GE COMMERCIAL FINANCE LIMITED
- · Oldest live charge 41.1y old — refinance window within 12 months
Opportunity 38/100 (watch), bankability 25/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: distressed disposal / insolvency (65/100). Current lenders should be on immediate intervention.
Refinance opportunity
1 live charge · oldest 41.1y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 41.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 50/100 (high).
Data confidence
Overall: medium (61/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Recent activity
- • 1 insolvency
- • 1 insolvency
Corporate timeline (138 events)Click to expand
- 2026-04-24⚠️liquidation-voluntary-members-return-of-final-meetinginsolvency · LIQ13
- 2025-11-24⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2025-05-02⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2025-05-02⚠️liquidation-voluntary-removal-of-liquidator-by-courtinsolvency · LIQ10
- 2024-11-27⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2023-11-28⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2022-11-30⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2021-11-23⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2020-12-07⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2019-10-17📍move-registers-to-sail-company-with-new-addressaddress · AD03
- 2019-10-17📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2019-10-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-10-16⚠️liquidation-voluntary-declaration-of-solvencyinsolvency · LIQ01
- 2019-10-16⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2019-10-16📄resolutionresolution · RESOLUTIONS
- 2019-08-15📍move-registers-to-registered-office-company-with-new-addressaddress · AD04
- 2019-05-02📄change-person-director-company-with-change-dateofficers · CH01
- 2019-04-30📄appoint-corporate-secretary-company-with-name-dateofficers · AP04
- 2019-04-18➕OAKWOOD CORPORATE SECRETARY LIMITED appointedcorporate-secretary
- 2019-02-18➕GIRLING, Paul Stewart appointeddirector
- 2019-02-18➖ROSS, Jennifer Anne resigneddirector
- 2019-02-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-02-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-02-04📄change-person-director-company-with-change-dateofficers · CH01
- 2018-10-22📄accounts-with-accounts-type-fullaccounts · AA
- 2018-10-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-09-30➖GREENWAY, Anthony William resigneddirector
- 2018-09-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-09-10➕GELDARD, Norris Andrew appointeddirector
- 2018-07-19➖PEERMOHAMED, Zahra resignedsecretary
- 2017-11-01➕PEERMOHAMED, Zahra appointedsecretary
- 2017-06-30➖FRENCH, Ann resignedsecretary
- 2017-05-10➕ROSS, Jennifer Anne appointeddirector
- 2017-04-28➖URIA FERNANDEZ, Manuel resigneddirector
- 2017-04-19➖DEL BEATO, Ilaria Jane resigneddirector
- 2017-04-19➖WRIGHT, Joanna Elizabeth resigneddirector
- 2017-04-18➕GREENWAY, Anthony William appointeddirector
- 2016-06-23➕URIA FERNANDEZ, Manuel appointeddirector
- 2016-04-01➖NEGLEN, Niclas Peter resigneddirector
- 2015-11-30➖SOPER, Myriam Rita resignedsecretary
- 2015-11-12➕WRIGHT, Joanna Elizabeth appointeddirector
- 2015-09-07➖FITZPATRICK, Hugh Alan Taylor resigneddirector
- 2015-07-02➕FITZPATRICK, Hugh Alan Taylor appointeddirector
- 2015-05-20➕SOPER, Myriam Rita appointedsecretary
- 2015-05-18➖ABBOTT, Courtenay resignedsecretary
- 2015-04-17➖FULLER, Neil Anthony resigneddirector
- 2014-10-07➕DEL BEATO, Ilaria Jane appointeddirector
- 2014-10-07➕NEGLEN, Niclas Peter appointeddirector
- 2014-03-31➖GUPTA, Rajesh resigneddirector
- 2013-03-31➖JENKINS, John Michael resigneddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 55 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
4 high ·Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2019-09-30
Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2020-05-24
Company is actively being wound up. Not a going concern.
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2026-04-24: liquidation-voluntary-members-return-of-final-meeting; 2025-11-24: liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-date
Group structure
Ge Capital Uk Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ge Capital Uk Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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11 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 (3 active · 57 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Mercantile Credit Co. . Mercantile Credit Co. LTD. | Specific charge on instalment credit agreements. | 1 property | 15/05/1985 | — |