DIRECT AUTO FINANCE INSURANCE SERVICES LIMITED

⚰️Wound downdissolved
03834656 · ltd · incorporated 1999-09-01
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
🔒Estimated value
—
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Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
50/100
Worth a look
🔔
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What this business does
Primary activity: Non-trading company
Sector: Professional, scientific & technical
Investor take
Pass (distressed without resilience)
Distressed dormant / non-trading — structural issues outweigh the discount.

Opportunity 50/100 (worth a look), bankability 50/100. Strong seller-intent signal (63/100, director aged 68). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: share sale to pe / searcher (50/100). Current lenders should be on monthly review.

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
Confirmed no charges registered
85
Directors & officers
29 officers (3 active, 29 linked, 23 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
130 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
50/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
10
Concerning — overdue filings or status flags present.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
49
Multiple red flags — proceed with caution.
Signal strength
90
Good data coverage for analysis.

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 (77 events)Click to expand
  1. 2022-07-06
    ⚠️
    gazette-dissolved-liquidation
    gazette · GAZ2
  2. 2022-07-06
    🏁
    Company dissolved
  3. 2022-04-06
    ⚠️
    liquidation-voluntary-members-return-of-final-meeting
    insolvency · LIQ13
  4. 2021-08-07
    ⚠️
    liquidation-voluntary-appointment-of-liquidator
    insolvency · 600
  5. 2021-08-07
    📄
    resolution
    resolution · RESOLUTIONS
  6. 2021-08-07
    ⚠️
    liquidation-voluntary-declaration-of-solvency
    insolvency · LIQ01
  7. 2021-07-19
    📄
    legacy
    capital · SH20
  8. 2021-07-19
    📄
    capital-statement-capital-company-with-date-currency-figure
    capital · SH19
  9. 2021-07-19
    ⚠️
    legacy
    insolvency · CAP-SS
  10. 2021-07-19
    📄
    resolution
    resolution · RESOLUTIONS
  11. 2020-10-12
    📄
    accounts-with-accounts-type-full
    accounts · AA
  12. 2020-04-01
    ➕
    KAPUR, Neeraj appointed
    director
  13. 2020-04-01
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2020-03-31
    ➖
    THOMAS, Simon George resigned
    director
  15. 2020-03-31
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2019-09-23
    📄
    accounts-with-accounts-type-full
    accounts · AA
  17. 2018-12-05
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2018-12-05
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2018-12-03
    ➖
    FISHER, Andrew Charles resigned
    director
  20. 2018-12-03
    ➕
    THOMAS, Simon George appointed
    director
  21. 2018-08-15
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  22. 2018-07-27
    📄
    legacy
    miscellaneous · ANNOTATION
  23. 2018-07-16
    ➕
    WHINCUP, David George appointed
    secretary
  24. 2018-04-24
    📄
    accounts-with-accounts-type-full
    accounts · AA
  25. 2018-04-12
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  26. 2018-03-31
    ➖
    WATTS, Paula resigned
    secretary
  27. 2018-03-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  28. 2018-03-12
    ➕
    LE MAY, Malcolm John appointed
    director
  29. 2017-08-21
    ➖
    CROOK, Peter Stuart resigned
    director
  30. 2017-05-12
    ➖
    VERSLUYS, Emma Gayle resigned
    secretary
  31. 2017-05-12
    ➕
    WATTS, Paula appointed
    secretary
  32. 2009-12-31
    ➖
    PLOWMAN, Stephen Russell resigned
    director
  33. 2007-02-01
    ➕
    CROOK, Peter Stuart appointed
    director
  34. 2007-02-01
    ➕
    FISHER, Andrew Charles appointed
    director
  35. 2007-02-01
    ➖
    GLEN, Robert John resigned
    director
  36. 2007-02-01
    ➖
    LINDSEY, Ian Walter resigned
    director
  37. 2006-04-28
    ➖
    HARRISON, Richard resigned
    director
  38. 2006-04-28
    ➖
    SHAW, Simon Andrew resigned
    director
  39. 2006-02-03
    ➖
    COOPER, Julian Edward Peregrine resigned
    director
  40. 2006-02-03
    ➖
    MACLEOD, Gregory Ian resigned
    director
  41. 2006-02-03
    ➕
    PLOWMAN, Stephen Russell appointed
    director
  42. 2006-02-03
    ➖
    YATES, Stuart William resigned
    director
  43. 2005-12-31
    ➖
    JOHNSTONE, Christopher Charles resigned
    director
  44. 2005-12-22
    ➖
    PARSONAGE, Robert David resigned
    director
  45. 2005-12-22
    ➖
    WEBSTER, James Maxwell resigned
    director
  46. 2005-09-29
    ➖
    MARSHALL SMITH, Rosamond Joy resigned
    secretary
  47. 2005-09-29
    ➕
    VERSLUYS, Emma Gayle appointed
    secretary
  48. 2005-09-29
    ➕
    COOPER, Julian Edward Peregrine appointed
    director
  49. 2005-09-29
    ➕
    GLEN, Robert John appointed
    director
  50. 2005-09-29
    ➕
    HARRISON, Richard appointed
    director
Showing most recent 50 of 77 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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

66/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondaryStable-but-static management: Company is 27 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

2 high ·
Company dissolved
high

Company has been dissolved — it no longer legally exists. Any diligence here is historical only.

Evidence: Dissolved on 2022-07-06

5 insolvency-related filings on record
high

Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.

Evidence: 2022-07-06: gazette-dissolved-liquidation; 2022-04-06: liquidation-voluntary-members-return-of-final-meeting

Group structure

Provident Financial Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Provident Financial Plc
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
DIRECT AUTO FINANCE INSURANCE SERVICES LIMITED
This company · 03834656

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%
NameSharesVoting rightsNature of controlNotified
Provident Financial Plc
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

10 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

Statusdissolved
Typeltd
Incorporated1999-09-01
Jurisdictionengland-wales
Primary SIC74990 — Non-trading company

Registered office

No. 1 Godwin Street
Bradford
West Yorkshire
BD1 2SU

Filing status

Accounts
Next due: —
Last made up to: 2019-12-31
Confirmation statement
Next due: —
Last: —

Officers (0 active · 26 resigned)

WHINCUP, David George→
secretary · appointed 2018-07-16
View their other companies + combined net worth →
Active
KAPUR, Neeraj→
director · ~61y · appointed 2020-04-01
View their other companies + combined net worth →
Active
LE MAY, Malcolm John→
director · ~68y · appointed 2018-03-12
View their other companies + combined net worth →
Active
DWYER, Daniel John→
nominee-secretary · appointed 1999-09-01 · resigned 1999-09-01
Resigned
MARSHALL SMITH, Rosamond Joy→
secretary · appointed 2002-12-18 · resigned 2005-09-29
Resigned
MEYRICK, Stephen John→
secretary · appointed 1999-09-01 · resigned 2002-12-18
Resigned
VERSLUYS, Emma Gayle→
secretary · appointed 2005-09-29 · resigned 2017-05-12
Resigned
WATTS, Paula→
secretary · appointed 2017-05-12 · resigned 2018-03-31
Resigned
COOPER, Julian Edward Peregrine→
director · ~64y · appointed 2005-09-29 · resigned 2006-02-03
Resigned
CROOK, Peter Stuart→
director · ~63y · appointed 2007-02-01 · resigned 2017-08-21
Resigned
DOYLE, Betty June→
nominee-director · ~90y · appointed 1999-09-01 · resigned 1999-09-01
Resigned
DWYER, Daniel John→
nominee-director · ~85y · appointed 1999-09-01 · resigned 1999-09-01
Resigned
FARBRIDGE, Caroline Louise→
director · ~60y · appointed 2002-12-18 · resigned 2004-07-07
Resigned
FISHER, Andrew Charles→
director · ~68y · appointed 2007-02-01 · resigned 2018-12-03
Resigned
GLEN, Robert John→
director · ~64y · appointed 2005-09-29 · resigned 2007-02-01
Resigned
HARRISON, Richard→
director · ~58y · appointed 2005-09-29 · resigned 2006-04-28
Resigned
JOHNSTONE, Christopher Charles→
director · ~67y · appointed 2005-05-11 · resigned 2005-12-31
Resigned
LINDSEY, Ian Walter→
director · ~80y · appointed 2005-08-17 · resigned 2007-02-01
Resigned
MACLEOD, Gregory Ian→
director · ~66y · appointed 2005-09-29 · resigned 2006-02-03
Resigned
MARSHALL SMITH, Rosamond Joy→
director · ~67y · appointed 2002-12-18 · resigned 2004-07-07
Resigned

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

Recent filings (130 total)

gazette-dissolved-liquidation
gazette · GAZ2
2022-07-06
liquidation-voluntary-members-return-of-final-meeting
insolvency · LIQ13
2022-04-06
liquidation-voluntary-appointment-of-liquidator
insolvency · 600
2021-08-07
resolution
resolution · RESOLUTIONS
2021-08-07
liquidation-voluntary-declaration-of-solvency
insolvency · LIQ01
2021-08-07
legacy
capital · SH20
2021-07-19
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2021-07-19
legacy
insolvency · CAP-SS
2021-07-19
resolution
resolution · RESOLUTIONS
2021-07-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-14
accounts-with-accounts-type-full
accounts · AA
2020-10-12
appoint-person-director-company-with-name-date
officers · AP01
2020-04-01
termination-director-company-with-name-termination-date
officers · TM01
2020-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-10