ADVANTAGE FINANCE LIMITED

🌳Matureactive

03773673 · ltd · incorporated 1999-05-14

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

81/100

Exceptional

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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

Pursue

Active trading company with a 74-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 74). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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

Lenders & charges

Confirmed no charges registered

Directors & officers

28 officers (14 active, 28 linked, 23 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

20 connected companies via shared directors

Filing history

140 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

81/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

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.

Recent activity

Last 30 days

filings

• 1 accounts
• 1 confirmation-statement

Last 90 days

filings

• 1 accounts
• 1 confirmation-statement

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (61 events)Click to expand

2026-05-30
📄
accounts-with-accounts-type-full
accounts · AA
2025-08-08
➕
FRECKELTON, Chris Keith appointed
director
2025-08-08
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-05-30
➕
BHOGAL, Manjeet Kaur appointed
secretary
2025-05-30
➖
REDFORD, Christopher Hugh resigned
secretary
2025-05-30
➖
REDFORD, Christopher Hugh resigned
director
2025-05-30
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-05-30
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2025-05-30
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2025-05-20
📄
accounts-with-accounts-type-full
accounts · AA
2024-12-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-12-17
➖
WILKINSON, Shaun resigned
director
2024-11-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-10-31
➖
WALKER, Michael resigned
director
2024-05-13
📄
accounts-with-accounts-type-full
accounts · AA
2024-02-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-01-31
➖
WHEELER, Thomas Graham resigned
director
2023-12-07
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-12-05
➕
WERNER, Karl Donald appointed
director
2023-06-01
📄
accounts-with-accounts-type-full
accounts · AA
2023-03-28
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-03-17
➖
TAYLOR, Wayne Richard resigned
director
2023-01-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-01-17
➕
DOWNING, Lynn appointed
director
2022-05-18
📄
accounts-with-accounts-type-full
accounts · AA
2021-06-03
📄
auditors-resignation-company
auditors · AUD
2021-05-10
📄
accounts-with-accounts-type-full
accounts · AA
2020-06-05
📄
change-person-director-company-with-change-date
officers · CH01
2020-05-06
➕
DOWNING, John Antony appointed
director
2020-01-31
➖
THOMPSON, John Guy resigned
director
2019-10-01
➕
WHEELER, Thomas Graham appointed
director
2019-02-06
➕
GREENSIDES, Nicholas David appointed
director
2019-02-06
➕
VESSEY, David William appointed
director
2019-02-06
➕
TAYLOR, Wayne Richard appointed
director
2018-05-01
➖
WILKINSON, Helen April resigned
director
2017-02-06
➕
SANDIFORD, David appointed
director
2015-12-01
➕
WALKER, Michael appointed
director
2012-02-29
➕
WILKINSON, Shaun appointed
director
2008-05-16
➖
COOMBS, Derek Michael resigned
director
2008-03-01
➖
SIZER, Martin Graham resigned
director
2007-02-01
➕
MURDOCH, James appointed
director
2006-10-05
➕
BURTON, Beverley Ann appointed
director
2006-10-05
➕
TUPLIN, Alan appointed
director
2005-12-01
➕
WILKINSON, Helen April appointed
director
2004-03-01
➖
MAIDEN, Edward David resigned
secretary
2004-03-01
➕
REDFORD, Christopher Hugh appointed
secretary
2002-04-09
➕
CHARLTON, Keith James appointed
director
2002-02-14
➖
FISHER, Robert Eric John resigned
director
2000-01-21
➕
REDFORD, Christopher Hugh appointed
director
1999-05-14
🏢
Company incorporated
As ADVANTAGE FINANCE LIMITED

Showing most recent 50 of 61 events

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

-13 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 74 — 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 74 years old. Natural succession window is now.
primary20+ year tenure: Director in role 27 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

clean

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

Group structure

S & U Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

S & U Plc

Corporate parent · holds 75-100% shares

ultimate parent

⬇

ADVANTAGE FINANCE LIMITED

This company · 03773673

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
S & U Plc Corporate entity	75–100%	—	75-100% shares	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

Active · Financial services · B postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ADVANCE CAPITAL INVESTMENT LTD→ 15813464 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ADVANCED INSURANCE CONSULTANTS LIMITED→ 04918171 · est 2003 · no financials extracted	—	—	—	—	22y	—	—
ADVICE WISE LTD→ 11678145 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
AE AUTO ENROLMENT LIMITED→ 09310563 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
AEX CONSULTANCY LIMITED→ 09824103 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
AGE CONCERN SOLIHULL TRADING LIMITED→ 02908140 · est 1994 · no financials extracted	—	—	—	—	32y	—	—
AGR ACQUISITIONS LTD→ 12048090 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
AIREDALE INVESTMENT HOLDINGS→ 17037038 · est 2026 · no financials extracted	—	—	—	—	—	—	—
AJ SECURA LTD→ 14366856 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
AJC WEALTH MANAGEMENT LIMITED→ 11177229 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
AJJ INVESTMENTS LIMITED→ 11063966 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
AJY 123 LIMITED→ 10215670 · 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.

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Company details

Statusactive

Typeltd

Incorporated1999-05-14

Jurisdictionengland-wales

Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

2 Stratford Court C/O S&U Plc Cranmore Boulevard

Shirley

Solihull

B90 4QT

England

Filing status

Accounts

Next due: 2027-10-31

Last made up to: 2026-02-05

Confirmation statement

Next due: 2027-05-28

Last: 2026-05-14