
  16. 2016-03-16
    📄
    accounts-with-accounts-type-full
    accounts · AA
  17. 2015-11-11
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  18. 2014-12-22
    ➖
    RADCLIFFE, Allan resigned
    director
  19. 2014-03-31
    ➖
    CARRUTHERS, David resigned
    director
  20. 2014-03-31
    ➖
    DEANS, Michael Grant resigned
    director
  21. 2012-06-30
    ➖
    PORTER, Margaret resigned
    director
  22. 2010-01-01
    ➕
    DEANS, Michael Grant appointed
    director
  23. 2008-07-15
    🔓
    Charge satisfied #1
  24. 2008-06-01
    ➕
    RICHARDSON, Brian Edmund appointed
    director
  25. 2008-05-31
    ➖
    HEBDON, Trevor resigned
    director
  26. 2008-01-31
    🔒
    Charge registered #2
    Lender: Clydesdale Bank PLC
  27. 2003-12-17
    ➕
    IRVING, Margaret appointed
    secretary
  28. 2003-12-17
    ➖
    LAWRENCE, John Frank resigned
    secretary
  29. 2003-12-17
    ➖
    LAWRENCE, John Frank resigned
    director
  30. 2001-09-19
    ➕
    PORTER, Margaret appointed
    director
  31. 2001-04-01
    ➕
    LAWRENCE, John Frank appointed
    secretary
  32. 2001-01-24
    ➖
    JACKSON, Robert Crawford resigned
    secretary
  33. 2001-01-24
    ➖
    JACKSON, Robert Crawford resigned
    director
  34. 1999-10-05
    ➕
    LAWRENCE, John Frank appointed
    director
  35. 1999-07-29
    ➕
    RADCLIFFE, Allan appointed
    director
  36. 1999-01-26
    ➕
    HEBDON, Trevor appointed
    director
  37. 1999-01-22
    ➖
    THOMLINSON, David Joseph resigned
    director
  38. 1998-04-16
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  39. 1997-12-15
    ➕
    CARRUTHERS, David appointed
    director
  40. 1994-09-28
    ➖
    HESLOP, Isaac James resigned
    director
  41. 1994-08-31
    ➖
    HOLDSWORTH, John resigned
    director
  42. 1994-06-01
    ➕
    JACKSON, Robert Crawford appointed
    secretary
  43. 1994-06-01
    ➕
    JACKSON, Robert Crawford appointed
    director
  44. 1994-05-31
    ➖
    MORTON, John Workman resigned
    secretary
  45. 1994-05-31
    ➖
    MORTON, John Workman resigned
    director
  46. 1968-09-04
    🏢
    Company incorporated
    As H&H FINANCE LIMITED

Owner dependency

75/100
High — earn-out structure required

Material 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

55/100
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.
  • secondaryStable-but-static management: Company is 58 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

H&H Group Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
H&H Group Plc
Corporate parent · holds 75-100% shares
ultimate parent
⬇
H&H FINANCE LIMITED
This company · 00938261

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
H&H Group Plc
Corporate entity
75–100%
—75-100% shares06/04/2016

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 →

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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
Incorporated1968-09-04
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.

Registered office

Borderway Mart
Rosehill Estate
Carlisle
CA1 2RS

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-11-03
Last: 2025-10-20

Officers (2 active · 15 resigned)

IRVING, Margaret→
secretary · appointed 2003-12-17
View their other companies + combined net worth →
Active
RANKIN, Richard Andrew→
director · ~53y · appointed 2018-07-02
View their other companies + combined net worth →
Active
JACKSON, Robert Crawford→
secretary · appointed 1994-06-01 · resigned 2001-01-24
Resigned
LAWRENCE, John Frank→
secretary · appointed 2001-04-01 · resigned 2003-12-17
Resigned
MORTON, John Workman→
secretary · resigned 1994-05-31
Resigned
CARRUTHERS, David→
director · ~69y · appointed 1997-12-15 · resigned 2014-03-31
Resigned
DEANS, Michael Grant→
director · ~56y · appointed 2010-01-01 · resigned 2014-03-31
Resigned
HEBDON, Trevor→
director · ~72y · appointed 1999-01-26 · resigned 2008-05-31
Resigned
HESLOP, Isaac James→
director · ~98y · resigned 1994-09-28
Resigned
HOLDSWORTH, John→
director · ~95y · resigned 1994-08-31
Resigned
JACKSON, Robert Crawford→
director · ~78y · appointed 1994-06-01 · resigned 2001-01-24
Resigned
LAWRENCE, John Frank→
director · ~86y · appointed 1999-10-05 · resigned 2003-12-17
Resigned
MORTON, John Workman→
director · ~104y · resigned 1994-05-31
Resigned
PORTER, Margaret→
director · ~78y · appointed 2001-09-19 · resigned 2012-06-30
Resigned
RADCLIFFE, Allan→
director · ~75y · appointed 1999-07-29 · resigned 2014-12-22
Resigned
RICHARDSON, Brian Edmund→
director · ~66y · appointed 2008-06-01 · resigned 2018-06-30
Resigned
THOMLINSON, David Joseph→
director · ~80y · resigned 1999-01-22
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank PLC
Debenture1 property31/01/2008—
satisfied
Barclays
Barclays Bank PLC
Debenture1 property16/04/199815/07/2008
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (133 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-03
accounts-with-accounts-type-small
accounts · AA
2025-03-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-31
accounts-with-accounts-type-small
accounts · AA
2024-03-26
change-person-director-company-with-change-date
officers · CH01
2024-01-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-23
accounts-with-accounts-type-small
accounts · AA
2023-04-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-28
accounts-with-accounts-type-small
accounts · AA
2022-03-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-23
accounts-with-accounts-type-small
accounts · AA
2021-04-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-29
accounts-with-accounts-type-small
accounts · AA
2020-03-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-22