ALLPAY LIMITED
🌳Matureactive
02933191 · ltd · incorporated 1994-05-26
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
80/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 70-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 77/100. Strong seller-intent signal (73/100, director aged 70). 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: strategic trade sale (48/100).
🏦
Refinance opportunity
17 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 53/100 (high).
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
17 charges (17/17 with lender, 17/17 with type)
90
Directors & officers
45 officers (7 active, 45 linked, 34 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
203 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
85
Strong succession / seller-readiness signals.
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 mortgage
Last 180 days
2
filings
- • 1 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (139 events)Click to expand
- 2026-06-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-06-04🔓Charge satisfied #16
- 2026-01-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-01-01➕PORTIS, Rebecca Marie appointeddirector
- 2025-12-27📄accounts-with-accounts-type-fullaccounts · AA
- 2025-04-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-03🔓Charge satisfied #17
- 2025-04-03🔓Charge satisfied #15
- 2025-02-17➖CONNELLY, Richard Stuart resigneddirector
- 2025-02-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-12-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-12🔒Charge registered #17Lender: Barclays Bank PLC
- 2024-10-25📄accounts-with-accounts-type-fullaccounts · AA
- 2024-08-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-08-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-24🔒Charge registered #16Lender: Barclays Bank PLC
- 2024-07-10➖STANTON-HUMPHREYS, Jonathan resigneddirector
- 2024-07-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-07-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-01➕CONNELLY, Richard Stuart appointeddirector
- 2024-06-28🔒Charge registered #15Lender: Barclays Bank PLC
- 2024-05-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-03➖ARNOLD, Michael John resigneddirector
- 2024-02-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-29🔓Charge satisfied #14
- 2024-02-29🔓Charge satisfied #13
- 2024-02-29🔓Charge satisfied #12
- 2024-01-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-01-01➕SAMBROOK, Claire Alison appointeddirector
- 2023-11-08📄accounts-with-accounts-type-fullaccounts · AA
- 2023-09-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-01➕STANTON-HUMPHREYS, Jonathan appointeddirector
- 2023-03-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-03-14➖LANE, Philip Kenneth resigneddirector
- 2023-01-09📄accounts-with-accounts-type-fullaccounts · AA
- 2022-04-13➕WOOLLEY, Nicholas Edward appointeddirector
- 2022-04-13➖FOULGER, Stephen resigneddirector
- 2022-02-28➕LANE, Philip Kenneth appointeddirector
- 2021-09-08➕COTTON, Mary appointeddirector
- 2021-09-08➕PREECE, Victoria Emily appointeddirector
- 2021-08-31➖EWART, Claire Louise resigneddirector
- 2021-05-01➕ARNOLD, Michael John appointeddirector
- 2021-04-14➖RHODES-MAYS, Alwyn Lawrence resigneddirector
- 2020-06-22➕EWART, Claire Louise appointeddirector
- 2020-02-14➖BROWN, Victor Thomas resigneddirector
- 2020-02-03➖NORMAN, Justine Elizabeth, Mrs. resigneddirector
- 2019-09-24➖PEPLOW, Nicholas Brian resigneddirector
Showing most recent 50 of 139 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
- -7 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 32 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 70 — succession pressure is live.
Succession & seller-readiness
80/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 32 years. Very long tenure is a classic succession signal.
- 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
Allpay Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Allpay Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
ALLPAY LIMITED
This company · 02933191
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 |
|---|---|---|---|---|
Allpay Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 15/04/2019 |
1 historic (ceased) PSC
- Mr Anthony Martin Killeenceased 15/04/2019· 75-100% shares
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 · HR postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AITOPX GLOBAL LIMITED→ 16437555 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALTRSOL LTD→ 15474760 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| B V PLEASE LIMITED→ 09158518 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| BERRINGTON CAPITAL MANAGEMENT LIMITED→ 15361461 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BLACK MOUNTAIN ASSET MANAGEMENT LIMITED→ 13801846 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BOLLENS CAPITAL LTD→ 16748886 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BRITANNIA FINANCE & CAPITAL LTD→ 16816209 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BROCKSWOOD NOMINEES LIMITED→ 02063348 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
| BURGHILL INVESTMENTS LTD→ 02420873 · est 1989 · no financials extracted | — | — | — | — | 36y | — | — |
| BURKE LTD→ 17018179 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BY JANE & JAMES PROPERTIES LTD→ 16209914 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CALAVO INVESTMENTS LIMITED→ 02282495 · est 1988 · no financials extracted | — | — | — | — | 37y | — | — |
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.
See pricing →Company details
Statusactive
Typeltd
Incorporated1994-05-26
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Fortis Et Fides
Whitestone Business Park
Whitestone Hereford
Herefordshire
HR1 3SE
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-03-08
Last: 2026-02-22
Officers (7 active · 38 resigned)
COTTON, Mary→
Activedirector · ~60y · appointed 2021-09-08
View their other companies + combined net worth →
KILLEEN, Anthony Martin→
Activedirector · ~70y · appointed 1994-05-26
View their other companies + combined net worth →
PACEY, Michelle Clare→
Activedirector · ~51y · appointed 2019-06-17
View their other companies + combined net worth →
PORTIS, Rebecca Marie→
Activedirector · ~51y · appointed 2026-01-01
View their other companies + combined net worth →
PREECE, Victoria Emily→
Activedirector · ~59y · appointed 2021-09-08
View their other companies + combined net worth →
SAMBROOK, Claire Alison→
Activedirector · ~44y · appointed 2024-01-01
View their other companies + combined net worth →
WOOLLEY, Nicholas Edward→
Activedirector · ~52y · appointed 2022-04-13
View their other companies + combined net worth →
BENNETT, David Michael→
Resignedsecretary · appointed 2000-12-01 · resigned 2002-03-12
BOWKETT, Dean Paul→
Resignedsecretary · appointed 1998-10-19 · resigned 1999-06-16
CARR, Gethyn Samuel Alexis Ieuan→
Resignedsecretary · appointed 1999-07-04 · resigned 2000-12-01
DEER, Emma→
Resignedsecretary · appointed 2013-04-04 · resigned 2013-04-04
HAYES, Barbara Elizabeth→
Resignedsecretary · appointed 1994-05-26 · resigned 1995-07-26
HOLDEN, Paul Jonathan Ewart→
Resignedsecretary · appointed 2013-04-04 · resigned 2013-10-16
HOLDEN, Paul Jonathan Ewart→
Resignedsecretary · appointed 2009-06-01 · resigned 2013-04-04
KNIGHTS, Sarah Dawn→
Resignedsecretary · appointed 1995-07-27 · resigned 1998-10-19
MACE, Jonathan Philip→
Resignedsecretary · appointed 2002-03-12 · resigned 2007-04-05
RUMBALL, Sarah Jayne→
Resignedsecretary · appointed 2007-04-10 · resigned 2009-06-01
SWIFT INCORPORATIONS LIMITED→
Resignedcorporate-nominee-secretary · appointed 1994-05-26 · resigned 1994-05-26
ARNOLD, Michael John→
Resigneddirector · ~53y · appointed 2021-05-01 · resigned 2024-05-03
BOWKETT, Dean Paul→
Resigneddirector · ~59y · appointed 1998-10-19 · resigned 1999-06-16
Click a director name to see their full track record across all companies.
Mortgages & charges
17
Total charges
0
Outstanding
0
Active lenders
Status:Lender:17 of 17 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Barclays Barclays Bank PLC | A registered charge | — | 12/12/2024 | 03/04/2025 | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | — | 24/07/2024 | 04/06/2026 | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | — | 28/06/2024 | 03/04/2025 | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | 1 property | 06/08/2019 | 29/02/2024 | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | — | 06/08/2019 | 29/02/2024 | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | — | 02/08/2019 | 29/02/2024 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 04/09/2009 | 17/08/2019 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Legal charge | 1 property | 23/04/2008 | 17/08/2019 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 27/03/2007 | 17/08/2019 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 18/12/2006 | 17/08/2019 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 18/12/2006 | 17/08/2019 | |
| satisfied | Julian Hodge Bank Julian Hodge Bank Limited | Legal charge over building contract | 1 property | 06/03/2006 | 25/10/2008 | |
| satisfied | Julian Hodge Bank Julian Hodge Bank Limited | Legal mortgage | 1 property | 06/03/2006 | 25/10/2008 | |
| satisfied | Julian Hodge Bank Julian Hodge Bank Limited | Debenture | 1 property | 06/03/2006 | 08/04/2006 | |
| satisfied | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 22/04/2003 | 25/10/2008 | |
| satisfied | Midland Bank Midland Bank PLC | Legal mortgage | 1 property | 12/02/1999 | 21/10/2003 | |
| satisfied | Midland Bank Midland Bank PLC | Debenture | 1 property | 10/12/1997 | 25/10/2008 |
Recent filings (203 total)
mortgage-satisfy-charge-full
mortgage · MR04
2026-06-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-03
appoint-person-director-company-with-name-date
officers · AP01
2026-01-06
accounts-with-accounts-type-full
accounts · AA
2025-12-27
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-03
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-07
termination-director-company-with-name-termination-date
officers · TM01
2025-02-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-13
accounts-with-accounts-type-full
accounts · AA
2024-10-25
appoint-person-director-company-with-name-date
officers · AP01
2024-08-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-01
termination-director-company-with-name-termination-date
officers · TM01
2024-07-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-03
termination-director-company-with-name-termination-date
officers · TM01
2024-05-13