MACCAPITAL FINANCE LIMITED

💤Zombieactive
01267885 · ltd · incorporated 1976-07-09
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 Mar 2025
Net worth
£1.3k
book net assets
Opportunity
79/100
Strong
🔔
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What this business does
Primary activity: Financial leasing
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 69-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (68/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · oldest 49.6y

45/100
under pressure

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

  • · Oldest live charge is 49.6 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (79/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
10 officers (1 active, 10 linked, 7 with DOB)
84
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
131 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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
70
Strong succession / seller-readiness signals.
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 £1,250
Net assets shrinking
Down £4,526 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£1k
↓ 78% YoY
Current Assets
£28k
↓ 52% YoY
Current Liabilities
—
£0£12k£23k£35k£47k£58kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£21.5k£33.2k
Current assets£28.1k£58.5k
Net assets£1.3k£5.8k

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

🔒Filing-note intelligence

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

Last 30 days
1
filing
  • • 1 confirmation-statement
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
  1. 2025-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-10-29
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-10-29
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2025-10-29
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2025-10-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2025-10-28
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2025-10-28
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2025-10-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2025-03-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2023-12-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2023-08-11
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  12. 2023-08-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2023-08-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2022-10-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2021-07-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2020-10-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2019-12-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2016-07-29
    ➖
    MCKEAND, Iain Urquhart resigned
    director
  19. 2015-06-25
    ➕
    MCKEAND, Iain Urquhart appointed
    director
  20. 2015-06-25
    ➖
    NEWMAN, Robert David resigned
    director
  21. 2014-09-02
    ➕
    NEWMAN, Robert David appointed
    director
  22. 2014-09-01
    ➖
    NEWMAN, Robert resigned
    director
  23. 2014-01-10
    ➖
    BULPITT CROCKER TAXATION LIMITED resigned
    corporate-secretary
  24. 2014-01-10
    ➕
    NEWMAN, Robert appointed
    director
  25. 2013-01-14
    ➕
    NICHOLSON, Barry appointed
    director
  26. 2013-01-14
    ➖
    BROWN, Michael John resigned
    secretary
  27. 2013-01-14
    ➕
    BULPITT CROCKER TAXATION LIMITED appointed
    corporate-secretary
  28. 2013-01-14
    ➖
    LEACH, Julian Paul resigned
    director
  29. 2006-08-16
    ➖
    SOPHER, Jon Andrew Victor resigned
    director
  30. 2003-07-31
    ➖
    FRY, Malcolm George resigned
    secretary
  31. 2003-07-31
    ➖
    FRY, Malcolm George resigned
    director
  32. 2003-07-10
    ➕
    BROWN, Michael John appointed
    secretary
  33. 2003-07-10
    ➕
    SOPHER, Jon Andrew Victor appointed
    director
  34. 1978-02-01
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  35. 1976-10-15
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  36. 1976-07-09
    🏢
    Company incorporated
    As MACCAPITAL FINANCE LIMITED

Owner dependency

90/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Founder age: Director aged approximately 69 — succession pressure is live.

Succession & seller-readiness

88/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 13 years.
  • secondaryStable-but-static management: Company is 50 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

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

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Gillian Nicholson
Individual · British · DOB 04/1963 · age 63
25–50%
25–50%board control25-50% shares · 25-50% voting · board control28/04/2022
Mr Barry Nicholson
Individual · British · DOB 10/1957 · age 69
25–50%
25–50%board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence06/04/2016

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

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
Incorporated1976-07-09
Jurisdictionengland-wales
Primary SIC64910 — Financial leasing

Registered office

Highbank
1 Barton Close
Bideford
Devon
EX39 4GG
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-05-13
Last: 2026-04-29

Officers (1 active · 9 resigned)

NICHOLSON, Barry→
director · ~69y · appointed 2013-01-14
View their other companies + combined net worth →
Active
BROWN, Michael John→
secretary · appointed 2003-07-10 · resigned 2013-01-14
Resigned
FRY, Malcolm George→
secretary · resigned 2003-07-31
Resigned
BULPITT CROCKER TAXATION LIMITED→
corporate-secretary · appointed 2013-01-14 · resigned 2014-01-10
Resigned
FRY, Malcolm George→
director · ~81y · resigned 2003-07-31
Resigned
LEACH, Julian Paul→
director · ~73y · resigned 2013-01-14
Resigned
MCKEAND, Iain Urquhart→
director · ~63y · appointed 2015-06-25 · resigned 2016-07-29
Resigned
NEWMAN, Robert David→
director · ~52y · appointed 2014-09-02 · resigned 2015-06-25
Resigned
NEWMAN, Robert→
director · ~54y · appointed 2014-01-10 · resigned 2014-09-01
Resigned
SOPHER, Jon Andrew Victor→
director · ~61y · appointed 2003-07-10 · resigned 2006-08-16
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Barclays
Barclays Bank PLC
Guarantee & debenture1 property01/02/1978—
outstanding
Barclays
Barclays Bank PLC
Legal charge1 property15/10/1976—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (131 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-29
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-29
change-person-director-company-with-change-date
officers · CH01
2025-10-29
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-29
change-person-director-company-with-change-date
officers · CH01
2025-10-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-28
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-29
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-31
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-29
change-person-director-company-with-change-date
officers · CH01
2023-12-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-08-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-08-11