AB GROUP FINANCIAL SERVICES LIMITED
🌳Matureactive
02059740 · ltd · incorporated 1986-09-30
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
78/100
Strong
What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
PursueActive trading company with a 64-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 77/100. Strong seller-intent signal (65/100, director aged 64). 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
3 live charges · 3 lenders · oldest 35.8y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 35.8 years old — likely at or near maturity.
- · 3 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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
25 officers (3 active, 25 linked, 21 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
18 connected companies via shared directors
90
Filing history
184 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
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 (67 events)Click to expand
- 2025-10-08📄accounts-with-accounts-type-fullaccounts · AA
- 2024-12-16📄accounts-with-accounts-type-fullaccounts · AA
- 2024-10-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-10-15➖FORD, Paul Leslie resigneddirector
- 2024-09-25➕CALABRIA, David Thomas appointeddirector
- 2024-09-25➕DEGENOVA, Cathleen appointeddirector
- 2024-09-25➖RANKIN, Patrick Kenneth resigneddirector
- 2024-09-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-11-10📄accounts-with-accounts-type-smallaccounts · AA
- 2022-08-15📄accounts-with-accounts-type-smallaccounts · AA
- 2021-10-06📄accounts-with-accounts-type-fullaccounts · AA
- 2021-03-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-03-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-03-09➕RANKIN, Patrick Kenneth appointeddirector
- 2021-03-09➖ROLLASON, Paul Edward resigneddirector
- 2020-09-22📄accounts-with-accounts-type-fullaccounts · AA
- 2019-08-09📄accounts-with-accounts-type-fullaccounts · AA
- 2019-03-26📄change-person-director-company-with-change-dateofficers · CH01
- 2018-10-04📄accounts-with-accounts-type-fullaccounts · AA
- 2018-07-27📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2018-07-24📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2018-07-20➕LALL, Inderpal appointedsecretary
- 2018-07-20➖JONES, Gail Marion resignedsecretary
- 2016-11-07➖BROUGHTON SECRETARIES LIMITED resignedcorporate-secretary
- 2016-06-30➕ROLLASON, Paul Edward appointeddirector
- 2016-06-30➖SPIERS, Joanna Elizabeth resigneddirector
- 2015-04-30➕FORD, Paul Leslie appointeddirector
- 2015-04-30➖TURNER, Jason Christopher Godsell resigneddirector
- 2014-03-01➖SACHDEVA, Rajiv resigneddirector
- 2013-07-03➕BROUGHTON SECRETARIES LIMITED appointedcorporate-secretary
- 2013-06-17➕SPIERS, Joanna Elizabeth appointeddirector
- 2013-04-15➕TURNER, Jason Christopher Godsell appointeddirector
- 2013-04-12➖FILLINGHAM, Stuart Barry David, Mr. resigneddirector
- 2013-03-27➕JONES, Gail Marion appointedsecretary
- 2013-03-27➖NICHOLSON, Judith Ann resignedsecretary
- 2012-05-23➖FORD, Paul Leslie resigneddirector
- 2012-05-23➕SACHDEVA, Rajiv appointeddirector
- 2009-12-31➖NICHOLSON, Judith Ann resigneddirector
- 2009-12-11➕NICHOLSON, Judith Ann appointeddirector
- 2008-07-11➕FORD, Paul Leslie appointeddirector
- 2008-07-11➖GATES, Edwin Peter resigneddirector
- 2007-06-21➖BELL, Nina Anne resigneddirector
- 2004-08-12➕BELL, Nina Anne appointeddirector
- 2004-08-12➖COATES, Richard John resigneddirector
- 2004-08-12➕FILLINGHAM, Stuart Barry David, Mr. appointeddirector
- 2004-08-12➖SMITH, Martyn Robert resigneddirector
- 2003-11-01➕COATES, Richard John appointeddirector
- 2003-11-01➖MCCAFFERTY, Mark resigneddirector
Showing most recent 50 of 67 events
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. 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 ·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
Avis Europe Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Avis Europe Holdings Ltd
Corporate parent · holds 75-100% shares
⬇
AB GROUP FINANCIAL SERVICES LIMITED
This company · 02059740
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 |
|---|---|---|---|---|
Avis Europe Holdings Ltd Corporate entity | 75–100% | — | 75-100% shares | 01/06/2016 |
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 · Trade services · RG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 5STARSOURCING LTD→ 16121782 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AA APEX LTD→ 16334178 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AA TRAVELS LIMITED→ 08897522 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| AA VENTURE LAB LIMITED→ 11444381 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AAN HOLDING LIMITED→ 13253233 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AARDVARK CLEANING SERVICES LTD→ 12214110 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AB AUTOMATION LIMITED→ 07600365 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| ABACUS CONSULTANCY ASCOT LIMITED→ 05594964 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ABBELLA PROPERTIES LIMITED→ 11439713 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ABBERLY PROPERTY LIMITED→ 06912105 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| ABBET JONES & CO LIMITED→ 11737613 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ABBEY GATE LOCKSMITHS LIMITED→ 08896062 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated1986-09-30
Jurisdictionengland-wales
Primary SIC82990 — Other business support service activities n.e.c.
Registered office
Avis Budget House
Park Road
Bracknell
Berkshire
RG12 2EW
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-03
Last: 2025-11-19
Officers (3 active · 22 resigned)
Active
CALABRIA, David Thomas→
Activedirector · ~52y · appointed 2024-09-25
View their other companies + combined net worth →
DEGENOVA, Cathleen→
Activedirector · ~64y · appointed 2024-09-25
View their other companies + combined net worth →
JONES, Gail Marion→
Resignedsecretary · appointed 2013-03-27 · resigned 2018-07-20
NICHOLSON, Judith Ann→
Resignedsecretary · resigned 2013-03-27
BROUGHTON SECRETARIES LIMITED→
Resignedcorporate-secretary · appointed 2013-07-03 · resigned 2016-11-07
BELL, Nina Anne→
Resigneddirector · ~57y · appointed 2004-08-12 · resigned 2007-06-21
CATHCART, William Alun→
Resigneddirector · ~83y · resigned 1999-01-31
CHURCHILL, Daniel Duncan→
Resigneddirector · ~85y · resigned 1998-06-30
COATES, Richard John→
Resigneddirector · ~60y · appointed 2003-11-01 · resigned 2004-08-12
COWAN, Christopher Ian→
Resigneddirector · ~80y · appointed 1999-01-01 · resigned 2002-04-11
FILLINGHAM, Stuart Barry David, Mr.→
Resigneddirector · ~61y · appointed 2004-08-12 · resigned 2013-04-12
FORD, Paul Leslie→
Resigneddirector · ~56y · appointed 2015-04-30 · resigned 2024-10-15
FORD, Paul Leslie→
Resigneddirector · ~56y · appointed 2008-07-11 · resigned 2012-05-23
GATES, Edwin Peter→
Resigneddirector · ~70y · appointed 1998-07-01 · resigned 2008-07-11
HANNA, Kenneth George→
Resigneddirector · ~73y · resigned 1993-11-01
MALONEY, David Ossian→
Resigneddirector · ~71y · appointed 1993-11-01 · resigned 1998-12-31
MCCAFFERTY, Mark→
Resigneddirector · ~67y · appointed 1999-02-01 · resigned 2003-11-01
NICHOLSON, Judith Ann→
Resigneddirector · ~70y · appointed 2009-12-11 · resigned 2009-12-31
RANKIN, Patrick Kenneth→
Resigneddirector · ~56y · appointed 2021-03-09 · resigned 2024-09-25
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Citibank N.A.Defined)as "Security Trustee" for the Beneficiaries (As | Deed of charge | 1 property | 11/08/1992 | 28/06/1997 | |
| satisfied | The Law Debenture Trust Corporation Plcon Behalf of Itself and the Bondholders | Guarantee & debenture | 1 property | 07/08/1992 | 28/06/1997 | |
| satisfied | Citibank N.A. | Debenture | 1 property | 03/08/1990 | 28/06/1997 |
Recent filings (184 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-06
accounts-with-accounts-type-full
accounts · AA
2025-10-08
accounts-with-accounts-type-full
accounts · AA
2024-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-21
termination-director-company-with-name-termination-date
officers · TM01
2024-10-21
appoint-person-director-company-with-name-date
officers · AP01
2024-09-25
appoint-person-director-company-with-name-date
officers · AP01
2024-09-25
termination-director-company-with-name-termination-date
officers · TM01
2024-09-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-07
accounts-with-accounts-type-small
accounts · AA
2023-11-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-24
accounts-with-accounts-type-small
accounts · AA
2022-08-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-23
accounts-with-accounts-type-full
accounts · AA
2021-10-06
appoint-person-director-company-with-name-date
officers · AP01
2021-03-12