AVON COMMERCIAL FINANCE (UK) LIMITED

💤Zombieactive

04392934 · ltd · incorporated 2002-03-12

Investment thesis

Zombie company — trading but stalled; unlikely mover.

Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.

Why risky: No growth signal; thin margin for error on price.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2026

Net worth

—

book net assets

Opportunity

80/100

Exceptional

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (77/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

6 officers (1 active, 6 linked, 2 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

1 connected companies via shared directors

Filing history

58 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2026-03-31	2025-03-31
Average employees	1	100

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

filing

• 1 accounts

Last 90 days

filing

• 1 accounts

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (27 events)Click to expand

2026-06-19
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-06
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-19
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-11
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-11
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-04-09
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-10-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-04-09
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-09-25
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2016-04-07
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-04-06
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-11-07
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-03-18
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-10-15
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2009-01-05
➖
RIGHTON, William Matthew resigned
secretary
2004-02-02
➖
RIGHTON, Nicholas resigned
secretary
2004-02-02
➕
RIGHTON, William Matthew appointed
secretary
2004-02-02
➖
RIGHTON, Gillian Patricia resigned
director
2002-03-12
🏢
Company incorporated
As AVON COMMERCIAL FINANCE (UK) LIMITED
2002-03-12
➕
RIGHTON, Nicholas appointed
director
2002-03-12
➕
RIGHTON, Nicholas appointed
secretary
2002-03-12
➕
ASHBURTON REGISTRARS LIMITED appointed
corporate-nominee-secretary
2002-03-12
➖
ASHBURTON REGISTRARS LIMITED resigned
corporate-nominee-secretary
2002-03-12
➕
RIGHTON, Gillian Patricia appointed
director
2002-03-12
➕
AR NOMINEES LIMITED appointed
corporate-nominee-director
2002-03-12
➖
AR NOMINEES LIMITED resigned
corporate-nominee-director

Owner dependency

100/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS

+Sole director: Only one active director — all governance concentrated on one person.
+Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

95/100

Likely off-market candidate

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
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

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr Nicholas Righton Individual · British · DOB 03/1958 · age 68	75–100%	—	75-100% shares	01/06/2016

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.

See pricing →

Similar companies

Active · Financial services · CV postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ANGIE SMITH MORTGAGE SERVICES LTD→ 13322127 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
ANNETTS PROPERTY & FINANCE LIMITED→ 14644632 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
ASCENT FINANCIAL CONSULTING LIMITED→ 13648466 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
ASHLAWN INVESTMENTS LIMITED→ 12752735 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
ASHLEIGH COURT PRIVATE CLIENT WEALTH MANAGEMENT LIMITED→ 06724340 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
AVON INSURANCE PLC→ 00209606 · est 1925 · no financials extracted	—	—	—	—	100y	—	—
AVONHURST INVESTMENT BROKERS LIMITED→ 03971981 · est 2000 · no financials extracted	—	—	—	—	26y	—	—
AXE CAPITAL FS LTD→ 10517726 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
BALDERTON CAPITAL INVESTMENT LIMITED→ 16849588 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BANJO PARAPLANNING LIMITED→ 10100045 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
BARBUSS (UK) LIMITED→ 13014485 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
BARNES LINCOLN INVESTMENTS LIMITED→ 13636144 · est 2021 · no financials extracted	—	—	—	—	4y	—	—

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

Statusactive

Typeltd

Incorporated2002-03-12

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

35 Old Town Mews

Stratford Upon Avon

Warwickshire

CV37 6GP

Filing status

Accounts

Next due: 2027-12-31

Last made up to: 2026-03-31

Confirmation statement

Next due: 2027-03-26

Last: 2026-03-12

Officers (1 active · 5 resigned)

RIGHTON, Nicholas→

director · ~68y · appointed 2002-03-12

View their other companies + combined net worth →

Active

RIGHTON, Nicholas→

secretary · appointed 2002-03-12 · resigned 2004-02-02

Resigned

RIGHTON, William Matthew→

secretary · appointed 2004-02-02 · resigned 2009-01-05

Resigned

ASHBURTON REGISTRARS LIMITED→

corporate-nominee-secretary · appointed 2002-03-12 · resigned 2002-03-12

Resigned

RIGHTON, Gillian Patricia→

director · ~86y · appointed 2002-03-12 · resigned 2004-02-02

Resigned

AR NOMINEES LIMITED→

corporate-nominee-director · appointed 2002-03-12 · resigned 2002-03-12

Resigned

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