IGF INVOICE FINANCE LIMITED

🌳Matureactive

02252311 · ltd · incorporated 1988-05-06

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

—

not disclosed

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

Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 73/100 (strong), bankability 57/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

12 live charges · 6 lenders · oldest 28.6y

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 28.6 years old — likely at or near maturity.
· 6 lenders named — inter-creditor friction likely.
· Legal-friction score 45/100 (high).

Data confidence

Overall: medium (58/100)

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

Lenders & charges

12 charges (12/12 with lender, 12/12 with type)

Directors & officers

32 officers (6 active, 32 linked, 27 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

3 connected companies via shared directors

Filing history

251 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

73/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (90 events)Click to expand

2025-08-29
📄
accounts-with-accounts-type-small
accounts · AA
2025-06-18
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-17
🔒
Charge registered #12
Lender: Rbs Invoice Finance Limited
2025-05-01
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-04-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-03-31
➖
ONSLOW, John Peter resigned
director
2025-01-31
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-01-31
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-01-31
🔓
Charge satisfied #7
2025-01-31
🔓
Charge satisfied #3
2024-09-04
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-04
🔒
Charge registered #11
Lender: Rbs Invoice Finance Limited as Security Trustee
2024-07-22
📄
accounts-with-accounts-type-full
accounts · AA
2023-10-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-09-27
➕
CHAIT, Steven Jonathan appointed
director
2023-07-18
📄
accounts-with-accounts-type-full
accounts · AA
2023-06-26
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-06-26
🔒
Charge registered #10
Lender: Rbs Invoice Finance Limited
2023-06-22
➕
KEECH, Oliver appointed
director
2023-06-22
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-11-15
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-11-11
🔒
Charge registered #9
Lender: Rbs Invoice Finance Limited
2022-08-02
📄
accounts-with-accounts-type-full
accounts · AA
2022-06-08
➕
MILLAR, William James appointed
director
2022-06-08
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-03-14
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-14
🔒
Charge registered #8
Lender: Rbs Invoice Finance Limited
2021-10-07
📄
accounts-with-accounts-type-full
accounts · AA
2021-06-03
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2020-11-05
📄
accounts-with-accounts-type-small
accounts · AA
2020-05-22
➖
SMITH, Matthew David resigned
director
2019-10-14
🔒
Charge registered #7
Lender: Spring Ventures Nominees Limited as Security Trustee
2019-09-16
➕
HEY, Andrew David appointed
director
2019-08-27
➕
MOORE, Stephen Michael appointed
director
2019-07-31
➖
PRICE, Nicholas John resigned
director
2018-10-12
🔒
Charge registered #6
Lender: Rbs Invoice Finance Limited as Security Agent
2018-10-12
🔒
Charge registered #5
Lender: Rbs Invoice Finance Limited
2018-06-13
➖
LINDSAY, Mark John resigned
director
2018-02-09
➖
NELSON, John Michael Stuart resigned
director
2017-11-30
🔒
Charge registered #4
Lender: Rbs Invoice Finance Limited
2017-03-31
➖
HAGGITT, Nicholas Mark resigned
director
2017-03-20
➕
LINDSAY, Mark John appointed
director
2017-03-20
➕
PRICE, Nicholas John appointed
director
2016-10-19
➕
NELSON, John Michael Stuart appointed
director
2016-07-13
➖
EWEN, Tracy Deborah resigned
director
2016-04-22
🔓
Charge satisfied #1
2016-04-21
🔒
Charge registered #2
Lender: Rbs Invoice Finance Limited
2016-04-11
➕
HUGHES, Jonathan Mark Henry appointed
director
2016-04-11
➖
WALSH, Michael Bernard resigned
secretary
2016-04-11
➖
MANSON, Christopher John resigned
director

Showing most recent 50 of 90 events

Owner dependency

48/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

55/100

Strong succession signal

Multiple 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.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

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.

9 live charges

low

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

Group structure

Igf Group Services Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Igf Group Services Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

IGF INVOICE FINANCE LIMITED

This company · 02252311

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
Igf Group Services Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	11/04/2016

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.

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Company details

Statusactive

Typeltd

Incorporated1988-05-06

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Kingsgate

High Street

Redhill

RH1 1SG

England

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-04-04

Last: 2026-03-21