FAIR FINANCE LIMITED

🌳Matureactive
03112887 · ltd · incorporated 1995-10-12
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
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
80/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: SIC 64992
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 76-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (73/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

7 live charges · 5 lenders · oldest 29.8y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 29.8 years old — likely at or near maturity.
  • · 5 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (79/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
9 officers (5 active, 9 linked, 4 with DOB)
79
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
94 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Dec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31
Average employees500500

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

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 (42 events)Click to expand
  1. 2025-09-15
    ➕
    NAJAR, David Elie appointed
    director
  2. 2025-09-15
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  3. 2025-02-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-08-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-09-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-08-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2022-08-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2022-02-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-03-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-03-16
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  11. 2021-03-16
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2020-03-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-08-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-09-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-02-13
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  16. 2018-02-13
    🔓
    Charge satisfied #6
  17. 2017-06-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2012-04-19
    🔓
    Charge satisfied #5
  19. 2012-04-05
    🔓
    Charge satisfied #4
  20. 2001-05-09
    🔒
    Charge registered #7
    Lender: Jeff Maurice Hammerschlag
  21. 2001-05-09
    🔒
    Charge registered #6
    Lender: Ablemere Limited
  22. 2000-06-30
    ➕
    HAMMERSCHLAG, Pamela Heather appointed
    secretary
  23. 2000-06-30
    ➖
    SUNGLASSES WORLD LIMITED resigned
    corporate-secretary
  24. 1999-04-06
    🔒
    Charge registered #5
    Lender: Bank Leumi (UK) PLC
  25. 1999-04-06
    🔒
    Charge registered #4
    Lender: Bank Leumi (UK) PLC
  26. 1999-04-03
    🔓
    Charge satisfied #2
  27. 1999-03-17
    🔓
    Charge satisfied #3
  28. 1998-06-27
    🔓
    Charge satisfied #1
  29. 1997-07-15
    🔒
    Charge registered #3
    Lender: Olympian Trust
  30. 1997-06-05
    🔒
    Charge registered #2
    Lender: Lloyds Bank PLC
  31. 1996-10-07
    🔒
    Charge registered #1
    Lender: Ablemere Limited
  32. 1995-12-01
    ➕
    HAMMERSCHLAG, Pamela Heather appointed
    director
  33. 1995-12-01
    ➖
    STERN, Ralph resigned
    secretary
  34. 1995-12-01
    ➕
    SUNGLASSES WORLD LIMITED appointed
    corporate-secretary
  35. 1995-10-12
    🏢
    Company incorporated
    As FAIR FINANCE LIMITED
  36. 1995-10-12
    ➕
    HAMMERSCHLAG, Jeff Maurice appointed
    director
  37. 1995-10-12
    ➕
    STERN, Ralph appointed
    director
  38. 1995-10-12
    ➕
    STERN, Ralph appointed
    secretary
  39. 1995-10-12
    ➕
    HALLMARK SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  40. 1995-10-12
    ➖
    HALLMARK SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  41. 1995-10-12
    ➕
    HALLMARK REGISTRARS LIMITED appointed
    corporate-nominee-director
  42. 1995-10-12
    ➖
    HALLMARK REGISTRARS LIMITED resigned
    corporate-nominee-director

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 31 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 76 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 31 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
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Pamela Hammerschlag
Individual · British · DOB 08/1952 · age 74
25–50%
25–50%25-50% shares · 25-50% voting03/03/2021
Mr Jeff Maurice Hammerschlag
Individual · British · DOB 06/1950 · age 76
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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

Active · Financial services · WD postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
DELCAP ASSET MANAGEMENT LIMITED→
03280320 · est 1996 · no financials extracted
————29y——
DELTA Q TRADING LTD→
10819538 · est 2017 · no financials extracted
————8y——
EQUISURE UK LIMITED→
16516081 · est 2025 · no financials extracted
———————
FADDERS GLOBAL LTD→
11286689 · est 2018 · no financials extracted
————8y——
FAIRWAY FAMILY INVESTMENT COMPANY LIMITED→
11962500 · est 2019 · no financials extracted
————6y——
FIRST THOUGHT FINANCIAL LIMITED→
13836649 · est 2022 · no financials extracted
————4y——
FLAMING SILVER INVESTMENTS LIMITED→
11756658 · est 2019 · no financials extracted
————7y——
FORTACRE PRIVATE CREDIT LIMITED→
17015363 · est 2026 · no financials extracted
———————
FUNDAMENTAL ASSET MANAGEMENT LIMITED→
05089880 · est 2004 · no financials extracted
————22y——
FUNTECH GLOBAL COMMUNICATIONS LIMITED→
07979772 · est 2012 · no financials extracted
————14y——
FUSE CAPITAL GROUP LTD→
14680935 · est 2023 · no financials extracted
————3y——
FUSE THREE FINANCE LIMITED→
08707818 · est 2013 · 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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated1995-10-12
Jurisdictionengland-wales
Primary SIC64992 — SIC 64992

Registered office

Kinetic Centre
Theobald Street
Borehamwood
Hertfordshire
WD6 4PJ

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-08-25
Last: 2025-08-11

Officers (5 active · 4 resigned)

HAMMERSCHLAG, Pamela Heather→
secretary · appointed 2000-06-30
View their other companies + combined net worth →
Active
HAMMERSCHLAG, Jeff Maurice→
director · ~76y · appointed 1995-10-12
View their other companies + combined net worth →
Active
HAMMERSCHLAG, Pamela Heather→
director · ~74y · appointed 1995-12-01
View their other companies + combined net worth →
Active
NAJAR, David Elie→
director · ~43y · appointed 2025-09-15
View their other companies + combined net worth →
Active
STERN, Ralph→
director · ~74y · appointed 1995-10-12
View their other companies + combined net worth →
Active
STERN, Ralph→
secretary · appointed 1995-10-12 · resigned 1995-12-01
Resigned
HALLMARK SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 1995-10-12 · resigned 1995-10-12
Resigned
SUNGLASSES WORLD LIMITED→
corporate-secretary · appointed 1995-12-01 · resigned 2000-06-30
Resigned
HALLMARK REGISTRARS LIMITED→
corporate-nominee-director · appointed 1995-10-12 · resigned 1995-10-12
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

7
Total charges
1
Outstanding
1
Active lenders
Status:Lender:7 of 7 shown
TypeProperties
outstanding
Jeff Maurice Hammerschlag
Debenture1 property09/05/2001—
satisfied
Ablemere
Ablemere Limited
Debenture1 property09/05/200113/02/2018
satisfied
Bank Leumi (UK)
Bank Leumi (UK) PLC
Charge over credit balances1 property06/04/199919/04/2012
satisfied
Bank Leumi (UK)
Bank Leumi (UK) PLC
Debenture1 property06/04/199905/04/2012
satisfied
Olympian Trust
Debenture1 property15/07/199717/03/1999
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Debenture1 property05/06/199703/04/1999
satisfied
Ablemere
Ablemere Limited
Debenture1 property07/10/199627/06/1998
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (94 total)

appoint-person-director-company-with-name-date
officers · AP01
2025-09-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-08-12
confirmation-statement-with-updates
confirmation-statement · CS01
2022-08-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-08-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-16
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-03-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-03-16