CAR BENEFIT FINANCE LIMITED
🌳Matureactive
04721345 · ltd · incorporated 2003-04-02
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
PursueActive trading company with a 77-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 77). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).
🏦
Refinance opportunity
51 live charges · 9 lenders · oldest 20.2y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 20.2 years old — likely at or near maturity.
- · 9 lenders named — inter-creditor friction likely.
- · Legal-friction score 50/100 (high).
Data confidence
Overall: medium (60/100)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
51 charges (51/51 with lender, 51/51 with type)
90
Directors & officers
8 officers (5 active, 8 linked, 5 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
116 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (77 events)Click to expand
- 2025-09-22📄accounts-with-accounts-type-smallaccounts · AA
- 2024-09-23📄accounts-with-accounts-type-smallaccounts · AA
- 2023-10-02📄accounts-with-accounts-type-smallaccounts · AA
- 2022-09-27📄accounts-with-accounts-type-fullaccounts · AA
- 2021-09-29📄accounts-with-accounts-type-fullaccounts · AA
- 2020-12-31📄accounts-with-accounts-type-fullaccounts · AA
- 2019-10-11📄accounts-with-accounts-type-fullaccounts · AA
- 2018-10-08📄accounts-with-accounts-type-fullaccounts · AA
- 2017-07-20📄accounts-with-accounts-type-fullaccounts · AA
- 2016-09-30📄accounts-with-accounts-type-fullaccounts · AA
- 2016-06-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2016-06-13🔒Charge registered #51Lender: Ald Automotive Limited
- 2016-04-28📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-04-06📄auditors-resignation-companyauditors · AUD
- 2015-06-15📄accounts-with-accounts-type-fullaccounts · AA
- 2015-04-03➖O'NEILL, Gerard Gregory resigneddirector
- 2014-03-20🔒Charge registered #50Lender: Ald AUT0MOTIVE Limited
- 2012-09-24🔒Charge registered #49Lender: Close Leasing Limited
- 2012-09-24🔒Charge registered #48Lender: Close Leasing Limited
- 2012-06-25🔒Charge registered #47Lender: Close Leasing Limited
- 2012-05-29🔒Charge registered #46Lender: Close Leasing Limited
- 2012-03-28🔒Charge registered #45Lender: Close Leasing Limited
- 2012-02-24🔒Charge registered #44Lender: Close Leasing Limited
- 2012-02-10🔒Charge registered #43Lender: Close Leasing Limited
- 2012-01-18🔒Charge registered #42Lender: Close Leasing Limited
- 2011-12-19🔒Charge registered #41Lender: Close Leasing Limited
- 2011-10-31🔒Charge registered #40Lender: Close Leasing Limited
- 2011-10-14🔒Charge registered #39Lender: Close Leasing Limited
- 2011-09-28🔒Charge registered #38Lender: Close Leasing Limited
- 2011-06-28🔒Charge registered #37Lender: Close Leasing Limited
- 2011-06-28🔒Charge registered #36Lender: Close Leasing Limited
- 2011-05-26🔒Charge registered #35Lender: Hitachi Capital (UK) PLC
- 2011-05-11🔒Charge registered #34Lender: Close Leasing Limited (Purchaser)
- 2011-04-27🔒Charge registered #33Lender: Close Leasing Limited (Assignee)
- 2011-04-27🔒Charge registered #32Lender: Close Leasing Limited (Purchaser)
- 2011-04-27🔒Charge registered #31Lender: Close Leasing Limited (Purchaser)
- 2011-04-27🔒Charge registered #30Lender: Close Leasing Limited (Assignee)
- 2011-04-27🔒Charge registered #29Lender: Close Leasing Limited
- 2011-04-27🔒Charge registered #28Lender: Close Leasing Limited
- 2011-04-27🔒Charge registered #26Lender: Close Leasing Limited
- 2011-04-24🔒Charge registered #27Lender: Close Leasing Limited
- 2011-03-04🔒Charge registered #25Lender: Hitachi Capital (UK) PLC
- 2011-03-04🔒Charge registered #24Lender: Hitachi Capital (UK) PLC
- 2011-03-04🔒Charge registered #23Lender: Hitachi Capital (UK) PLC
- 2011-03-04🔒Charge registered #22Lender: Hitachi Capital (UK) PLC
- 2011-03-04🔒Charge registered #21Lender: Hitachi Capital (UK) PLC
- 2011-03-04🔒Charge registered #20Lender: Hitachi Capital (UK) PLC
- 2011-02-04🔒Charge registered #19Lender: Hitachi Capital (UK) PLC
- 2011-02-04🔒Charge registered #18Lender: Hitachi Capital (UK) PLC
- 2009-12-14🔒Charge registered #17Lender: United Dominions Trust Limited
Showing most recent 50 of 77 events
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 77 — succession pressure is live.
Succession & seller-readiness
90/100
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 77 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 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 low51 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Car Benefit Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Car Benefit Holdings Limited
Corporate parent · holds 75-100% shares
⬇
CAR BENEFIT FINANCE LIMITED
This company · 04721345
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 |
|---|---|---|---|---|
Car Benefit Holdings Limited Corporate entity | 75–100% | — | 75-100% shares | 06/04/2016 |
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 →Similar companies
Active · Financial services · BL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALPHAFX INVESTMENTS LIMITED→ 14661259 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| AURIX CAPITAL LTD→ 16696636 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BARKER MORTGAGES LTD→ 13967372 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| BARNESFIELD INVESTMENTS LTD→ 16998303 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BKSJ LIMITED→ 06909301 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| BLACKCROWN INVESTMENTS LIMITED→ 16963321 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| C & A HEALTHCARE LIMITED→ 07179001 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| C HESLOP FINANCIAL SERVICES LIMITED→ 06578625 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| CAPGEN WEALTH MANAGEMENT LTD→ 16299018 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CAPITAL & MANAGEMENT SERVICES LIMITED→ 03023173 · est 1995 · no financials extracted | — | — | — | — | 31y | — | — |
| CAR BENEFIT LOANS LIMITED→ 04837876 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| CARFINANCE123 LTD→ 13811791 · 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
Incorporated2003-04-02
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
The Barracks
400 Bolton Road
Bury
Lancashire
BL8 2DA
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-04-24
Last: 2026-04-10
Officers (5 active · 3 resigned)
TAYLOR, Paul Stephen→
Activesecretary · appointed 2005-11-22
View their other companies + combined net worth →
DAVIES, Neil Kevin→
Activedirector · ~62y · appointed 2003-04-02
View their other companies + combined net worth →
MAGUIRE, Martin Joseph→
Activedirector · ~59y · appointed 2003-04-02
View their other companies + combined net worth →
STUDHOLME, Dennis→
Activedirector · ~77y · appointed 2003-04-02
View their other companies + combined net worth →
TAYLOR, Paul Stephen→
Activedirector · ~51y · appointed 2005-11-22
View their other companies + combined net worth →
STUDHOLME, Mary Christine→
Resignedsecretary · appointed 2003-04-02 · resigned 2005-11-22
SWIFT INCORPORATIONS LIMITED→
Resignedcorporate-nominee-secretary · appointed 2003-04-02 · resigned 2003-04-02
O'NEILL, Gerard Gregory→
Resigneddirector · ~58y · appointed 2003-04-02 · resigned 2015-04-03
Click a director name to see their full track record across all companies.
Mortgages & charges
51
Total charges
51
Outstanding
8
Active lenders
Status:Lender:51 of 51 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Ald Automotive Ald Automotive Limited | A registered charge | — | 13/06/2016 | — | |
| outstanding | Ald AUT0MOTIVE Ald AUT0MOTIVE Limited | A registered charge | 1 property | 20/03/2014 | — | |
| outstanding | Close Leasing Close Leasing Limited | Assignment | 1 property | 24/09/2012 | — | |
| outstanding | Close Leasing Close Leasing Limited | Assignment | 1 property | 24/09/2012 | — | |
| outstanding | Close Leasing Close Leasing Limited | Assignment | 1 property | 25/06/2012 | — | |
| outstanding | Close Leasing Close Leasing Limited | Assignment | 1 property | 29/05/2012 | — | |
| outstanding | Close Leasing Close Leasing Limited | Assignment | 1 property | 28/03/2012 | — | |
| outstanding | Close Leasing Close Leasing Limited | Assignment | 1 property | 24/02/2012 | — | |
| outstanding | Close Leasing Close Leasing Limited | Security assignment | 1 property | 10/02/2012 | — | |
| outstanding | Close Leasing Close Leasing Limited | Assignment | 1 property | 18/01/2012 | — | |
| outstanding | Close Leasing Close Leasing Limited | An assignment | 1 property | 19/12/2011 | — | |
| outstanding | Close Leasing Close Leasing Limited | An assignment | 1 property | 31/10/2011 | — | |
| outstanding | Close Leasing Close Leasing Limited | Assignment | 1 property | 14/10/2011 | — | |
| outstanding | Close Leasing Close Leasing Limited | An assignment | 1 property | 28/09/2011 | — | |
| outstanding | Close Leasing Close Leasing Limited | Security assignment | 1 property | 28/06/2011 | — | |
| outstanding | Close Leasing Close Leasing Limited | An assignment | 1 property | 28/06/2011 | — | |
| outstanding | Hitachi Capital (UK) Hitachi Capital (UK) PLC | Security assignment | 1 property | 26/05/2011 | — | |
| outstanding | Close Leasing (Purchaser) Close Leasing Limited (Purchaser) | Assignment | 1 property | 11/05/2011 | — | |
| outstanding | Close Leasing (Assignee) Close Leasing Limited (Assignee) | Security assignment | 1 property | 27/04/2011 | — | |
| outstanding | Close Leasing (Purchaser) Close Leasing Limited (Purchaser) | Assignment | 1 property | 27/04/2011 | — | |
| outstanding | Close Leasing (Purchaser) Close Leasing Limited (Purchaser) | A master receivables purchase agreement | 1 property | 27/04/2011 | — | |
| outstanding | Close Leasing (Assignee) Close Leasing Limited (Assignee) | Security assignment | 1 property | 27/04/2011 | — | |
| outstanding | Close Leasing Close Leasing Limited | A security assignment | 1 property | 27/04/2011 | — | |
| outstanding | Close Leasing Close Leasing Limited | A security assignment | 1 property | 27/04/2011 | — | |
| outstanding | Close Leasing Close Leasing Limited | A security assignment | 1 property | 27/04/2011 | — | |
| outstanding | Close Leasing Close Leasing Limited | A security assignment | 1 property | 24/04/2011 | — | |
| outstanding | Hitachi Capital (UK) Hitachi Capital (UK) PLC | Security assignment | 1 property | 04/03/2011 | — | |
| outstanding | Hitachi Capital (UK) Hitachi Capital (UK) PLC | Security assignment | 1 property | 04/03/2011 | — | |
| outstanding | Hitachi Capital (UK) Hitachi Capital (UK) PLC | Security assignment | 1 property | 04/03/2011 | — | |
| outstanding | Hitachi Capital (UK) Hitachi Capital (UK) PLC | Security assignment | 1 property | 04/03/2011 | — | |
| outstanding | Hitachi Capital (UK) Hitachi Capital (UK) PLC | Security assignment | 1 property | 04/03/2011 | — | |
| outstanding | Hitachi Capital (UK) Hitachi Capital (UK) PLC | Security assignment | 1 property | 04/03/2011 | — | |
| outstanding | Hitachi Capital (UK) Hitachi Capital (UK) PLC | Security assignment | 1 property | 04/02/2011 | — | |
| outstanding | Hitachi Capital (UK) Hitachi Capital (UK) PLC | Security assignment | 1 property | 04/02/2011 | — | |
| outstanding | United Dominions Trust United Dominions Trust Limited | Security assignment | 1 property | 14/12/2009 | — | |
| outstanding | United Dominions Trust United Dominions Trust Limited | Security assignment | 1 property | 14/12/2009 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Security assignment | 1 property | 26/03/2009 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Security assignment | 1 property | 26/03/2009 | — | |
| outstanding | Ald Automotive Ald Automotive Limited | Security assignment | 1 property | 19/12/2008 | — | |
| outstanding | Ald Automotive Ald Automotive Limited | Security assignment | 1 property | 19/12/2008 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Security assignment | 1 property | 10/05/2008 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Security assignment | 1 property | 10/05/2008 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Security assignment | 1 property | 18/02/2008 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Security assignment | 1 property | 31/05/2007 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Security assignment | 1 property | 31/05/2007 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Security assignment | 1 property | 30/03/2007 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Security assignment | 1 property | 30/03/2007 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Security assignment | 1 property | 22/09/2006 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | A security assignment | 1 property | 22/09/2006 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Security assignment | 1 property | 31/03/2006 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Security assignment | 1 property | 31/03/2006 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (116 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-14
accounts-with-accounts-type-small
accounts · AA
2025-09-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-10
accounts-with-accounts-type-small
accounts · AA
2024-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-12
accounts-with-accounts-type-small
accounts · AA
2023-10-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-12
accounts-with-accounts-type-full
accounts · AA
2022-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-13
accounts-with-accounts-type-full
accounts · AA
2021-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-12
accounts-with-accounts-type-full
accounts · AA
2020-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-04-14
accounts-with-accounts-type-full
accounts · AA
2019-10-11