ABN FINANCE & LEASING LIMITED

🌳Matureactive
04333261 · ltd · incorporated 2001-12-04
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
£108
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Financial leasing
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 61-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 61). 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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
6 officers (3 active, 6 linked, 4 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
71 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £108
Cash YoY
+25%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£4k
↑ 25% YoY
Net Worth
£108
↑ 116% YoY
Current Assets
—
Current Liabilities
—
-£667£273£1k£2k£3k£4kJul 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£108£-667
Cash£4.0k£3.2k
Net assets£108£-667

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2026-04-21
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-04-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2024-02-09
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2023-02-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2021-11-24
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2021-04-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2020-01-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2019-11-26
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2019-11-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2019-03-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2018-12-03
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2018-12-03
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2018-01-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  14. 2017-04-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-12-06
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2016-12-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2005-07-29
    ➖
    HEBRON, Andrew Mark resigned
    director
  18. 2001-12-04
    🏢
    Company incorporated
    As ABN FINANCE & LEASING LIMITED
  19. 2001-12-04
    ➕
    SHEAD, Brian Richard appointed
    secretary
  20. 2001-12-04
    ➕
    HARRIS, Neil Charles appointed
    director
  21. 2001-12-04
    ➕
    SHEAD, Brian Richard appointed
    director
  22. 2001-12-04
    ➕
    GRAEME, Dorothy May appointed
    nominee-secretary
  23. 2001-12-04
    ➖
    GRAEME, Dorothy May resigned
    nominee-secretary
  24. 2001-12-04
    ➕
    GRAEME, Lesley Joyce appointed
    nominee-director
  25. 2001-12-04
    ➖
    GRAEME, Lesley Joyce resigned
    nominee-director
  26. 2001-12-04
    ➕
    HEBRON, Andrew Mark appointed
    director

Owner dependency

76/100
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 24 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

76/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Neil Charles Harris
Individual · British · DOB 04/1971 · age 55
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Brian Richard Shead
Individual · British · DOB 04/1965 · age 61
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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

6 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
Incorporated2001-12-04
Jurisdictionengland-wales
Primary SIC64910 — Financial leasing

Registered office

19-20 Bourne Court Southend Road
Woodford Green
Essex
IG8 8HD
United Kingdom

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-12-18
Last: 2025-12-04

Officers (3 active · 3 resigned)

SHEAD, Brian Richard→
secretary · appointed 2001-12-04
View their other companies + combined net worth →
Active
HARRIS, Neil Charles→
director · ~55y · appointed 2001-12-04
View their other companies + combined net worth →
Active
SHEAD, Brian Richard→
director · ~61y · appointed 2001-12-04
View their other companies + combined net worth →
Active
GRAEME, Dorothy May→
nominee-secretary · appointed 2001-12-04 · resigned 2001-12-04
Resigned
GRAEME, Lesley Joyce→
nominee-director · ~73y · appointed 2001-12-04 · resigned 2001-12-04
Resigned
HEBRON, Andrew Mark→
director · ~61y · appointed 2001-12-04 · resigned 2005-07-29
Resigned

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

Recent filings (71 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-04-21
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-04-25
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-04
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-02-09
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-04
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-02-20
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-05
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-11-24
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-04-29
confirmation-statement-with-updates
confirmation-statement · CS01
2020-12-07
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-01-30
confirmation-statement-with-updates
confirmation-statement · CS01
2019-12-04
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2019-11-26