ADVANTA GROUP LIMITED
Opportunity 67/100 (strong), bankability 60/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: share sale to pe / searcher (38/100).
Refinance opportunity
1 live charge · oldest 17.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 17.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-04-30 | 2023-04-30 |
|---|---|---|
| Total assets | £90.3k | £99.9k |
| Current assets | £24.7k | £27.4k |
| Cash | £487 | £656 |
| Debtors | £4.2k | £1.7k |
| Net assets | £24.5k | £28.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 signals 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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (22 events)Click to expand
- 2025-04-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-12📄capital-name-of-class-of-sharescapital · SH08
- 2020-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-23📄change-person-director-company-with-change-dateofficers · CH01
- 2018-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-09-07📄capital-allotment-sharescapital · SH01
- 2017-09-07📄capital-allotment-sharescapital · SH01
- 2017-01-31📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-15📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2008-12-12🔒Charge registered #1Lender: Barclays Bank PLC
- 2001-04-28➖CFL DIRECTORS LIMITED resignedcorporate-nominee-director
- 2001-04-24➕METCALFE, Caroline Miriam appointedsecretary
- 2001-04-24➕METCALFE, Craig Jason appointeddirector
- 2001-04-24➖CFL SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2000-02-23🏢Company incorporatedAs ADVANTA GROUP LIMITED
- 2000-02-23➕CFL SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2000-02-23➕CFL DIRECTORS LIMITED appointedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 25 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.
Red flags
1 high ·Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2026-04-30
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Craig Jason Metcalfe Individual · British · DOB 04/1978 · age 48 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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9 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 →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
Registered office
Filing status
Officers (2 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 12/12/2008 | — |