ATF COMMERCIAL LIMITED
🌳Matureactive
03893366 · ltd · incorporated 1999-12-13
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 25.4y old — refinance window within 12 months
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Financial leasing
Sector: Financial & insurance
Investor take
PursueActive trading company with a 66-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 25.4y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 25.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (78/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
74 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Average employees | 600 | 600 |
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
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2026-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-09📄capital-return-purchase-own-sharescapital · SH03
- 2023-12-28📄capital-cancellation-sharescapital · SH06
- 2023-04-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-04-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-04-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-09-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-10-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2016-07-21📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2001-02-27🔒Charge registered #1Lender: Hsbc Bank PLC
- 1999-12-13🏢Company incorporatedAs ATF COMMERCIAL LIMITED
- 1999-12-13➕WATTS, Nicholas Gary Christopher appointedsecretary
- 1999-12-13➕CLEMINSON, Philip Richard appointeddirector
- 1999-12-13➕WATTS, Nicholas Gary Christopher appointeddirector
- 1999-12-13➕SAME-DAY COMPANY SERVICES LIMITED appointedcorporate-nominee-secretary
- 1999-12-13➖SAME-DAY COMPANY SERVICES LIMITED resignedcorporate-nominee-secretary
- 1999-12-13➕WILDMAN & BATTELL LIMITED appointedcorporate-nominee-director
- 1999-12-13➖WILDMAN & BATTELL LIMITED resignedcorporate-nominee-director
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 66 — succession pressure is live.
Succession & seller-readiness
86/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 27 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Philip Richard Cleminson Individual · British · DOB 06/1960 · age 66 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Nicholas Gary Christopher Watts Individual · British · DOB 06/1961 · age 65 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 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
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|---|---|---|---|---|---|---|---|
| CAPITALISED FINANCIAL LIMITED→ 13692368 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CELIA MASON WEALTH MANAGEMENT LTD→ 09707061 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CHANDLER HOUSE FINANCIAL PLANNING LTD→ 06974724 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| CLAYDON MORTGAGE SERVICES LIMITED→ 09237025 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| CREASY CONSULTING LIMITED→ 07961363 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| CTF INVESTMENTS LTD→ 15786800 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CURRENCY TRADING MADE EASY LTD→ 13771475 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| DAMCO (INVESTMENT SOLUTIONS) LIMITED→ 17018735 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| DANIEL OLUSEGUN LTD→ 16933183 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| DAVID BOOTH FINANCE LTD→ 09957149 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| DAY FINANCIAL PLANNING LTD→ 09970247 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| DEBENWOOD FINANCIAL PLANNING LTD→ 07157551 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
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
Incorporated1999-12-13
Jurisdictionengland-wales
Primary SIC64910 — Financial leasing
Registered office
52 London Road
Harleston
Norfolk
IP20 9BZ
England
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-04-12
Last: 2026-03-29
Officers (3 active · 2 resigned)
WATTS, Nicholas Gary Christopher→
Activesecretary · appointed 1999-12-13
View their other companies + combined net worth →
CLEMINSON, Philip Richard→
Activedirector · ~66y · appointed 1999-12-13
View their other companies + combined net worth →
WATTS, Nicholas Gary Christopher→
Activedirector · ~65y · appointed 1999-12-13
View their other companies + combined net worth →
SAME-DAY COMPANY SERVICES LIMITED→
Resignedcorporate-nominee-secretary · appointed 1999-12-13 · resigned 1999-12-13
WILDMAN & BATTELL LIMITED→
Resignedcorporate-nominee-director · appointed 1999-12-13 · resigned 1999-12-13
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc Bank PLC | Debenture | 1 property | 27/02/2001 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (74 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-04
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-11
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-09
capital-return-purchase-own-shares
capital · SH03
2024-01-09
capital-cancellation-shares
capital · SH06
2023-12-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-06
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-02