EQUITY INCOME & FINANCE LTD
⚰️Wound downdissolved
04455893 · ltd · incorporated 2002-06-06
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 23.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
50/100
Worth a look
What this business does
Primary activity: SIC 6522
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed unclear — structural issues outweigh the discount.
Opportunity 50/100 (worth a look), bankability 60/100. Strong seller-intent signal (63/100, director aged 79). 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: share sale to pe / searcher (58/100). Current lenders should be on monthly review.
🏦
Refinance opportunity
1 live charge · oldest 23.3y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 23.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: low (48/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
9 officers (2 active, 9 linked, 5 with DOB)
81
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
1 connected companies via shared directors
48
Filing history
47 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
50/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
10
Concerning — overdue filings or status flags present.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
49
Multiple red flags — proceed with caution.
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 (45 events)Click to expand
- 2021-01-12📄gazette-dissolved-compulsorygazette · GAZ2
- 2021-01-12🏁Company dissolved
- 2018-10-06📄dissolved-compulsory-strike-off-suspendeddissolution · DISS16(SOAS)
- 2018-09-04📄gazette-notice-compulsorygazette · GAZ1
- 2013-06-03⚠️liquidation-in-administration-automatic-end-of-caseinsolvency · 2.30B
- 2013-06-03⚠️liquidation-in-administration-progress-report-with-brought-down-dateinsolvency · 2.24B
- 2012-12-27⚠️liquidation-in-administration-progress-report-with-brought-down-dateinsolvency · 2.24B
- 2012-08-07⚠️liquidation-in-administration-result-creditors-meetinginsolvency · 2.23B
- 2012-07-19⚠️liquidation-in-administration-proposalsinsolvency · 2.17B
- 2012-07-18📄appoint-person-director-company-with-nameofficers · AP01
- 2012-06-07📍change-registered-office-address-company-with-date-old-addressaddress · AD01
- 2012-05-31⚠️liquidation-in-administration-appointment-of-administratorinsolvency · 2.12B
- 2012-05-09➕JOHNSON, Patricia appointeddirector
- 2012-03-01📄termination-director-company-with-nameofficers · TM01
- 2012-01-27➖JOHNSON, John resigneddirector
- 2011-09-13📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2011-03-31📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2010-08-26📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2010-08-26📄change-person-director-company-with-change-dateofficers · CH01
- 2010-08-09📄termination-director-company-with-nameofficers · TM01
- 2010-07-01➖EVANS, Roy Quentin Echlin resigneddirector
- 2010-03-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2010-03-04📄termination-director-company-with-nameofficers · TM01
- 2010-02-22➖BENTHAM, Michael Andrew resigneddirector
- 2009-10-09📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2009-08-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2009-02-24📄legacymortgage · 403a
- 2009-02-20🔓Charge satisfied #1
- 2008-08-01📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2008-06-26📄legacyannual-return · 363a
- 2007-07-13📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2004-03-31➕JOHNSON, Patricia appointedsecretary
- 2004-03-31➖DELL, Julie Rita resignedsecretary
- 2004-03-31➖DELL, Julie Rita resigneddirector
- 2003-01-27🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2002-06-13➕DELL, Julie Rita appointedsecretary
- 2002-06-13➖FORM 10 SECRETARIES FD LTD resignedcorporate-nominee-secretary
- 2002-06-13➕BENTHAM, Michael Andrew appointeddirector
- 2002-06-13➕DELL, Julie Rita appointeddirector
- 2002-06-13➕EVANS, Roy Quentin Echlin appointeddirector
- 2002-06-13➕JOHNSON, John appointeddirector
- 2002-06-13➖FORM 10 DIRECTORS FD LTD resignedcorporate-nominee-director
- 2002-06-06🏢Company incorporatedAs EQUITY INCOME & FINANCE LTD
- 2002-06-06➕FORM 10 SECRETARIES FD LTD appointedcorporate-nominee-secretary
- 2002-06-06➕FORM 10 DIRECTORS FD LTD appointedcorporate-nominee-director
Owner dependency
90/100
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
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder age: Director aged approximately 79 — succession pressure is live.
Succession & seller-readiness
98/100
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 79 years old. Natural succession window is now.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 14 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
2 high ·Company dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2021-01-12
6 insolvency-related filings on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2013-06-03: liquidation-in-administration-automatic-end-of-case; 2013-06-03: liquidation-in-administration-progress-report-with-brought-down-date
🔒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 · BL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A G MORTGAGES LIMITED→ 06008421 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| A LA CARTE FINANCIAL PLANNING LIMITED→ 06998826 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| ADVANTAGE INSURANCE CENTRES LIMITED→ 03117074 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| AIU GROUP LTD→ 15572328 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ALDERLEY MONEY LTD→ 12559586 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ALPHAFX INVESTMENTS LIMITED→ 14661259 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| APEX PARAPLANNING LIMITED→ 10727365 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| APOGEE TAX & COMPLIANCE LIMITED→ 08364832 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| AR PENSIONS LTD→ 11994357 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ARBOR LIMITED→ 04444562 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ATHERTON CONSULTANCY (NORTH WEST) LTD→ 07713503 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ATODRA INVESTMENTS LTD→ 14458402 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
11 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
Incorporated2002-06-06
Jurisdictionengland-wales
Primary SIC6522 — SIC 6522
Registered office
Hollins Mount
Hollins Lane
Bury
Lancashire
BL9 8DG
Filing status
Accounts
Next due: —
Last made up to: 2010-06-30
Confirmation statement
Next due: —
Last: —
Officers (0 active · 7 resigned)
Active
JOHNSON, Patricia→
Activedirector · ~79y · appointed 2012-05-09
View their other companies + combined net worth →
DELL, Julie Rita→
Resignedsecretary · appointed 2002-06-13 · resigned 2004-03-31
FORM 10 SECRETARIES FD LTD→
Resignedcorporate-nominee-secretary · appointed 2002-06-06 · resigned 2002-06-13
BENTHAM, Michael Andrew→
Resigneddirector · ~59y · appointed 2002-06-13 · resigned 2010-02-22
DELL, Julie Rita→
Resigneddirector · ~56y · appointed 2002-06-13 · resigned 2004-03-31
EVANS, Roy Quentin Echlin→
Resigneddirector · ~78y · appointed 2002-06-13 · resigned 2010-07-01
JOHNSON, John→
Resigneddirector · ~77y · appointed 2002-06-13 · resigned 2012-01-27
FORM 10 DIRECTORS FD LTD→
Resignedcorporate-nominee-director · appointed 2002-06-06 · resigned 2002-06-13
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Debenture | 1 property | 27/01/2003 | 20/02/2009 |
Recent filings (47 total)
gazette-dissolved-compulsory
gazette · GAZ2
2021-01-12
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2018-10-06
gazette-notice-compulsory
gazette · GAZ1
2018-09-04
liquidation-in-administration-automatic-end-of-case
insolvency · 2.30B
2013-06-03
liquidation-in-administration-progress-report-with-brought-down-date
insolvency · 2.24B
2013-06-03
liquidation-in-administration-progress-report-with-brought-down-date
insolvency · 2.24B
2012-12-27
liquidation-in-administration-result-creditors-meeting
insolvency · 2.23B
2012-08-07
liquidation-in-administration-proposals
insolvency · 2.17B
2012-07-19
appoint-person-director-company-with-name
officers · AP01
2012-07-18
change-registered-office-address-company-with-date-old-address
address · AD01
2012-06-07
liquidation-in-administration-appointment-of-administrator
insolvency · 2.12B
2012-05-31
termination-director-company-with-name
officers · TM01
2012-03-01
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2011-09-13
accounts-with-accounts-type-total-exemption-small
accounts · AA
2011-03-31
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2010-08-26