COLONIAL FINANCE (UK) LIMITED
🌳Matureactive
02064697 · ltd · incorporated 1986-10-15
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 26.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with exceptional profile and bankable structure.
Opportunity 80/100 (exceptional), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
1 live charge · oldest 26.7y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 26.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 20/100 — clean.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
27 officers (2 active, 27 linked, 23 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
20 connected companies via shared directors
90
Filing history
194 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Last 180 days
4
filings
- • 1 confirmation-statement
- • 1 accounts
- • 1 resolution
Counts from Companies House filing history.
Corporate timeline (66 events)Click to expand
- 2026-03-10📄accounts-with-accounts-type-fullaccounts · AA
- 2025-12-21📄resolutionresolution · RESOLUTIONS
- 2025-12-21📄memorandum-articlesincorporation · MA
- 2025-02-28📄accounts-with-accounts-type-fullaccounts · AA
- 2024-03-08📄accounts-with-accounts-type-fullaccounts · AA
- 2023-02-28📄accounts-with-accounts-type-fullaccounts · AA
- 2022-02-25📄accounts-with-accounts-type-fullaccounts · AA
- 2021-03-16📄accounts-with-accounts-type-fullaccounts · AA
- 2021-02-03➖SHELTON, Richard Dominic resigneddirector
- 2021-02-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-06-09📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2020-06-01➖SHARP, Pandora resignedsecretary
- 2020-03-09📄accounts-with-accounts-type-fullaccounts · AA
- 2019-02-26📄accounts-with-accounts-type-fullaccounts · AA
- 2018-02-21📄accounts-with-accounts-type-fullaccounts · AA
- 2017-09-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2017-06-14📄accounts-with-accounts-type-fullaccounts · AA
- 2015-09-23➕ALLEN, Keith Graham appointeddirector
- 2014-06-30➖GEMMELL, John Grigor resignedsecretary
- 2014-06-30➕SHARP, Pandora appointedsecretary
- 2014-06-30➖GEMMELL, John Grigor resigneddirector
- 2014-05-13➖KEEN, Nicholas resigneddirector
- 2014-04-25➕WOODMAN, Richard James appointeddirector
- 2010-05-14➖MEHMET, Adem resigneddirector
- 2000-10-16➖AYLING, James Stewart resignedsecretary
- 2000-10-16➕GEMMELL, John Grigor appointedsecretary
- 2000-10-16➖EVANS, Alan Guy resigneddirector
- 2000-10-16➕GEMMELL, John Grigor appointeddirector
- 2000-10-16➖JONES, Malcolm Vaughan resigneddirector
- 2000-10-16➕KEEN, Nicholas appointeddirector
- 2000-10-16➖LAYBOURN, Graham resigneddirector
- 2000-10-16➖MACK, Paul resigneddirector
- 2000-10-16➕MEHMET, Adem appointeddirector
- 2000-10-16➕SHELTON, Richard Dominic appointeddirector
- 2000-06-16🔓Charge satisfied #1
- 2000-06-08➕AYLING, James Stewart appointedsecretary
- 2000-06-08➖BAMFORD, Jacqueline Ann resignedsecretary
- 2000-06-08➖BAMFORD, Jacqueline Ann resigneddirector
- 2000-06-08➕JONES, Malcolm Vaughan appointeddirector
- 2000-06-08➕LAYBOURN, Graham appointeddirector
- 2000-06-08➕MACK, Paul appointeddirector
- 2000-06-08➖MOLLOY, Arthur John resigneddirector
- 2000-06-08➖WALSH, Matthew James resigneddirector
- 1999-11-17➕BAMFORD, Jacqueline Ann appointeddirector
- 1999-11-17➕MOLLOY, Arthur John appointeddirector
- 1999-10-29➖LEWIS, Roderick James resigneddirector
- 1999-09-20🔒Charge registered #1Lender: Rheingold No.7 Limited
- 1999-08-31➖COYLE, Christopher Davis resigneddirector
- 1999-08-31➕WALSH, Matthew James appointeddirector
- 1998-02-25➕COYLE, Christopher Davis appointeddirector
Showing most recent 50 of 66 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 61 — approaching natural succession window.
Succession & seller-readiness
69/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 12 years.
- secondaryStable-but-static management: Company is 40 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Paragon Banking Group Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Paragon Banking Group Plc
Corporate parent · holds 75-100% shares · board control
⬇
COLONIAL FINANCE (UK) LIMITED
This company · 02064697
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 |
|---|---|---|---|---|
Paragon Banking Group Plc 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.
🔒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 · Financial services · B postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ADVANCE CAPITAL INVESTMENT LTD→ 15813464 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADVANCED INSURANCE CONSULTANTS LIMITED→ 04918171 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| ADVANTAGE FINANCE LIMITED→ 03773673 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| ADVICE WISE LTD→ 11678145 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AE AUTO ENROLMENT LIMITED→ 09310563 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| AEX CONSULTANCY LIMITED→ 09824103 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| AFFINITY BUSINESS SERVICES LIMITED→ 04276804 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| AFH INDEPENDENT FINANCIAL SERVICES LIMITED→ 04049180 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| AFIN SOLUTIONS LIMITED→ 16174666 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AGE CONCERN SOLIHULL TRADING LIMITED→ 02908140 · est 1994 · no financials extracted | — | — | — | — | 32y | — | — |
| AGILITY FLEET (PERSONAL LEASING) LIMITED→ 06595187 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| AGR ACQUISITIONS LTD→ 12048090 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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
Incorporated1986-10-15
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
51 Homer Road
Solihull
West Midlands
B91 3QJ
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-06-04
Last: 2026-05-21
Officers (2 active · 25 resigned)
ALLEN, Keith Graham→
Activedirector · ~54y · appointed 2015-09-23
View their other companies + combined net worth →
WOODMAN, Richard James→
Activedirector · ~61y · appointed 2014-04-25
View their other companies + combined net worth →
AYLING, James Stewart→
Resignedsecretary · appointed 2000-06-08 · resigned 2000-10-16
BAMFORD, Jacqueline Ann→
Resignedsecretary · resigned 2000-06-08
GEMMELL, John Grigor→
Resignedsecretary · appointed 2000-10-16 · resigned 2014-06-30
SHARP, Pandora→
Resignedsecretary · appointed 2014-06-30 · resigned 2020-06-01
BAMFORD, Jacqueline Ann→
Resigneddirector · ~71y · appointed 1999-11-17 · resigned 2000-06-08
COYLE, Christopher Davis→
Resigneddirector · ~82y · appointed 1998-02-25 · resigned 1999-08-31
DEVAS, Michael Campbell→
Resigneddirector · ~102y · resigned 1994-03-24
EDWARDS, Christopher Alan→
Resigneddirector · ~71y · appointed 1996-04-23 · resigned 1998-02-25
EVANS, Alan Guy→
Resigneddirector · ~76y · appointed 1996-04-23 · resigned 2000-10-16
GEMMELL, John Grigor→
Resigneddirector · ~72y · appointed 2000-10-16 · resigned 2014-06-30
GRANT, Graeme Alexander→
Resigneddirector · ~82y · appointed 1993-09-14 · resigned 1996-06-28
JONES, Malcolm Vaughan→
Resigneddirector · ~60y · appointed 2000-06-08 · resigned 2000-10-16
KEEN, Nicholas→
Resigneddirector · ~68y · appointed 2000-10-16 · resigned 2014-05-13
LAYBOURN, Graham→
Resigneddirector · ~60y · appointed 2000-06-08 · resigned 2000-10-16
LEWIS, Roderick James→
Resigneddirector · ~68y · appointed 1996-09-17 · resigned 1999-10-29
MACK, Paul→
Resigneddirector · ~62y · appointed 2000-06-08 · resigned 2000-10-16
MEHMET, Adem→
Resigneddirector · ~67y · appointed 2000-10-16 · resigned 2010-05-14
MOLLOY, Arthur John→
Resigneddirector · ~83y · appointed 1999-11-17 · resigned 2000-06-08
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Rheingold No.7 Rheingold No.7 Limited | Deed of assignment | 1 property | 20/09/1999 | 16/06/2000 |
Recent filings (194 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-21
accounts-with-accounts-type-full
accounts · AA
2026-03-10
resolution
resolution · RESOLUTIONS
2025-12-21
memorandum-articles
incorporation · MA
2025-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-21
accounts-with-accounts-type-full
accounts · AA
2025-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-21
accounts-with-accounts-type-full
accounts · AA
2024-03-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-22
accounts-with-accounts-type-full
accounts · AA
2023-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-23
accounts-with-accounts-type-full
accounts · AA
2022-02-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-21
accounts-with-accounts-type-full
accounts · AA
2021-03-16
termination-director-company-with-name-termination-date
officers · TM01
2021-02-03