EQUILIBRIUM FINANCE LIMITED
🌳Matureactive
04804634 · ltd · incorporated 2003-06-19
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
—
year to Jul 2025
Net worth
£1.02M
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Financial leasing
Sector: Financial & insurance
Investor take
PursueActive trading company with a 74-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 67/100. Strong seller-intent signal (93/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
3 live charges · 3 lenders · oldest 20.1y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 20.1 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)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
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
75 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £1,020,808
Net assets shrinking
Down £192,240 YoY
Cash YoY
+65%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£278k
↑ 65% YoY
Net Worth
£1.0m
↓ 16% YoY
Current Assets
£1.0m
↓ 22% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £1.02M | £1.21M |
| Current assets | £1.03M | £1.32M |
| Cash | £278.2k | £168.5k |
| Debtors | £752.2k | £1.15M |
| Net assets | £1.02M | £1.21M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2026-03-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-08🔓Charge satisfied #2
- 2025-04-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-24🔓Charge satisfied #3
- 2024-09-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-02-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-02-17📄change-person-director-company-with-change-dateofficers · CH01
- 2021-02-17📄change-person-secretary-company-with-change-dateofficers · CH03
- 2021-02-16📄change-person-director-company-with-change-dateofficers · CH01
- 2021-02-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-10-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2013-03-14🔒Charge registered #3Lender: Aldermore Bank PLC
- 2006-06-07🔒Charge registered #2Lender: Hitachi Capital (UK) PLC
- 2006-06-01🔒Charge registered #1Lender: Barclays Bank PLC
- 2003-06-19🏢Company incorporatedAs EQUILIBRIUM FINANCE LIMITED
- 2003-06-19➕JONES, Robert David appointedsecretary
- 2003-06-19➕BILLINGHAM, David Christopher appointeddirector
- 2003-06-19➕JONES, Robert David appointeddirector
Owner dependency
83/100
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
- +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.
- +Founder age: Director aged approximately 74 — succession pressure is live.
Succession & seller-readiness
96/100
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 74 years old. Natural succession window is now.
- 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David Christopher Billingham Individual · British · DOB 07/1960 · age 66 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Robert David Jones Individual · British · DOB 05/1952 · age 74 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 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
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|---|---|---|---|---|---|---|---|
| BLUE SKY NINE LIMITED→ 15935424 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CT INTERNATIONAL LTD→ 10374714 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| D & S HELM LTD→ 15011094 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| DAVID JONES WEALTH MANAGEMENT LIMITED→ 16252057 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| DAYINSURE HOLDCO LIMITED→ 13147414 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| DEEL WORLD INTERNATIONAL GLOBAL PAYROLL HOLDINGS LIMITED→ 15068175 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| DEEL WORLD INTERNATIONAL GLOBAL PAYROLL UK LIMITED→ 15159291 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| DUAL FUTURE LIMITED→ 09427923 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| EMERALD SURVEYING SERVICES LIMITED→ 14738311 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| EMSDEN SHARECO LIMITED→ 14084013 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| EMX PARTNERS (TRADING) LTD→ 14287850 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| EQUILIBRIUM FINANCIAL SERVICES LIMITED→ 07034792 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
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
Incorporated2003-06-19
Jurisdictionengland-wales
Primary SIC64910 — Financial leasing
Registered office
Suite S31 Northwich Business Centre
Meadow Street
Northwich
CW9 5BF
England
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-07-03
Last: 2026-06-19
Officers (3 active · 0 resigned)
JONES, Robert David→
Activesecretary · appointed 2003-06-19
View their other companies + combined net worth →
BILLINGHAM, David Christopher→
Activedirector · ~66y · appointed 2003-06-19
View their other companies + combined net worth →
JONES, Robert David→
Activedirector · ~74y · appointed 2003-06-19
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Aldermore Aldermore Bank PLC | Block discounting master agreement | 1 property | 14/03/2013 | 24/04/2025 | |
| satisfied | Hitachi Capital (UK) Hitachi Capital (UK) PLC | Block discounting agreement | 1 property | 07/06/2006 | 08/05/2025 | |
| outstanding | Barclays Barclays Bank PLC | Debenture | 1 property | 01/06/2006 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (75 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-19
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-08
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-26
accounts-with-accounts-type-micro-entity
accounts · AA
2021-02-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-02-17