INSURANCE SERVICES AND COMMERCIAL FINANCE LIMITED
⚰️Wound downdissolved
04183004 · ltd · incorporated 2001-03-20
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 24.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
64/100
Worth a look
What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed unclear — structural issues outweigh the discount.
Opportunity 64/100 (worth a look), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. 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: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 24.0y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 24.0 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (57/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (4 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
55 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
64/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
30
Concerning — overdue filings or status flags present.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
100
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 (33 events)Click to expand
- 2020-09-29📄gazette-dissolved-voluntarygazette · GAZ2(A)
- 2020-09-29🏁Company dissolved
- 2020-03-31📄gazette-notice-voluntarygazette · GAZ1(A)
- 2020-03-18📄dissolution-application-strike-off-companydissolution · DS01
- 2019-07-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-07-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-06-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-07📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-10-26📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-04-15📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-09-18📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-03-20📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-07-18📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2013-03-21📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-01-06📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2012-04-02📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2011-12-15📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2011-04-04📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2011-04-04📄change-person-director-company-with-change-dateofficers · CH01
- 2011-04-04📄change-person-secretary-company-with-change-dateofficers · CH03
- 2010-12-16📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2003-06-09🔒Charge registered #2Lender: Bexhill UK Limited
- 2002-05-29🔒Charge registered #1Lender: Yorkshire Bank PLC
- 2001-03-30➕MILLER, Natalie Claire appointedsecretary
- 2001-03-30➕MILLER, Anthony John appointeddirector
- 2001-03-30➕MILLER, David John appointeddirector
- 2001-03-30➕MILLER, Natalie Claire appointeddirector
- 2001-03-30➖TEMPLE SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2001-03-30➖COMPANY DIRECTORS LIMITED resignedcorporate-nominee-director
- 2001-03-20🏢Company incorporatedAs INSURANCE SERVICES AND COMMERCIAL FINANCE LIMITED
- 2001-03-20➕TEMPLE SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2001-03-20➕COMPANY DIRECTORS LIMITED appointedcorporate-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
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 81 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
90/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 25 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 high ·Company dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2020-09-29
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Natalie Claire Miller Individual · English · DOB 12/1981 · age 45 | — | — | sig. influencesignificant influence | 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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|---|---|---|---|---|---|---|---|
| AJ LEGACY INVESTMENTS LIMITED→ 16729457 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BURNLEY SAVINGS AND LOANS LIMITED→ 07640762 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CLEAR CHARGE CLAIMS LTD→ 16436279 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CORT BRADSHAW LIMITED→ 15539008 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| DARWEN TERRACOTTA TRUSTEE LIMITED→ 16963308 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| DAVID TELFORD MORTGAGES LTD→ 06416975 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| DEALVIC FINANCE LIMITED→ 00560794 · est 1956 · no financials extracted | — | — | — | — | 70y | — | — |
| DEVJAM PROPERTIES LTD→ 16361508 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| DIRECT INVESTMENT GROUP LTD→ 15908879 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| DWFX LTD→ 16770555 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ECO SURVEYS (NW) LTD→ 14915535 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| EDEN BAY INVESTMENTS LTD→ 16806872 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2001-03-20
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Registered office
339 Union Road
Oswaldtwistle
Accrington
BB5 3HS
Filing status
Accounts
Next due: —
Last made up to: 2019-03-31
Confirmation statement
Next due: —
Last: —
Officers (0 active · 2 resigned)
MILLER, Natalie Claire→
Activesecretary · appointed 2001-03-30
View their other companies + combined net worth →
MILLER, Anthony John→
Activedirector · ~50y · appointed 2001-03-30
View their other companies + combined net worth →
MILLER, David John→
Activedirector · ~81y · appointed 2001-03-30
View their other companies + combined net worth →
MILLER, Natalie Claire→
Activedirector · ~45y · appointed 2001-03-30
View their other companies + combined net worth →
TEMPLE SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2001-03-20 · resigned 2001-03-30
COMPANY DIRECTORS LIMITED→
Resignedcorporate-nominee-director · appointed 2001-03-20 · resigned 2001-03-30
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Bexhill UK Bexhill UK Limited | Debenture | 1 property | 09/06/2003 | — | |
| outstanding | Virgin Money Yorkshire Bank PLC | Debenture | 1 property | 29/05/2002 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (55 total)
gazette-dissolved-voluntary
gazette · GAZ2(A)
2020-09-29
gazette-notice-voluntary
gazette · GAZ1(A)
2020-03-31
dissolution-application-strike-off-company
dissolution · DS01
2020-03-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-07-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-03-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-06-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2018-03-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-07-27
confirmation-statement-with-updates
confirmation-statement · CS01
2017-04-03
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-06-30
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2016-04-07
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-10-26
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-04-15
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-09-18