VALU-TRAC INVESTMENT MANAGEMENT LIMITED

🌳Matureactive

02428648 · ltd · incorporated 1989-10-03

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.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 19.9y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

77/100

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 with a 70-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (73/100, director aged 70). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 19.9y

50/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 19.9 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 28/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (59/100)

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

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

18 officers (8 active, 18 linked, 16 with DOB)

Ownership & PSC

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

Director network

8 connected companies via shared directors

Filing history

148 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

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 accounts

Counts from Companies House filing history.

Corporate timeline (52 events)Click to expand

2026-02-25
📄
accounts-with-accounts-type-full
accounts · AA
2025-02-04
📄
accounts-with-accounts-type-full
accounts · AA
2024-08-30
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-08-26
➖
BRENNAN, Matthew resigned
director
2024-07-09
📄
change-person-director-company-with-change-date
officers · CH01
2024-07-08
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-06-29
➕
SIM, Jonathan Watson appointed
director
2024-04-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-28
➕
BRENNAN, Matthew appointed
director
2024-02-17
📄
accounts-with-accounts-type-full
accounts · AA
2023-12-04
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-12-01
➖
HENDERSON, Martin John resigned
director
2023-07-17
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-07-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-06-30
➖
HALLEY, Douglas James resigned
director
2023-06-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-06-01
➕
BOND, Adrian Geoffrey appointed
director
2023-05-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-05-01
➕
LEWIS, Andrew Michael appointed
director
2023-04-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-04-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-04-01
➕
BRETT, John Michael appointed
director
2023-03-31
➖
BARRON, Michael John resigned
director
2023-02-16
📄
accounts-with-accounts-type-full
accounts · AA
2023-01-13
📄
resolution
resolution · RESOLUTIONS
2023-01-08
📄
capital-allotment-shares
capital · SH01
2023-01-05
📄
memorandum-articles
incorporation · MA
2022-11-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-09-27
➕
O'CARROLL, Aidan appointed
director
2022-04-06
📄
capital-allotment-shares
capital · SH01
2022-02-15
📄
capital-allotment-shares
capital · SH01
2021-10-11
➕
BRETTELL, Jeremy Macduff appointed
director
2019-11-05
➖
MILLAR, Robert Peter Wharton resigned
director
2019-09-12
🔓
Charge satisfied #3
2018-08-20
➕
BARRON, Michael John appointed
director
2018-04-21
🔓
Charge satisfied #2
2018-04-21
🔓
Charge satisfied #1
2018-04-04
🔒
Charge registered #3
Lender: Bank of Scotland PLC
2017-05-29
➕
HALLEY, Douglas James appointed
director
2013-10-24
➕
LAING, Anne Aveline appointed
director
2013-10-24
➕
HENDERSON, Martin John appointed
director
2013-10-24
➖
STRANG STEEL, Malcolm Graham resigned
director
2013-07-17
➖
KITTOE, Nicholas Benedict Montagu resigned
director
2012-09-03
➕
KITTOE, Nicholas Benedict Montagu appointed
director
2011-07-26
🔒
Charge registered #2
Lender: The Mayor and Commonalty and Citizens of the City of London
2009-12-02
➕
LAING, Anne Aveline appointed
secretary
2009-12-02
➖
MILLAR, Carola resigned
secretary
2006-06-26
🔒
Charge registered #1
Lender: The Mayor and Commonalty and Citizens of the City of London
1995-10-16
➖
FOWLER, Stuart Anthony resigned
director
1994-10-12
➕
STRANG STEEL, Malcolm Graham appointed
director

Showing most recent 50 of 52 events

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-7 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 70 — succession pressure is live.

Succession & seller-readiness

73/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
secondary12+ year tenure: Director in role 13 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

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.

🔒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 · EC postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ALLIANZ HOME EQUITY INCOME 1 (FUNDING MEMBER) LIMITED→ 13004457 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
ALLIANZ HOME EQUITY INCOME GP 1 LIMITED→ 11300042 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
ALLIANZ MARINE (UK) LIMITED→ 02874460 · est 1993 · no financials extracted	—	—	—	—	32y	—	—
ALLIANZ PENSION FUND TRUSTEES LIMITED→ 01088967 · est 1972 · no financials extracted	—	—	—	—	53y	—	—
ALLIANZ RENEWABLE ENERGY FUND MANAGEMENT 1 LIMITED→ 06475357 · est 2008 · no financials extracted	—	—	—	—	18y	—	—
ALLIANZ RENEWABLE ENERGY PARTNERS IV LIMITED→ 06871889 · est 2009 · no financials extracted	—	—	—	—	17y	—	—
ALLIANZ SERVICES (UK) LIMITED→ 00256414 · est 1931 · no financials extracted	—	—	—	—	94y	—	—
ALLIANZ TECHNOLOGY TRUST PLC→ 03117355 · est 1995 · no financials extracted	—	—	—	—	30y	—	—
ALLIANZ UK INFRASTRUCTURE DEBT GP 2 LIMITED→ 10756265 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
ALLIANZ UK INFRASTRUCTURE DEBT GP LIMITED→ 09054050 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
ALLICA FINANCIAL SERVICES LIMITED→ 12784979 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
ALLIED MINDS PLC→ 08998697 · est 2014 · no financials extracted	—	—	—	—	12y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated1989-10-03

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Level 4, Dashwood House

69 Old Broad Street

London

EC2M 1QS

England

Filing status

Accounts

Next due: 2027-02-27

Last made up to: 2025-05-28

Confirmation statement

Next due: 2026-10-17

Last: 2025-10-03