ADCOCK FINANCIAL LIMITED
🌳Matureactive
04268333 · ltd · incorporated 2001-08-10
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 24.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 70-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 70). 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
2 live charges · 2 lenders · oldest 24.7y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 24.7 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 (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
87 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.
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 (31 events)Click to expand
- 2025-06-09📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2025-06-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-05-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-05-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-05-13📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-05-13📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-13📄change-person-director-company-with-change-dateofficers · CH01
- 2024-07-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-29➖BUDD, Chris David resigneddirector
- 2024-02-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-07-31📄change-person-director-company-with-change-dateofficers · CH01
- 2023-07-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-12📄change-person-director-company-with-change-dateofficers · CH01
- 2022-12-08📄change-person-director-company-with-change-dateofficers · CH01
- 2022-12-08📄change-person-director-company-with-change-dateofficers · CH01
- 2022-12-08📄change-person-secretary-company-with-change-dateofficers · CH03
- 2022-07-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-07-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-01➕BUDD, Chris David appointeddirector
- 2019-11-18➕OLIVER-CRAWFORD, Lesa appointeddirector
- 2004-12-29🔓Charge satisfied #1
- 2004-11-30🔒Charge registered #2Lender: The Co-Operative Bank PLC
- 2001-09-28🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2001-08-10🏢Company incorporatedAs ADCOCK FINANCIAL LIMITED
- 2001-08-10➕OLIVER, Prudence Jane appointedsecretary
- 2001-08-10➕ADCOCK, Peter Jonathan appointeddirector
- 2001-08-10➕HALLMARK SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2001-08-10➖HALLMARK SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2001-08-10➕HALLMARK REGISTRARS LIMITED appointedcorporate-nominee-director
- 2001-08-10➖HALLMARK REGISTRARS LIMITED resignedcorporate-nominee-director
Owner dependency
98/100
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.
- +Founder name in company name: Company name contains director surname "ADCOCK" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 70 — succession pressure is live.
Succession & seller-readiness
96/100
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 70 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 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
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 |
|---|---|---|---|---|
Mr Peter Jonathan Adcock Individual · British · DOB 02/1956 · age 70 | 25–50% | 50–75% | 50-75% shares · 50-75% voting | 30/06/2016 |
Prudence Jane Oliver Individual · British · DOB 09/1945 · age 81 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 30/06/2016 |
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.
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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
Incorporated2001-08-10
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
10 Milton Court
Nottingham
Nottinghamshire
NG15 9BD
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-08-15
Last: 2025-08-01
Officers (3 active · 3 resigned)
OLIVER, Prudence Jane→
Activesecretary · appointed 2001-08-10
View their other companies + combined net worth →
ADCOCK, Peter Jonathan→
Activedirector · ~70y · appointed 2001-08-10
View their other companies + combined net worth →
OLIVER-CRAWFORD, Lesa→
Activedirector · ~59y · appointed 2019-11-18
View their other companies + combined net worth →
HALLMARK SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2001-08-10 · resigned 2001-08-10
BUDD, Chris David→
Resigneddirector · ~59y · appointed 2020-03-01 · resigned 2024-02-29
HALLMARK REGISTRARS LIMITED→
Resignedcorporate-nominee-director · appointed 2001-08-10 · resigned 2001-08-10
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Co-operative Bank The Co-Operative Bank PLC | Debenture | 1 property | 30/11/2004 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 28/09/2001 | 29/12/2004 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (87 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-11
change-account-reference-date-company-current-extended
accounts · AA01
2025-06-09
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-05-13
change-person-secretary-company-with-change-date
officers · CH03
2025-05-13
change-person-director-company-with-change-date
officers · CH01
2025-05-13
change-person-director-company-with-change-date
officers · CH01
2025-05-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-16
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-25
termination-director-company-with-name-termination-date
officers · TM01
2024-02-29
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-01
change-person-director-company-with-change-date
officers · CH01
2023-07-31
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-24
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-18