ARIA FINANCE LIMITED
🌳Matureactive
04440152 · ltd · incorporated 2002-05-16
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
—
not disclosed
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Banks
Sector: Financial & insurance
Investor take
PursueActive trading company with a 66-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 77/100. Strong seller-intent signal (73/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
8 live charges · 5 lenders · oldest 19.1y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 19.1 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)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
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
15 officers (4 active, 15 linked, 11 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
17 connected companies via shared directors
90
Filing history
134 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (63 events)Click to expand
- 2025-10-02📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-10-02📄legacyaccounts · PARENT_ACC
- 2025-10-02📄legacyother · GUARANTEE2
- 2025-10-02📄legacyother · AGREEMENT2
- 2024-08-16📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-08-16📄legacyaccounts · PARENT_ACC
- 2024-08-16📄legacyother · AGREEMENT2
- 2024-08-16📄legacyother · GUARANTEE2
- 2023-09-14📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2023-09-14📄legacyaccounts · PARENT_ACC
- 2023-09-14📄legacyother · GUARANTEE2
- 2023-09-14📄legacyother · AGREEMENT2
- 2023-08-25📄change-person-director-company-with-change-dateofficers · CH01
- 2023-05-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-05-19➖WATERS, Danny Stephen resigneddirector
- 2023-05-17📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-03➕PRESTON, Mark appointeddirector
- 2022-12-31➖LANDY, Harry Leon resigneddirector
- 2022-11-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-11-23📄change-person-director-company-with-change-dateofficers · CH01
- 2022-11-23📄change-person-director-company-with-change-dateofficers · CH01
- 2022-11-16➕WATERS, Lucy Joanna appointeddirector
- 2022-09-02➖STEWART, David resigneddirector
- 2021-09-15🔓Charge satisfied #8
- 2021-09-15🔓Charge satisfied #7
- 2019-10-11➕HOGG, Stephen Andrew appointeddirector
- 2019-02-27🔒Charge registered #8Lender: Intermediate Capital Group PLC
- 2017-03-10🔒Charge registered #7Lender: Intermediate Capital Group PLC
- 2017-02-06➕STEWART, David appointeddirector
- 2016-03-05🔓Charge satisfied #3
- 2014-03-27➕GESTETNER, Emily Henrietta appointeddirector
- 2014-02-21🔓Charge satisfied #6
- 2014-02-17➕LANDY, Harry Leon appointeddirector
- 2012-12-21🔓Charge satisfied #4
- 2012-10-06🔓Charge satisfied #5
- 2012-08-17🔒Charge registered #6Lender: Danny Stephen Waters
- 2012-08-17🔒Charge registered #5Lender: Danny Stephen Waters
- 2012-07-20🔒Charge registered #4Lender: Danny Stephen Waters
- 2011-11-21🔒Charge registered #3Lender: Elstree Capital (General Partner) Limited
- 2010-06-16🔓Charge satisfied #2
- 2010-06-16🔓Charge satisfied #1
- 2009-11-27➖DEMPSEY, Joanne resignedsecretary
- 2009-11-27➖CLAPPER, Michael Antony resigneddirector
- 2009-11-27➖DEMPSEY, Joanne resigneddirector
- 2009-04-13➖ROSE, Paul resigneddirector
- 2008-12-19🔒Charge registered #2Lender: Promethean Investments Fund LP Acting by Its General Partner,Promethean Investments (General Partner) Limited
- 2008-09-11➕WATERS, Danny Stephen appointeddirector
- 2007-05-04🔒Charge registered #1Lender: Promethean Investments Fund L.P.
Showing most recent 50 of 63 events
Owner dependency
55/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 66 — succession pressure is live.
Succession & seller-readiness
73/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondary12+ year tenure: Director in role 12 years.
- 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
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Enra Specialist Finance Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Enra Specialist Finance Limited
Corporate parent · holds 75-100% shares · board control
⬇
ARIA FINANCE LIMITED
This company · 04440152
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Enra Specialist Finance Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 16/02/2017 |
1 historic (ceased) PSC
- January Loan Services Limitedceased 16/02/2017· 75-100% shares · 75-100% voting · board control
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 · WD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ABACUS LENDING SOLUTIONS LTD→ 11592055 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AIR INVESTMENT GROUP LTD→ 13439466 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ALTERNATIVE BRIDGING (MANAGEMENT) LIMITED→ 12280048 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AMANZI RESOURCES LIMITED→ 08062723 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| AMBRO CAPITAL LIMITED→ 05990677 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| ANJUMA LIMITED→ 11380866 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ANSH FINANCIAL SERVICES LTD→ 15575549 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AR MORTGAGE SERVICES LIMITED→ 09681123 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ARCA FINANCIAL LTD→ 13318238 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ARCAP FUNDING LTD→ 10810134 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ARCAP PARTNERS LTD→ 09378151 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ARJ CAPITAL INVESTMENTS LIMITED→ 12419690 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
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
Incorporated2002-05-16
Jurisdictionengland-wales
Primary SIC64191 — Banks
Registered office
Third Floor The Edward Hyde Building
38 Clarendon Road
Watford
WD17 1JW
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-18
Last: 2025-12-04
Officers (4 active · 11 resigned)
GESTETNER, Emily Henrietta→
Activedirector · ~59y · appointed 2014-03-27
View their other companies + combined net worth →
HOGG, Stephen Andrew→
Activedirector · ~44y · appointed 2019-10-11
View their other companies + combined net worth →
PRESTON, Mark→
Activedirector · ~66y · appointed 2023-04-03
View their other companies + combined net worth →
WATERS, Lucy Joanna→
Activedirector · ~40y · appointed 2022-11-16
View their other companies + combined net worth →
CLAPPER, Doreen→
Resignedsecretary · appointed 2002-05-16 · resigned 2007-04-12
DEMPSEY, Joanne→
Resignedsecretary · appointed 2007-04-12 · resigned 2009-11-27
CHALFEN SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-05-16 · resigned 2002-05-16
CLAPPER, Doreen→
Resigneddirector · ~78y · appointed 2002-10-01 · resigned 2007-04-12
CLAPPER, Michael Antony→
Resigneddirector · ~55y · appointed 2002-05-16 · resigned 2009-11-27
DEMPSEY, Joanne→
Resigneddirector · ~56y · appointed 2007-04-12 · resigned 2009-11-27
LANDY, Harry Leon→
Resigneddirector · ~48y · appointed 2014-02-17 · resigned 2022-12-31
ROSE, Paul→
Resigneddirector · ~77y · appointed 2002-11-01 · resigned 2009-04-13
STEWART, David→
Resigneddirector · ~61y · appointed 2017-02-06 · resigned 2022-09-02
WATERS, Danny Stephen→
Resigneddirector · ~42y · appointed 2008-09-11 · resigned 2023-05-19
CHALFEN NOMINEES LIMITED→
Resignedcorporate-nominee-director · appointed 2002-05-16 · resigned 2002-05-16
Click a director name to see their full track record across all companies.
Mortgages & charges
8
Total charges
0
Outstanding
0
Active lenders
Status:Lender:8 of 8 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Intermediate Capital Group Intermediate Capital Group PLC | A registered charge | 1 property | 27/02/2019 | 15/09/2021 | |
| satisfied | Intermediate Capital Group Intermediate Capital Group PLC | A registered charge | 1 property | 10/03/2017 | 15/09/2021 | |
| satisfied | Danny Stephen Waters | Sub-charge | 1 property | 17/08/2012 | 21/02/2014 | |
| satisfied | Danny Stephen Waters | Sub-charge | 1 property | 17/08/2012 | 06/10/2012 | |
| satisfied | Danny Stephen Waters | Sub charge | 1 property | 20/07/2012 | 21/12/2012 | |
| satisfied | Elstree Capital (General Partner) Elstree Capital (General Partner) Limited | Rent deposit deed | 1 property | 21/11/2011 | 05/03/2016 | |
| satisfied | Promethean Investments Fund LP Acting by Its General Partner,Promethean Investments (General Partner) Promethean Investments Fund LP Acting by Its General Partner,Promethean Investments (General Partner) Limited | Composite guarantee and debentures | 1 property | 19/12/2008 | 16/06/2010 | |
| satisfied | Promethean Investments Fund L.P. | Composite guarantee and debenture | 1 property | 04/05/2007 | 16/06/2010 |
Recent filings (134 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-05
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-10-02
legacy
accounts · PARENT_ACC
2025-10-02
legacy
other · GUARANTEE2
2025-10-02
legacy
other · AGREEMENT2
2025-10-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-18
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-08-16
legacy
accounts · PARENT_ACC
2024-08-16
legacy
other · AGREEMENT2
2024-08-16
legacy
other · GUARANTEE2
2024-08-16
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-18
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2023-09-14
legacy
accounts · PARENT_ACC
2023-09-14
legacy
other · GUARANTEE2
2023-09-14