ASHLEY FINANCE LIMITED
🌳Matureactive
02797120 · ltd · incorporated 1993-03-08
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
72/100
Strong
What this business does
Primary activity: SIC 64992
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 72/100 (strong), bankability 77/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (50/100).
🏦
Refinance opportunity
10 live charges · 8 lenders · oldest 30.3y
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 30.3 years old — likely at or near maturity.
- · 8 lenders named — inter-creditor friction likely.
- · Legal-friction score 45/100 (high).
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
10 charges (10/10 with lender, 10/10 with type)
90
Directors & officers
27 officers (3 active, 27 linked, 20 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
19 connected companies via shared directors
90
Filing history
170 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (89 events)Click to expand
- 2025-09-12📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-09-12📄legacyaccounts · PARENT_ACC
- 2025-09-12📄legacyother · GUARANTEE2
- 2025-09-12📄legacyother · AGREEMENT2
- 2025-06-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-03🔓Charge satisfied #6
- 2025-06-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-02🔓Charge satisfied #9
- 2025-05-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-27🔓Charge satisfied #10
- 2025-05-27🔓Charge satisfied #8
- 2025-05-27🔓Charge satisfied #5
- 2025-04-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-09-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-13🔓Charge satisfied #7
- 2024-08-01📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-08-01📄legacyaccounts · PARENT_ACC
- 2024-08-01📄legacyother · GUARANTEE2
- 2024-08-01📄legacyother · AGREEMENT2
- 2023-09-29📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2023-09-29📄legacyaccounts · PARENT_ACC
- 2023-09-05📄legacyother · GUARANTEE2
- 2023-09-05📄legacyother · AGREEMENT2
- 2022-09-26📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2022-08-30📄legacyaccounts · PARENT_ACC
- 2021-06-25🔒Charge registered #10Lender: Lloyds Bank PLC
- 2019-04-04➕LEVY, Joshua Marc appointeddirector
- 2019-04-04➖ROBSON, Ronald Alexander resigneddirector
- 2018-08-01🔒Charge registered #9Lender: Lloyds Bank PLC
- 2015-10-01➖LEWIS, Claire resigneddirector
- 2015-09-29➖THOMAS, Emma resigneddirector
- 2015-09-22➕MCMYN, Neil Armstrong appointeddirector
- 2015-09-22➖COOMBES, Jeremy Howard resigneddirector
- 2015-08-31➖CRANSTON, Jonathan David Selby resigneddirector
- 2015-07-28➕MCMYN, Neil Armstrong appointedsecretary
- 2015-07-28➖BLAIN, David Jonathan resignedsecretary
- 2015-07-28➖BLAIN, David Jonathan resigneddirector
- 2015-07-28➖BROOKE, James Dominic resigneddirector
- 2015-07-28➕ROBSON, Ronald Alexander appointeddirector
- 2015-03-22🔒Charge registered #8Lender: Lloyds Bank PLC (Security Trustee)
- 2014-06-30➕BLAIN, David Jonathan appointedsecretary
- 2014-06-30➖HORSELL, Shane resigneddirector
- 2013-10-22➕BLAIN, David Jonathan appointeddirector
- 2013-10-22➕BROOKE, James Dominic appointeddirector
- 2013-07-01➕THOMAS, Emma appointeddirector
- 2013-06-03➖THORP, Austin Peter resigneddirector
- 2013-03-11➖SAMUELS, Colin Jeffrey resigneddirector
- 2013-01-01➕THORP, Austin Peter appointeddirector
Showing most recent 50 of 89 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
51/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 33 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
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
Ultimate Finance Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Ultimate Finance Group Limited
Corporate parent · holds 75-100% shares
⬇
ASHLEY FINANCE LIMITED
This company · 02797120
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 |
|---|---|---|---|---|
Ultimate Finance Group Limited Corporate entity | 75–100% | 25–50% | 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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|---|---|---|---|---|---|---|---|
| ALMA VALE WEALTH MANAGEMENT LIMITED→ 08698932 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ALTON WEALTH MANAGEMENT LIMITED→ 10881706 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| AMCOR HOLDING 2023 UK TRUSTEE COMPANY LIMITED→ 15104425 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AMOL LIFE LTD→ 15571430 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AMPLAN LIMITED→ 07620677 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ANDERSON MORTGAGES LTD→ 09600078 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ANGEL INVESTORS BRISTOL LIMITED→ 14946960 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ANT WORLDWIDE LTD→ 15192888 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ARASH CONSULTANCY LTD→ 08183192 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| AREWAPAY LTD→ 15455477 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ASHLEY RODWELL INSURANCE AGENCIES LIMITED→ 07047991 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
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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
Incorporated1993-03-08
Jurisdictionengland-wales
Primary SIC64992 — SIC 64992
Registered office
First Floor, Equinox North Great Park Road
Bradley Stoke
Bristol
BS32 4QL
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-22
Last: 2026-03-08
Officers (3 active · 24 resigned)
MCMYN, Neil Armstrong→
Activesecretary · appointed 2015-07-28
View their other companies + combined net worth →
LEVY, Joshua Marc→
Activedirector · ~36y · appointed 2019-04-04
View their other companies + combined net worth →
MCMYN, Neil Armstrong→
Activedirector · ~57y · appointed 2015-09-22
View their other companies + combined net worth →
BLAIN, David Jonathan→
Resignedsecretary · appointed 2014-06-30 · resigned 2015-07-28
HARLOW, Ian→
Resignedsecretary · resigned 1995-03-31
HART, Stephen James→
Resignedsecretary · appointed 2001-06-18 · resigned 2010-11-01
MERRIMAN, Jayne Elizabeth→
Resignedsecretary · appointed 1995-03-30 · resigned 2001-06-18
WATERLOW SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 1993-03-08 · resigned 1993-03-08
BALLAN, David Adrian→
Resigneddirector · ~69y · resigned 1995-04-12
BLAIN, David Jonathan→
Resigneddirector · ~65y · appointed 2013-10-22 · resigned 2015-07-28
BROOKE, James Dominic→
Resigneddirector · ~55y · appointed 2013-10-22 · resigned 2015-07-28
BURTON, Jeffrey Norman→
Resigneddirector · ~76y · resigned 1995-04-26
COOMBES, Jeremy Howard→
Resigneddirector · ~62y · appointed 2010-11-01 · resigned 2015-09-22
CRANSTON, Jonathan David Selby→
Resigneddirector · ~62y · appointed 1995-05-26 · resigned 2015-08-31
HARLOW, Ian→
Resigneddirector · ~79y · resigned 1995-03-31
HART, Stephen James→
Resigneddirector · ~75y · appointed 2001-06-18 · resigned 2010-11-01
HORSELL, Shane→
Resigneddirector · ~60y · appointed 2010-11-01 · resigned 2014-06-30
JENNINS, Christopher Robert→
Resigneddirector · ~84y · appointed 1995-03-30 · resigned 1996-03-01
LEWIS, Claire→
Resigneddirector · ~46y · appointed 2012-12-05 · resigned 2015-10-01
MERRIMAN, Jayne Elizabeth→
Resigneddirector · ~62y · appointed 2001-06-18 · resigned 2012-07-31
Click a director name to see their full track record across all companies.
Mortgages & charges
10
Total charges
0
Outstanding
0
Active lenders
Status:Lender:10 of 10 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 25/06/2021 | 27/05/2025 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 01/08/2018 | 02/06/2025 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC (Security Trustee) | A registered charge | 3 properties | 22/03/2015 | 27/05/2025 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Omnibus guarantee and set-off agreement | 1 property | 01/11/2010 | 13/09/2024 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 01/11/2010 | 03/06/2025 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Commercial Finance Limited | All assets debenture | 1 property | 03/02/2009 | 27/05/2025 | |
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 14/12/1998 | 17/03/2010 | |
| satisfied | Universal Acceptances Universal Acceptances Limited | Debenture | 1 property | 26/11/1997 | 20/08/1999 | |
| satisfied | The Trustees of the Burton Family Trust | Fixed and floating charge | 1 property | 01/03/1996 | 25/11/2008 | |
| satisfied | Janet Elaine Robins | Fixed and floating charge | 1 property | 01/03/1996 | 25/11/2008 |
Recent filings (170 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-09
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-09-12
legacy
accounts · PARENT_ACC
2025-09-12
legacy
other · GUARANTEE2
2025-09-12
legacy
other · AGREEMENT2
2025-09-12
mortgage-satisfy-charge-full
mortgage · MR04
2025-06-03
mortgage-satisfy-charge-full
mortgage · MR04
2025-06-02
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-27
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-27
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-04-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-12
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-13
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-08-01
legacy
accounts · PARENT_ACC
2024-08-01