ACCENT FINANCE LIMITED
🌳Matureactive
00968350 · ltd · incorporated 1969-12-15
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£1.02M
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 66-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (83/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
6 live charges · 3 lenders · oldest 44.8y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 44.8 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 4 with DOB)
86
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
106 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £1,018,592
Very low cash
Cash position: £11
Cash YoY
+0%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£11
~ YoY
Net Worth
£1.0m
↑ 14% YoY
Current Assets
£79k
↓ 12% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Total assets | £1.82M | £1.72M |
| Current assets | £78.6k | £89.3k |
| Cash | £11 | £11 |
| Debtors | £78.6k | £89.3k |
| Net assets | £1.02M | £891.8k |
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
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2025-09-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-09-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-09-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-07-16📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-02-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-06-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-03-05📄change-person-director-company-with-change-dateofficers · CH01
- 2020-09-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-06-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-06-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-06-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-06-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-03-08📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-06-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-02-10📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2012-07-23🔒Charge registered #6Lender: Lloyds Tsb Bank PLC
- 2012-07-17🔒Charge registered #5Lender: Lloyds Tsb Bank PLC
- 2010-11-01➕TANSER, Mark David appointeddirector
- 2010-06-07➖TANSER, June resigneddirector
- 2007-11-03🔓Charge satisfied #3
- 2007-11-03🔓Charge satisfied #2
- 2007-10-26🔒Charge registered #4Lender: National Westminster Bank PLC
- 2006-05-05➕TANSER, Julian Paul appointeddirector
- 2005-01-07➖TANSER, Peter Harry Edward resigneddirector
- 1989-01-13🔓Charge satisfied #1
- 1984-08-13🔒Charge registered #3Lender: Midland Bank PLC
- 1984-03-30🔒Charge registered #2Lender: Midland Bank PLC
- 1981-08-19🔒Charge registered #1Lender: Midland Bank PLC
- 1969-12-15🏢Company incorporatedAs ACCENT FINANCE LIMITED
Owner dependency
91/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 66 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
86/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 56 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
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Mark David Tanser Individual · British · DOB 11/1966 · age 60 | 25–50% | — | 25-50% shares | 01/01/2022 |
Mr Julian Paul Tanser Individual · British · DOB 08/1960 · age 66 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/10/2016 |
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 →Similar companies
Active · Property · DY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 3A PROPERTY LETTINGS LTD→ 16502204 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 5 STAR PROPERTIES 2021 LIMITED→ 13762764 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 7 HIGH HOLBOURNE LTD→ 15127882 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| A & A SMITH PROPERTIES LIMITED→ 14441386 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| A & A WALTERS INVESTMENTS LIMITED→ 13951951 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| A G HAWKINS LIMITED→ 11760472 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| A.A & SONS PROPERTY LTD→ 15701508 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A.G. GREGORY (PROPERTIES) LIMITED→ 01929808 · est 1985 · no financials extracted | — | — | — | — | 40y | — | — |
| AAC DEVELOPMENTS (MIDLANDS) LTD→ 15880146 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AAI AZIZ HOLDINGS LTD→ 13265327 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ABP PROPERTY HOLDINGS LTD→ 15576011 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ACCURATE IMAGING LIMITED→ 12465229 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated1969-12-15
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Anglo House
Worcester Road
Stourport-On-Severn
Worcestershire
DY13 9AW
Filing status
Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2027-01-14
Last: 2025-12-31
Officers (3 active · 2 resigned)
Active
TANSER, Julian Paul→
Activedirector · ~66y · appointed 2006-05-05
View their other companies + combined net worth →
TANSER, Mark David→
Activedirector · ~60y · appointed 2010-11-01
View their other companies + combined net worth →
TANSER, June→
Resigneddirector · ~95y · resigned 2010-06-07
TANSER, Peter Harry Edward→
Resigneddirector · ~96y · resigned 2005-01-07
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
3
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 23/07/2012 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 2 properties | 17/07/2012 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 26/10/2007 | — | |
| satisfied | Midland Bank Midland Bank PLC | Charge | 1 property | 13/08/1984 | 03/11/2007 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 30/03/1984 | 03/11/2007 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 2 properties | 19/08/1981 | 13/01/1989 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (106 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-24
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-09-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-14
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-07-16
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-02-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-04
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-05
change-person-director-company-with-change-date
officers · CH01
2021-03-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-02-03