ASSOCIATED PREMIUM FUNDING LIMITED

🌳Matureactive
04771663 · ltd · incorporated 2003-05-20
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 Mar 2025
Net worth
—
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
Investor take
Pursue
Active trading company 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: share sale to pe / searcher (73/100).

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
7 officers (2 active, 7 linked, 4 with DOB)
81
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
15 connected companies via shared directors
90
Filing history
62 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees00

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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2025-12-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-12-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-11-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2023-04-17
    ➖
    STRATFORD, Emmia Louise resigned
    director
  6. 2023-04-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2022-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-12-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-12-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2018-12-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2017-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2016-12-08
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2016-07-21
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2016-06-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2015-12-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2015-10-20
    ➕
    KORENKOVA, Tatiana appointed
    director
  18. 2015-10-20
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2015-04-01
    ➕
    STRATFORD, Emmia Louise appointed
    director
  20. 2015-02-06
    ➖
    SMITH, Olga resigned
    secretary
  21. 2013-05-31
    ➖
    GENTLEMAN, Ian Michael resigned
    director
  22. 2003-05-21
    ➕
    TAKHAR, Rabinder Singh appointed
    director
  23. 2003-05-21
    ➕
    SMITH, Olga appointed
    secretary
  24. 2003-05-21
    ➖
    WHITE ROSE FORMATIONS LIMITED resigned
    corporate-nominee-secretary
  25. 2003-05-21
    ➕
    GENTLEMAN, Ian Michael appointed
    director
  26. 2003-05-21
    ➖
    WRF INTERNATIONAL LIMITED resigned
    corporate-nominee-director
  27. 2003-05-20
    🏢
    Company incorporated
    As ASSOCIATED PREMIUM FUNDING LIMITED
  28. 2003-05-20
    ➕
    WHITE ROSE FORMATIONS LIMITED appointed
    corporate-nominee-secretary
  29. 2003-05-20
    ➕
    WRF INTERNATIONAL LIMITED appointed
    corporate-nominee-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 23 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 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

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%
NameSharesVoting rightsNature of controlNotified
Mr Rabinder Singh Takhar
Individual · British · DOB 02/1965 · age 61
75–100%
—75-100% shares20/05/2017

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
Incorporated2003-05-20
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

222 Armstrong Road
Luton
LU2 0FY
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-06-03
Last: 2025-05-20

Officers (2 active · 5 resigned)

KORENKOVA, Tatiana→
director · ~54y · appointed 2015-10-20
View their other companies + combined net worth →
Active
TAKHAR, Rabinder Singh→
director · ~61y · appointed 2003-05-21
View their other companies + combined net worth →
Active
SMITH, Olga→
secretary · appointed 2003-05-21 · resigned 2015-02-06
Resigned
WHITE ROSE FORMATIONS LIMITED→
corporate-nominee-secretary · appointed 2003-05-20 · resigned 2003-05-21
Resigned
GENTLEMAN, Ian Michael→
director · ~84y · appointed 2003-05-21 · resigned 2013-05-31
Resigned
STRATFORD, Emmia Louise→
director · ~44y · appointed 2015-04-01 · resigned 2023-04-17
Resigned
WRF INTERNATIONAL LIMITED→
corporate-nominee-director · appointed 2003-05-20 · resigned 2003-05-21
Resigned

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

Recent filings (62 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-11-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-30
termination-director-company-with-name-termination-date
officers · TM01
2023-04-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-23