TARGET FINANCIAL SYSTEMS LIMITED
⚰️Wound downdissolved
02711919 · ltd · incorporated 1992-05-05
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 12.6y old — refinance window within 12 months
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
55/100
Worth a look
What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed unclear — structural issues outweigh the discount.
Opportunity 55/100 (worth a look), bankability 80/100. Strong seller-intent signal (68/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
3 live charges · oldest 12.6y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 12.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 20/100 — clean.
Data confidence
Overall: medium (60/100)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
22 officers (3 active, 22 linked, 19 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
122 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
55/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
30
Concerning — overdue filings or status flags present.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
41
Multiple red flags — proceed with caution.
Signal strength
100
Good data coverage for analysis.
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 (70 events)Click to expand
- 2022-03-08📄gazette-dissolved-voluntarygazette · GAZ2(A)
- 2022-03-08🏁Company dissolved
- 2022-02-04📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2021-12-21📄gazette-notice-voluntarygazette · GAZ1(A)
- 2021-12-14📄dissolution-application-strike-off-companydissolution · DS01
- 2021-11-26📄legacycapital · SH20
- 2021-11-26⚠️legacyinsolvency · CAP-SS
- 2021-11-26📄resolutionresolution · RESOLUTIONS
- 2021-09-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-07-31➖BYRNE, Patrick Michael resigneddirector
- 2021-04-13📄accounts-with-accounts-type-fullaccounts · AA
- 2020-12-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-12-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-12-11➖MILLS, Christopher Andrew resigneddirector
- 2020-11-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-10-30➖BAXTER, Terence Alexander resigneddirector
- 2020-10-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-10-05➖DOMAN, Andrew Spencer resigneddirector
- 2020-09-07➖ROWE, Catherine Elizabeth resigneddirector
- 2020-09-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-08-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-07-31➕NEWMAN, Roger appointeddirector
- 2020-07-31➕MILLS, Christopher Andrew appointeddirector
- 2020-07-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-06-19➖EVANS, Iestyn David resigneddirector
- 2020-05-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-05-04➕ROWE, Catherine Elizabeth appointeddirector
- 2020-01-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-12-31➖LARKIN, Ian David resigneddirector
- 2019-12-31📄accounts-with-accounts-type-fullaccounts · AA
- 2019-11-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-10-22➕WALLACE, Aileen appointeddirector
- 2018-11-30📄accounts-with-accounts-type-fullaccounts · AA
- 2017-12-15➕AGARWAL, Vivek Satish appointeddirector
- 2017-12-15➕DOMAN, Andrew Spencer appointeddirector
- 2017-12-15➕EVANS, Iestyn David appointeddirector
- 2017-07-31➖ALLEY, William Michael resigneddirector
- 2017-05-19➖BEBB, Dafydd Llywelyn resignedsecretary
- 2017-04-05🔓Charge satisfied #3
- 2017-04-05🔓Charge satisfied #1
- 2016-12-08➖ROBERTSON, Steven Andrew resigneddirector
- 2016-03-11➕ROBERTSON, Steven Andrew appointeddirector
- 2015-09-30➖TWEEDY, David William Paterson resigneddirector
- 2015-03-11➕BAXTER, Terence Alexander appointeddirector
- 2015-03-11➕TWEEDY, David William Paterson appointeddirector
- 2014-10-23➕LARKIN, Ian David appointeddirector
- 2014-10-16➖HUNT, John resigneddirector
- 2014-08-06🔓Charge satisfied #2
- 2014-07-23🔒Charge registered #3Lender: Shawbrook Bank Limited
- 2014-06-05➕BEBB, Dafydd Llywelyn appointedsecretary
Showing most recent 50 of 70 events
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 69 — succession pressure is live.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- secondaryStable-but-static management: Company is 34 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
2 high · 1 med ·Company dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2022-03-08
1 insolvency-related filing on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2021-11-26: legacy
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
Target Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Target Group Limited
Corporate parent · holds 75-100% shares
⬇
TARGET FINANCIAL SYSTEMS LIMITED
This company · 02711919
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 |
|---|---|---|---|---|
Target Group Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 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
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Statusdissolved
Typeltd
Incorporated1992-05-05
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Registered office
5-19 Target House
Cowbridge Road East
Castlebridge Cardiff
South Glamorgan
CF11 9AU
Filing status
Accounts
Next due: —
Last made up to: 2020-03-31
Confirmation statement
Next due: —
Last: —
Officers (0 active · 19 resigned)
AGARWAL, Vivek Satish→
Activedirector · ~53y · appointed 2017-12-15
View their other companies + combined net worth →
NEWMAN, Roger→
Activedirector · ~69y · appointed 2020-07-31
View their other companies + combined net worth →
WALLACE, Aileen→
Activedirector · ~56y · appointed 2019-10-22
View their other companies + combined net worth →
BEBB, Dafydd Llywelyn→
Resignedsecretary · appointed 2014-06-05 · resigned 2017-05-19
JENKINS, Philip→
Resignedsecretary · appointed 2000-03-31 · resigned 2014-05-02
THOMAS, Peter Glyn→
Resignedsecretary · appointed 1992-05-05 · resigned 2000-03-31
ALLEY, William Michael→
Resigneddirector · ~67y · appointed 2014-03-01 · resigned 2017-07-31
BAXTER, Terence Alexander→
Resigneddirector · ~64y · appointed 2015-03-11 · resigned 2020-10-30
BYRNE, Patrick Michael→
Resigneddirector · ~67y · appointed 2013-12-18 · resigned 2021-07-31
DOMAN, Andrew Spencer→
Resigneddirector · ~75y · appointed 2017-12-15 · resigned 2020-10-05
EVANS, Iestyn David→
Resigneddirector · ~51y · appointed 2017-12-15 · resigned 2020-06-19
HAWKINS, David Grant→
Resigneddirector · ~78y · appointed 1992-05-05 · resigned 2012-02-29
HEATH, David William→
Resigneddirector · ~69y · appointed 2012-02-29 · resigned 2013-01-30
HUNT, John→
Resigneddirector · ~53y · appointed 2013-01-30 · resigned 2014-10-16
LARKIN, Ian David→
Resigneddirector · ~58y · appointed 2014-10-23 · resigned 2019-12-31
MILLS, Christopher Andrew→
Resigneddirector · ~50y · appointed 2020-07-31 · resigned 2020-12-11
ROBERTSON, Steven Andrew→
Resigneddirector · ~59y · appointed 2016-03-11 · resigned 2016-12-08
ROWE, Catherine Elizabeth→
Resigneddirector · ~56y · appointed 2020-05-04 · resigned 2020-09-07
RUDOLF, James De Montjoie→
Resigneddirector · ~52y · appointed 2012-02-29 · resigned 2013-03-13
STEPHEN, Michael Rhys→
Resigneddirector · ~76y · appointed 1992-05-05 · resigned 2010-07-31
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 | Shawbrook Shawbrook Bank Limited | A registered charge | — | 23/07/2014 | 05/04/2017 | |
| satisfied | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 23/01/2014 | 06/08/2014 | |
| satisfied | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 23/12/2013 | 05/04/2017 |
Recent filings (122 total)
gazette-dissolved-voluntary
gazette · GAZ2(A)
2022-03-08
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2022-02-04
gazette-notice-voluntary
gazette · GAZ1(A)
2021-12-21
dissolution-application-strike-off-company
dissolution · DS01
2021-12-14
legacy
capital · SH20
2021-11-26
legacy
insolvency · CAP-SS
2021-11-26
resolution
resolution · RESOLUTIONS
2021-11-26
termination-director-company-with-name-termination-date
officers · TM01
2021-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-12
accounts-with-accounts-type-full
accounts · AA
2021-04-13
termination-director-company-with-name-termination-date
officers · TM01
2020-12-14
termination-director-company-with-name-termination-date
officers · TM01
2020-12-14
termination-director-company-with-name-termination-date
officers · TM01
2020-11-06
termination-director-company-with-name-termination-date
officers · TM01
2020-10-07
appoint-person-director-company-with-name-date
officers · AP01
2020-09-04