ABC FINANCE LIMITED

🌳Matureactive

03918844 · ltd · incorporated 2000-02-03

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

—

year to Aug 2024

Net worth

£23.8k

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle with a 79-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 79). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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

Lenders & charges

Confirmed no charges registered

Directors & officers

7 officers (3 active, 7 linked, 4 with DOB)

Ownership & PSC

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

Director network

4 connected companies via shared directors

Filing history

74 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

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.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Positive net assets

Net assets £23,807

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£24k

Current Assets

£149k

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2024-08-31	2023-08-31
Total assets	£81.3k	—
Current assets	£148.6k	—
Net assets	£23.8k	—
Average employees	—	1400

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

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (28 events)Click to expand

2025-05-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-18
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-10
📄
change-person-director-company-with-change-date
officers · CH01
2023-02-10
📄
change-person-secretary-company-with-change-date
officers · CH03
2022-10-07
📄
change-person-director-company-with-change-date
officers · CH01
2022-10-07
📄
change-person-secretary-company-with-change-date
officers · CH03
2022-10-07
📄
change-person-director-company-with-change-date
officers · CH01
2022-10-07
📄
change-person-director-company-with-change-date
officers · CH01
2022-05-16
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-05-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-05-24
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-05-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-04-10
📄
capital-name-of-class-of-shares
capital · SH08
2018-04-05
📄
resolution
resolution · RESOLUTIONS
2001-03-28
➕
HEMMING, Tina appointed
secretary
2001-03-28
➕
HEMMING, Tina appointed
director
2001-03-28
➖
ROGERS, Katerena Melvina Millar Abel resigned
secretary
2001-03-28
➖
ROGERS, Katerena Melvina Millar Abel resigned
director
2000-02-03
🏢
Company incorporated
As ABC FINANCE LIMITED
2000-02-03
➕
HEMMING, Peter John appointed
director
2000-02-03
➕
ROGERS, Katerena Melvina Millar Abel appointed
secretary
2000-02-03
➕
SCOTT, Stephen John appointed
nominee-secretary
2000-02-03
➖
SCOTT, Stephen John resigned
nominee-secretary
2000-02-03
➕
ROGERS, Katerena Melvina Millar Abel appointed
director
2000-02-03
➕
SCOTT, Jacqueline appointed
nominee-director
2000-02-03
➖
SCOTT, Jacqueline resigned
nominee-director

Owner dependency

91/100

Critical — business is the founder

The 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 26 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 79 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100

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 79 years old. Natural succession window is now.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 26 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

clean

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

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr Peter John Hemming Individual · British · DOB 07/1947 · age 79	50–75%	50–75%	board control50-75% shares · 50-75% voting · board control	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 · WS postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
12KNOW LIMITED→ 14359175 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
2ND CITY FINANCE LTD→ 13055699 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
3 OPTIONS LTD→ 16278185 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
42 WEALTH MANAGEMENT LTD→ 09873045 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
528 INVESTMENTS LIMITED→ 16106849 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
A S R FINANCIAL LIMITED→ 14663101 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
A T FINANCIAL SERVICES LTD→ 12628112 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
A&H PROPERTY PORTFOLIO LTD→ 12321325 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
ABBEY FINANCE (AP&JY) LIMITED→ 12457953 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
ABC INSURE LIMITED→ 15825117 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ACUITY FINANCIAL CONSULTANCY LIMITED→ 04680602 · est 2003 · no financials extracted	—	—	—	—	23y	—	—
ADVANCE FACTORS (UK) LTD→ 16298259 · est 2025 · no financials extracted	—	—	—	—	1y	—	—

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

Incorporated2000-02-03

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Point North Park Plaza

Heath Hayes

Cannock

Staffordshire

WS12 2DF

England

Filing status

Accounts

Next due: 2026-05-31

Last made up to: 2024-08-31

Confirmation statement

Next due: 2027-02-17

Last: 2026-02-03

Officers (3 active · 4 resigned)

HEMMING, Tina→

secretary · appointed 2001-03-28

View their other companies + combined net worth →

Active

HEMMING, Peter John→

director · ~79y · appointed 2000-02-03

View their other companies + combined net worth →

Active

HEMMING, Tina→

director · ~69y · appointed 2001-03-28

View their other companies + combined net worth →

Active

ROGERS, Katerena Melvina Millar Abel→

secretary · appointed 2000-02-03 · resigned 2001-03-28

Resigned

SCOTT, Stephen John→

nominee-secretary · appointed 2000-02-03 · resigned 2000-02-03

Resigned

ROGERS, Katerena Melvina Millar Abel→

director · ~56y · appointed 2000-02-03 · resigned 2001-03-28

Resigned

SCOTT, Jacqueline→

nominee-director · ~75y · appointed 2000-02-03 · resigned 2000-02-03

Resigned

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

Recent filings (74 total)

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-02-18

accounts-with-accounts-type-micro-entity

accounts · AA

2025-05-21

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-02-12

accounts-with-accounts-type-micro-entity

accounts · AA

2024-04-18

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-02-13

accounts-with-accounts-type-micro-entity

accounts · AA

2023-05-23

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-02-10

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

officers · CH01

2023-02-10

change-person-secretary-company-with-change-date

officers · CH03

2023-02-10

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

officers · CH01

2022-10-07

change-person-secretary-company-with-change-date

officers · CH03

2022-10-07

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

officers · CH01

2022-10-07

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

officers · CH01

2022-10-07

accounts-with-accounts-type-micro-entity

accounts · AA

2022-05-16

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-02-09