ADVANTAGE FINANCE & LEASING LIMITED

🌳Matureactive

03395285 · ltd · incorporated 1997-06-30

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

£-2.0k

book net assets

Opportunity

79/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Financial leasing

Sector: Financial & insurance

ALSO REGISTERED FOR

64921Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
64999Financial intermediation not elsewhere classified
74909Other professional, scientific and technical activities n.e.c.

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 75). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (83/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 4 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

15 officers (3 active, 15 linked, 13 with DOB)

Ownership & PSC

3 active PSC(s) of 5 total, 5 with control declared

Director network

16 connected companies via shared directors

Filing history

141 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

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

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Negative net assets

Liabilities exceed assets by £1,972

Cash YoY

+0%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£1k

~ YoY

Net Worth

-£2k

↓ 45% YoY

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2024-12-31	2023-12-31
Total assets	£-2.0k	£-1.4k
Cash	£1.0k	£1.0k
Net assets	£-2.0k	£-1.4k

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

filings

Last 90 days

filings

• 1 confirmation-statement
• 1 officers

Last 180 days

filings

• 1 confirmation-statement
• 1 officers

Counts from Companies House filing history.

Corporate timeline (49 events)Click to expand

2026-03-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-03-02
➖
SIDI-BOUMEDINE, Tarek El Waffa resigned
director
2025-09-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-13
📄
change-person-director-company-with-change-date
officers · CH01
2024-09-13
📄
change-person-director-company-with-change-date
officers · CH01
2024-09-13
📄
change-person-director-company-with-change-date
officers · CH01
2024-09-13
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-09-13
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-09-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-09-13
📄
change-person-director-company-with-change-date
officers · CH01
2024-09-12
➕
BANGA, Ravindar Singh appointed
director
2024-05-14
📄
change-person-director-company-with-change-date
officers · CH01
2023-09-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-03-28
➕
SIDI-BOUMEDINE, Tarek El Waffa appointed
director
2023-03-15
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-03-15
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-03-15
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-12-04
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-12-03
➖
COOK, Mark resigned
director
2022-09-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-26
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-08-25
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-08-25
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2021-09-07
➕
COOK, Mark appointed
director
2017-10-25
➕
NAGRA, Harminder appointed
director
2017-01-04
➖
ARIF, Saleem resigned
director
2015-06-09
➕
BANGA, Rinku appointed
director
2014-11-24
➖
BANGA, Rinku resigned
director
2013-09-06
➕
ARIF, Saleem appointed
director
2013-09-06
➕
BANGA, Rinku appointed
director
2013-09-06
➖
CHOWDHURY, Sarbari resigned
director
2013-08-30
➖
BANGA, Harjinder Kaur resigned
director
2013-08-30
➖
BANGA, Kewal Ravi resigned
director
2013-08-30
➕
CHOWDHURY, Sarbari appointed
director
2012-01-04
➖
BANGA, Harjinder Kaur resigned
secretary
2011-06-30
➖
VIRDI, Gurdip Singh resigned
director
2006-12-19
➕
VIRDI, Gurdip Singh appointed
director
1998-01-01
➕
BANGA, Harjinder Kaur appointed
secretary
1997-12-31
➖
BANGA, Ravinder Singh resigned
director
1997-06-30
🏢
Company incorporated
As ADVANTAGE FINANCE & LEASING LIMITED
1997-06-30
➕
HEANUE, Ashlynn appointed
nominee-secretary
1997-06-30
➖
HEANUE, Ashlynn resigned
nominee-secretary
1997-06-30
➕
BANGA, Harjinder Kaur appointed
director
1997-06-30
➕
BANGA, Kewal Ravi appointed
director
1997-06-30
➕
BANGA, Ravinder Singh appointed
director
1997-06-30
➕
BUTLER, Mark appointed
nominee-director
1997-06-30
➖
BUTLER, Mark resigned
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

+Founder age: Director aged approximately 75 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

65/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

3 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mrs Harjinder Kaur Banga Individual · British · DOB 07/1956 · age 70	25–50%	—	25-50% shares	15/03/2023
Mr Ravindar Singh Banga Individual · British · DOB 09/1951 · age 75	25–50%	—	25-50% shares	15/03/2023
Miss Rinku Banga Individual · British · DOB 10/1982 · age 44	25–50%	25–50%	25-50% shares · 25-50% voting	12/10/2016

2 historic (ceased) PSCs

B4u Group Public Limited Companyceased 15/03/2023· 50-75% shares · 50-75% voting
Mr Saleem Arifceased 14/10/2016· significant influence · trust interest · firm interest

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 →

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369 CAPITAL PARTNERS LTD→ 16963663 · est 2026 · no financials extracted	—	—	—	—	—	—	—
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A G WEALTH MANAGEMENT LTD→ 07897776 · est 2012 · no financials extracted	—	—	—	—	14y	—	—
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AMBER FINANCIAL ADVICE LIMITED→ 08984369 · est 2014 · no financials extracted	—	—	—	—	12y	—	—
ANDREW PHILLIPS INSURANCE BROKERS LTD→ 07454903 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
ARLINGTON JONES LIMITED→ 16673343 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ATHENA FIDUCIARIES LIMITED→ 09221964 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
ATHENA FIDUCIARY MANAGEMENT LIMITED→ 11641601 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
ATTICUS RISK SOLUTIONS LIMITED→ 13675511 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
AUCTUS FINANCE LTD→ 10252308 · est 2016 · no financials extracted	—	—	—	—	9y	—	—

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

Incorporated1997-06-30

Jurisdictionengland-wales

Primary SIC64910 — Financial leasing

Registered office

Admiral House

Waterfront East

Brierley Hill

West Midlands

DY5 1XG

England

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-03-29

Last: 2026-03-15

Officers (3 active · 12 resigned)

BANGA, Ravindar Singh→

director · ~75y · appointed 2024-09-12

View their other companies + combined net worth →

Active

BANGA, Rinku→

director · ~44y · appointed 2015-06-09

View their other companies + combined net worth →

Active

NAGRA, Harminder→

director · ~43y · appointed 2017-10-25

View their other companies + combined net worth →

Active

BANGA, Harjinder Kaur→

secretary · appointed 1998-01-01 · resigned 2012-01-04

Resigned

HEANUE, Ashlynn→

nominee-secretary · appointed 1997-06-30 · resigned 1997-06-30

Resigned

ARIF, Saleem→

director · ~62y · appointed 2013-09-06 · resigned 2017-01-04

Resigned

BANGA, Harjinder Kaur→

director · ~70y · appointed 1997-06-30 · resigned 2013-08-30

Resigned

BANGA, Kewal Ravi→

director · ~47y · appointed 1997-06-30 · resigned 2013-08-30

Resigned

BANGA, Ravinder Singh→

director · ~75y · appointed 1997-06-30 · resigned 1997-12-31

Resigned

BANGA, Rinku→

director · ~44y · appointed 2013-09-06 · resigned 2014-11-24

Resigned

BUTLER, Mark→

nominee-director · ~62y · appointed 1997-06-30 · resigned 1997-06-30

Resigned

CHOWDHURY, Sarbari→

director · ~50y · appointed 2013-08-30 · resigned 2013-09-06

Resigned

COOK, Mark→

director · ~73y · appointed 2021-09-07 · resigned 2022-12-03

Resigned

SIDI-BOUMEDINE, Tarek El Waffa→

director · ~54y · appointed 2023-03-28 · resigned 2026-03-02

Resigned

VIRDI, Gurdip Singh→

director · ~51y · appointed 2006-12-19 · resigned 2011-06-30

Resigned

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

Recent filings (141 total)

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-03-18

termination-director-company-with-name-termination-date

officers · TM01

2026-03-06

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-09-29

confirmation-statement-with-updates

confirmation-statement · CS01

2025-04-02

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-09-26

change-person-director-company-with-change-date

officers · CH01

2024-09-13

change-person-director-company-with-change-date

officers · CH01

2024-09-13

change-person-director-company-with-change-date

officers · CH01

2024-09-13

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2024-09-13

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2024-09-13

appoint-person-director-company-with-name-date

officers · AP01

2024-09-13

change-person-director-company-with-change-date

officers · CH01

2024-09-13

change-person-director-company-with-change-date

officers · CH01

2024-05-14

confirmation-statement-with-updates

confirmation-statement · CS01

2024-04-04

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-09-28