MITREFINCH LIMITED
🌳Matureactive
01326934 · ltd · incorporated 1977-08-24
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
66/100
Strong
What this business does
Primary activity: Business and domestic software development
Sector: Information & communication
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 66/100 (strong), bankability 77/100. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
9 live charges · 6 lenders · oldest 18.5y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 18.5 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)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
No iXBRL financials extracted
0
Lenders & charges
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
19 officers (3 active, 19 linked, 14 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
15 connected companies via shared directors
90
Filing history
180 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
66/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
59
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
5
filings
- • 2 accounts
- • 2 other
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (72 events)Click to expand
- 2025-12-18📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-12-02📄legacyaccounts · PARENT_ACC
- 2025-12-02📄legacyother · GUARANTEE2
- 2025-12-02📄legacyother · AGREEMENT2
- 2025-03-31📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-03-12📄legacyaccounts · PARENT_ACC
- 2025-03-12📄legacyother · GUARANTEE2
- 2025-03-12📄legacyother · AGREEMENT2
- 2025-02-06📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2025-02-06📄legacycapital · SH20
- 2025-02-06⚠️legacyinsolvency · CAP-SS
- 2025-02-06📄resolutionresolution · RESOLUTIONS
- 2025-02-06📄second-filing-capital-allotment-sharescapital · RP04SH01
- 2025-02-05📄capital-allotment-sharescapital · SH01
- 2024-08-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-01🔓Charge satisfied #9
- 2024-02-10📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-02-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-08🔓Charge satisfied #6
- 2024-01-08📄resolutionresolution · RESOLUTIONS
- 2024-01-07📄legacyaccounts · PARENT_ACC
- 2024-01-07📄legacyother · GUARANTEE2
- 2024-01-07📄legacyother · AGREEMENT2
- 2023-07-05➖WILSON, Gordon James resigneddirector
- 2023-07-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-06-09➕DEWS, Stephen Eric appointeddirector
- 2023-06-09➕WALSH, Simon David appointeddirector
- 2023-02-10➖KERR, Richard James resigneddirector
- 2022-09-09🔒Charge registered #9Lender: Morgan Stanley Senior Funding, Inc. as the International Security Agent
- 2022-04-26➕ASPELL, Jayne Louise appointedsecretary
- 2022-04-26➖SHAW, Natalie Amanda resignedsecretary
- 2022-02-01➖HICKS, Andrew William resigneddirector
- 2022-02-01➕KERR, Richard James appointeddirector
- 2020-11-05➖JEFFERSON, Ian David resigneddirector
- 2020-11-05➖JENKINS, Matthew Ronald resigneddirector
- 2020-10-26🔓Charge satisfied #8
- 2020-10-26🔓Charge satisfied #7
- 2020-10-26🔓Charge satisfied #5
- 2020-10-26🔓Charge satisfied #4
- 2020-10-15➕SHAW, Natalie Amanda appointedsecretary
- 2020-10-15➕HICKS, Andrew William appointeddirector
- 2020-10-15➕WILSON, Gordon James appointeddirector
- 2020-10-12🔓Charge satisfied #2
- 2020-09-30🔓Charge satisfied #3
- 2018-06-04➖BOYES, Gary David resigneddirector
- 2018-03-23➕JENKINS, Matthew Ronald appointeddirector
- 2018-03-23➖PATEL, Anil resigneddirector
- 2017-09-19➖GUPPY, Debora-Jane resigneddirector
- 2017-09-07➕BOYES, Gary David appointeddirector
- 2017-09-07➕JEFFERSON, Ian David appointeddirector
Showing most recent 50 of 72 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 high · 1 med ·1 insolvency-related filing on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2025-02-06: legacy
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Mitrefinch Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Mitrefinch Holdings Ltd
Corporate parent · holds 75-100% shares · board control
⬇
MITREFINCH LIMITED
This company · 01326934
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 |
|---|---|---|---|---|
Mitrefinch Holdings Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 21/10/2016 |
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.
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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
Incorporated1977-08-24
Jurisdictionengland-wales
Primary SIC62012 — Business and domestic software development
Registered office
The Mailbox Level 3
101 Wharfside Street
Birmingham
B1 1RF
United Kingdom
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-01-27
Last: 2026-01-13
Officers (3 active · 16 resigned)
ASPELL, Jayne Louise→
Activesecretary · appointed 2022-04-26
View their other companies + combined net worth →
DEWS, Stephen Eric→
Activedirector · ~51y · appointed 2023-06-09
View their other companies + combined net worth →
WALSH, Simon David→
Activedirector · ~55y · appointed 2023-06-09
View their other companies + combined net worth →
SHAW, Natalie Amanda→
Resignedsecretary · appointed 2020-10-15 · resigned 2022-04-26
SHEPHARD, Richard→
Resignedsecretary · resigned 1993-04-28
SIMPSON, Sally-Anne→
Resignedsecretary · appointed 2007-11-30 · resigned 2016-10-20
SIMPSON JNR, Andrew George→
Resignedsecretary · appointed 1993-04-28 · resigned 2007-11-30
BOYES, Gary David→
Resigneddirector · ~57y · appointed 2017-09-07 · resigned 2018-06-04
GUPPY, Debora-Jane→
Resigneddirector · ~55y · appointed 2016-10-20 · resigned 2017-09-19
HICKS, Andrew William→
Resigneddirector · ~51y · appointed 2020-10-15 · resigned 2022-02-01
JEFFERSON, Ian David→
Resigneddirector · ~56y · appointed 2017-09-07 · resigned 2020-11-05
JENKINS, Matthew Ronald→
Resigneddirector · ~47y · appointed 2018-03-23 · resigned 2020-11-05
KERR, Richard James→
Resigneddirector · ~52y · appointed 2022-02-01 · resigned 2023-02-10
PATEL, Anil→
Resigneddirector · ~63y · appointed 2016-10-20 · resigned 2018-03-23
SIMPSON, Donald Ian→
Resigneddirector · ~62y · resigned 2000-06-01
SIMPSON, Sally-Anne→
Resigneddirector · ~63y · appointed 2007-11-30 · resigned 2016-10-20
SIMPSON JNR, Andrew George→
Resigneddirector · ~63y · resigned 2016-10-20
SIMPSON SNR, Andrew George→
Resigneddirector · ~87y · resigned 2007-11-30
WILSON, Gordon James→
Resigneddirector · ~66y · appointed 2020-10-15 · resigned 2023-07-05
Click a director name to see their full track record across all companies.
Mortgages & charges
9
Total charges
0
Outstanding
0
Active lenders
Status:Lender:9 of 9 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Morgan Stanley Senior Funding, . as the International Security Agent Morgan Stanley Senior Funding, Inc. as the International Security Agent | A registered charge | — | 09/09/2022 | 01/08/2024 | |
| satisfied | Silicon Valley Bank | A registered charge | — | 15/03/2017 | 26/10/2020 | |
| satisfied | Ldc (Managers) (as Agent and Trustee for the Secured Parties) Ldc (Managers) Limited (as Agent and Trustee for the Secured Parties) | A registered charge | 1 property | 15/03/2017 | 26/10/2020 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 30/11/2016 | 08/02/2024 | |
| satisfied | Ldc (Managers) Ldc (Managers) Limited | A registered charge | 1 property | 20/10/2016 | 26/10/2020 | |
| satisfied | Silicon Valley Bank | A registered charge | 1 property | 20/10/2016 | 26/10/2020 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 20/11/2013 | 30/09/2020 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 26/04/2011 | 12/10/2020 | |
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 30/11/2007 | 14/07/2009 |
Recent filings (180 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-13
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-12-18
legacy
accounts · PARENT_ACC
2025-12-02
legacy
other · GUARANTEE2
2025-12-02
legacy
other · AGREEMENT2
2025-12-02
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-03-31
legacy
accounts · PARENT_ACC
2025-03-12
legacy
other · GUARANTEE2
2025-03-12
legacy
other · AGREEMENT2
2025-03-12
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2025-02-06
legacy
capital · SH20
2025-02-06
legacy
insolvency · CAP-SS
2025-02-06
resolution
resolution · RESOLUTIONS
2025-02-06
second-filing-capital-allotment-shares
capital · RP04SH01
2025-02-06
capital-allotment-shares
capital · SH01
2025-02-05