A L G FINANCE LIMITED

🌳Matureactive
04040097 · ltd · incorporated 2000-07-25
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 Jul 2025
Net worth
£2.14M
book net assets
Opportunity
75/100
Strong
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What this business does
Primary activity: Financial leasing
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 75/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

7 live charges · 7 lenders · oldest 20.5y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 20.5 years old — likely at or near maturity.
  • · 7 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

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
75
Lenders & charges
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 4 with DOB)
81
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
111 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £2,141,055
Cash YoY
+7307%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£379k
↑ 7307% YoY
Net Worth
£2.1m
↑ 19% YoY
Current Assets
£4.3m
↑ 8.5% YoY
Current Liabilities
—
£0£857k£1.7m£2.6m£3.4m£4.3mJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-07-312024-07-31
Total assets£3.09M£2.84M
Current assets£4.29M£3.95M
Cash£378.7k£5.1k
Debtors£3.91M£3.94M
Net assets£2.14M£1.80M

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
1
filing
  • • 1 confirmation-statement
Last 90 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (39 events)Click to expand
  1. 2026-03-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-04-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2024-02-12
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2023-12-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2023-12-18
    🔒
    Charge registered #7
    Lender: Npif Nw Debt LP Acting by North West Loans Npif Gp Limited as the General Partner of Npif Nw Debt LP Acting by Fw Capital Limited
  6. 2023-10-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2023-10-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2023-10-21
    🔓
    Charge satisfied #6
  9. 2023-10-21
    🔓
    Charge satisfied #5
  10. 2023-04-04
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2022-03-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2022-01-06
    📄
    capital-alter-shares-redemption-statement-of-capital
    capital · SH02
  13. 2021-03-21
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  14. 2020-03-06
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  15. 2019-02-13
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  16. 2018-09-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2018-09-11
    🔒
    Charge registered #6
    Lender: Npif Tvc Debt LP Acting by Tvc Loans Npif Gp Limited as the General Partner of Npif Tvc Debt LP Acting by Fw Capital Limited
  18. 2018-03-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2018-03-21
    🔒
    Charge registered #5
    Lender: Npif Tvc Debt LP Acting by Tvc Loans Npif Gp Limited as the General Partner of Npif Tvc Debt LP Acting by Fw Capital Limited.
  20. 2018-02-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  21. 2017-02-07
    ➕
    TAYLOR, Josy-Ann appointed
    director
  22. 2017-01-17
    🔓
    Charge satisfied #4
  23. 2017-01-17
    🔓
    Charge satisfied #3
  24. 2016-02-09
    ➖
    IOANNIDES, Antonios resigned
    secretary
  25. 2016-02-09
    ➖
    IOANNIDES, Antonios resigned
    director
  26. 2011-08-02
    ➖
    YOUNG, Graham Paul resigned
    director
  27. 2008-09-18
    🔒
    Charge registered #4
    Lender: Kingston Asset Finance
  28. 2008-03-03
    🔒
    Charge registered #3
    Lender: Kingston Asset Finance Limited
  29. 2007-01-15
    🔒
    Charge registered #2
    Lender: Siemens Financial Services Limited
  30. 2006-09-05
    ➕
    BERRY, Linus Jonathan appointed
    director
  31. 2005-11-10
    🔒
    Charge registered #1
    Lender: Hitachi Capital (UK) PLC
  32. 2000-08-15
    ➕
    IOANNIDES, Antonios appointed
    secretary
  33. 2000-08-15
    ➖
    CREDITREFORM SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  34. 2000-08-15
    ➕
    IOANNIDES, Antonios appointed
    director
  35. 2000-08-15
    ➕
    YOUNG, Graham Paul appointed
    director
  36. 2000-08-15
    ➖
    CREDITREFORM LIMITED resigned
    corporate-nominee-director
  37. 2000-07-25
    🏢
    Company incorporated
    As A L G FINANCE LIMITED
  38. 2000-07-25
    ➕
    CREDITREFORM SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  39. 2000-07-25
    ➕
    CREDITREFORM LIMITED appointed
    corporate-nominee-director

Owner dependency

68/100
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.
  • +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

59/100
Strong succession signal

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

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 20 years.
  • 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

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Linus Jonathan Berry
Individual · British · DOB 07/1976 · age 50
75–100%
—75-100% shares06/04/2016

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

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
Incorporated2000-07-25
Jurisdictionengland-wales
Primary SIC64910 — Financial leasing

Registered office

Onward Chambers
34 Market Street
Hyde
Cheshire
SK14 1AH
England

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-04-01
Last: 2026-03-18

Officers (2 active · 5 resigned)

BERRY, Linus Jonathan→
director · ~50y · appointed 2006-09-05
View their other companies + combined net worth →
Active
TAYLOR, Josy-Ann→
director · ~47y · appointed 2017-02-07
View their other companies + combined net worth →
Active
IOANNIDES, Antonios→
secretary · appointed 2000-08-15 · resigned 2016-02-09
Resigned
CREDITREFORM SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 2000-07-25 · resigned 2000-08-15
Resigned
IOANNIDES, Antonios→
director · ~67y · appointed 2000-08-15 · resigned 2016-02-09
Resigned
YOUNG, Graham Paul→
director · ~51y · appointed 2000-08-15 · resigned 2011-08-02
Resigned
CREDITREFORM LIMITED→
corporate-nominee-director · appointed 2000-07-25 · resigned 2000-08-15
Resigned

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

Mortgages & charges

7
Total charges
3
Outstanding
3
Active lenders
Status:Lender:7 of 7 shown
TypeProperties
outstanding
Npif Nw Debt LP Acting by North West Loans Npif Gp as the General Partner of Npif Nw Debt LP Acting by Fw Capital
Npif Nw Debt LP Acting by North West Loans Npif Gp Limited as the General Partner of Npif Nw Debt LP Acting by Fw Capital Limited
A registered charge2 properties18/12/2023—
satisfied
Npif Tvc Debt LP Acting by Tvc Loans Npif Gp as the General Partner of Npif Tvc Debt LP Acting by Fw Capital
Npif Tvc Debt LP Acting by Tvc Loans Npif Gp Limited as the General Partner of Npif Tvc Debt LP Acting by Fw Capital Limited
A registered charge—11/09/201821/10/2023
satisfied
Npif Tvc Debt LP Acting by Tvc Loans Npif Gp as the General Partner of Npif Tvc Debt LP Acting by Fw Capital .
Npif Tvc Debt LP Acting by Tvc Loans Npif Gp Limited as the General Partner of Npif Tvc Debt LP Acting by Fw Capital Limited.
A registered charge2 properties21/03/201821/10/2023
satisfied
Kingston Asset Finance
Block discounting agreement1 property18/09/200817/01/2017
satisfied
Kingston Asset Finance
Kingston Asset Finance Limited
Block discounting agreement1 property03/03/200817/01/2017
outstanding
Siemens Financial Services
Siemens Financial Services Limited
Block discounting agreement1 property15/01/2007—
outstanding
Hitachi Capital (UK)
Hitachi Capital (UK) PLC
Block discounting agreement1 property10/11/2005—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (111 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-09
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-03-26
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-04-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-22
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-02-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-12-20
mortgage-satisfy-charge-full
mortgage · MR04
2023-10-21
mortgage-satisfy-charge-full
mortgage · MR04
2023-10-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-04-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-25
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-03-25
capital-alter-shares-redemption-statement-of-capital
capital · SH02
2022-01-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-17