ALBAN MARSHALL FINANCE LIMITED

🌳Matureactive
01411240 · ltd · incorporated 1979-01-24
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
73/100
Strong
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 73/100 (strong), bankability 57/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 14 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: family or management succession (50/100).

🏦

Refinance opportunity

57 live charges · 14 lenders · oldest 41.1y

25/100
too messy

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.
  • · 14 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

Data confidence

Overall: high (82/100)

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
57 charges (57/57 with lender, 57/57 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 7 with DOB)
88
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
222 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees100100

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

🔒Filing-note intelligence

2 signals 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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (124 events)Click to expand
  1. 2025-11-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-07-01
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  3. 2024-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-06-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2024-06-01
    ➕
    MATTHEWS, Lee appointed
    director
  6. 2023-12-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-04-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-04-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-10-28
    ➖
    MATTHEWS, Lee resigned
    director
  11. 2020-10-28
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2020-06-11
    📍
    move-registers-to-registered-office-company-with-new-address
    address · AD04
  13. 2019-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-12-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2018-12-13
    🔒
    Charge registered #57
    Lender: Barclays Security Trustee Limited
  16. 2018-12-07
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2018-12-05
    🔒
    Charge registered #56
    Lender: Barclays Security Trustee Limited
  18. 2018-09-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2017-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2016-11-16
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  21. 2015-08-07
    🔒
    Charge registered #55
    Lender: Nationwide Building Society
  22. 2015-08-07
    🔒
    Charge registered #54
    Lender: Nationwide Building Society
  23. 2015-07-29
    🔒
    Charge registered #53
    Lender: Nationwide Building Society
  24. 2015-07-29
    🔒
    Charge registered #52
    Lender: Nationwide Building Society
  25. 2015-07-29
    🔒
    Charge registered #51
    Lender: Nationwide Building Society
  26. 2015-07-29
    🔒
    Charge registered #50
    Lender: Nationwide Building Society
  27. 2015-07-07
    🔓
    Charge satisfied #41
  28. 2015-07-07
    🔓
    Charge satisfied #38
  29. 2015-07-07
    🔓
    Charge satisfied #29
  30. 2015-07-07
    🔓
    Charge satisfied #18
  31. 2015-07-07
    🔓
    Charge satisfied #17
  32. 2015-06-24
    🔓
    Charge satisfied #49
  33. 2015-06-24
    🔓
    Charge satisfied #40
  34. 2015-06-24
    🔓
    Charge satisfied #39
  35. 2015-06-24
    🔓
    Charge satisfied #36
  36. 2015-06-24
    🔓
    Charge satisfied #35
  37. 2015-06-24
    🔓
    Charge satisfied #34
  38. 2015-06-24
    🔓
    Charge satisfied #33
  39. 2015-06-24
    🔓
    Charge satisfied #32
  40. 2015-06-24
    🔓
    Charge satisfied #31
  41. 2015-06-24
    🔓
    Charge satisfied #30
  42. 2015-06-24
    🔓
    Charge satisfied #1
  43. 2015-06-24
    🔓
    Charge satisfied #28
  44. 2015-06-24
    🔓
    Charge satisfied #27
  45. 2015-06-24
    🔓
    Charge satisfied #26
  46. 2015-06-24
    🔓
    Charge satisfied #24
  47. 2015-06-24
    🔓
    Charge satisfied #25
  48. 2015-06-24
    🔓
    Charge satisfied #23
  49. 2015-06-24
    🔓
    Charge satisfied #22
  50. 2015-06-24
    🔓
    Charge satisfied #21
Showing most recent 50 of 124 events

Owner dependency

81/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 69 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

16/100
No succession signal

No meaningful acquirability indicators from public data.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — MATTHEWS, Lee (same surname) appointed 2024-06-01. Pattern consistent with intra-family handover.
  • primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 med · 1 low
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

16 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr David Alban Matthews
Individual · British · DOB 08/1957 · age 69
75–100%
75–100%board control75-100% shares · 75-100% voting · board control19/05/2016

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
Incorporated1979-01-24
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

73 Cornhill
London
EC3V 3QQ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-14
Last: 2025-06-30

Officers (3 active · 5 resigned)

MATTHEWS, David Alban→
secretary
View their other companies + combined net worth →
Active
MATTHEWS, David Alban→
director · ~69y
View their other companies + combined net worth →
Active
MATTHEWS, Lee→
director · ~46y · appointed 2024-06-01
View their other companies + combined net worth →
Active
ELSTER, Paul Graeme→
director · ~69y · appointed 1993-03-01 · resigned 2009-12-11
Resigned
MATTHEWS, Audrey Etta→
director · ~101y · resigned 2005-08-12
Resigned
MATTHEWS, Lee→
director · ~46y · appointed 2009-10-14 · resigned 2020-10-28
Resigned
PRESKY, Howard Mark→
director · ~68y · resigned 1993-03-01
Resigned
SOLMAN, Andrew Geoffrey→
director · ~61y · appointed 2007-03-07 · resigned 2009-10-14
Resigned

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

Mortgages & charges

57
Total charges
16
Outstanding
8
Active lenders
Status:Lender:57 of 57 shown
TypeProperties
outstanding
Barclays
Barclays Security Trustee Limited
A registered charge1 property13/12/2018—
outstanding
Barclays
Barclays Security Trustee Limited
A registered charge—05/12/2018—
outstanding
Nationwide
Nationwide Building Society
A registered charge—07/08/2015—
outstanding
Nationwide
Nationwide Building Society
A registered charge—07/08/2015—
outstanding
Nationwide
Nationwide Building Society
A registered charge—29/07/2015—
outstanding
Nationwide
Nationwide Building Society
A registered charge2 properties29/07/2015—
outstanding
Nationwide
Nationwide Building Society
A registered charge2 properties29/07/2015—
outstanding
Nationwide
Nationwide Building Society
A registered charge—29/07/2015—
satisfied
Leopold Joseph & Sons
Leopold Joseph & Sons Limited
Equitable charge1 property11/11/199924/06/2015
satisfied
Dunbar Bank
Dunbar Bank PLC
Legal charge3 properties01/02/199619/06/2015
satisfied
Dunbar Bank
Dunbar Bank PLC
Third party legal charge1 property01/05/199519/06/2015
satisfied
Dunbar Bank
Dunbar Bank PLC
Third party legal charge1 property01/10/199330/04/1994
satisfied
Dunbar Bank
Dunbar Bank PLC
Legal charge1 property25/08/199317/08/1994
satisfied
Dunbar Bank
Dunbar Bank PLC
Assignments of yearly rents2 properties25/08/199317/08/1994
satisfied
Dunbar Bank
Dunbar Bank PLC
Debenture1 property25/08/199317/08/1994
satisfied
Dunbar Bank
Dunbar Bank PLC
Third party legal charge1 property07/07/199306/12/1995
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Sub-mortgage1 property06/05/199207/07/2015
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Sub-mortgage1 property03/02/199224/06/2015
satisfied
Royal Trust Bank
Sub-charge1 property22/02/199124/06/2015
satisfied
Royal Trust Bank
Sub-charge1 property17/10/199007/07/2015
satisfied
Royal Trust Bank
Sub-charge1 property02/04/199007/10/1993
satisfied
Royal Trust Bank
Sub-charge1 property25/09/198924/06/2015
satisfied
Royal Trust Bank
Sub-charge1 property25/09/198924/06/2015
satisfied
Royal Trust Bank
Security assignment1 property16/06/198924/06/2015
satisfied
Royal Trust Bank
Security assignment1 property16/06/198924/06/2015
satisfied
Royal Trust Bank
Sub-charge1 property16/06/198924/06/2015
satisfied
Royal Trust Bank
Sub charge1 property16/06/198924/06/2015
satisfied
Royal Trust Bank
Sub charge1 property16/06/198924/06/2015
satisfied
Royal Trust Bank
Sub charge1 property16/06/198924/06/2015
satisfied
Royal Trust Bank
Sub charge1 property31/03/198907/07/2015
satisfied
Royal Trust Bank
Sub charge1 property02/09/198824/06/2015
satisfied
Royal Trust Bank
Sub charge1 property09/08/198824/06/2015
satisfied
Craneheath Securities
Craneheath Securities Limited
Sub charge1 property02/08/198824/06/2015
satisfied
Royal Trust Bank
Sub charge1 property10/06/198824/06/2015
satisfied
Royal Trust Bank
Sub charge1 property01/06/198824/06/2015
satisfied
Royal Trust Bank
Sub charge1 property18/12/198724/06/2015
satisfied
Royal Trust Bank
Sub-charge1 property21/09/198724/06/2015
satisfied
Royal Trust Bank
Sub charge2 properties01/07/198724/06/2015
satisfied
Royal Trust Bank
Sub-charge1 property29/05/198724/06/2015
satisfied
Royal Trust Bank
Sub-charge1 property14/04/198724/06/2015
satisfied
Royal Trust Bank
Sub-charge1 property12/03/198707/07/2015
satisfied
Royal Trust Bank
Sub-charge1 property27/02/198707/07/2015
satisfied
Royal Trust Bank
Sub-charge1 property16/01/198713/02/1987
satisfied
Royal Trust Bank
Sub charge1 property28/11/198624/06/2015
satisfied
Royal Trust Bank
Sub-charge1 property22/07/198624/06/2015
satisfied
The Royal Trust Company of Canada
Sub charge2 properties22/05/198613/02/1987
satisfied
The Royal Trust Company of Canada
Sub charge1 property07/04/198624/06/2015
satisfied
The Royal Trust Company of Canada
Sub charge1 property14/03/198610/03/1987
outstanding
The Royal Trust Company Canada
Security assignment1 property07/03/1986—
outstanding
The Royal Trust Company Canada
Sub charge1 property06/12/1985—
outstanding
The Royal Trust Company Canada.
Sub charge1 property19/11/1985—
outstanding
American Express Bank
American Express Bank LTD
Sub-charge & assignment1 property01/10/1985—
outstanding
American Express Bank
American Express Bank LTD
Subcharge & assignment1 property26/09/1985—
outstanding
The Royal Trsut Company of Canada.
Sub charge1 property18/09/1985—
outstanding
The Royal Trust Company of Canada
Sub charge1 property18/09/1985—
satisfied
Bank Leumi (UK)
Bank Leumi (UK) PLC
Sub-mortgage1 property23/05/198524/06/2015
outstanding
American Express International Banking Corporation
Sub-charge & assignment1 property17/05/1985—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (222 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-01
change-sail-address-company-with-old-address-new-address
address · AD02
2025-07-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-01
appoint-person-director-company-with-name-date
officers · AP01
2024-06-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-23
termination-director-company-with-name-termination-date
officers · TM01
2020-10-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-06-30