FINLAY HULL LIMITED
- · Oldest live charge 17.6y old — refinance window within 12 months
Opportunity 72/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
1 live charge · oldest 17.6y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 17.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 20/100 — clean.
Data confidence
Overall: medium (60/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 2 officers
- • 1 confirmation-statement
Corporate timeline (53 events)Click to expand
- 2026-01-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-01-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-31➕PENA, Martin Rafael Guzman appointeddirector
- 2025-12-31➖SNELL, Michael Charles resigneddirector
- 2025-09-04📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-09-04📄legacyaccounts · PARENT_ACC
- 2025-09-04📄legacyother · AGREEMENT2
- 2025-09-04📄legacyother · GUARANTEE2
- 2025-07-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-07-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-07-14➖BULMAN, Andy resigneddirector
- 2025-07-14➕SNELL, Michael Charles appointeddirector
- 2024-09-22📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-09-22📄legacyaccounts · PARENT_ACC
- 2024-09-22📄legacyother · GUARANTEE2
- 2024-09-22📄legacyother · AGREEMENT2
- 2023-11-08📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2023-11-08📄legacyaccounts · PARENT_ACC
- 2023-11-08📄legacyother · AGREEMENT2
- 2023-11-08📄legacyother · GUARANTEE2
- 2023-10-22📄legacyaccounts · PARENT_ACC
- 2023-10-22📄legacyother · GUARANTEE2
- 2023-04-15📄accounts-with-accounts-type-fullaccounts · AA
- 2022-01-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-12-10➕BULMAN, Andy appointeddirector
- 2020-06-30➖WILLSHER, Neil Robert resigneddirector
- 2018-10-03➕MORRIS, David Charles appointedsecretary
- 2018-07-13➖DIBBEN, Ann Marie resignedsecretary
- 2018-02-27➕DIBBEN, Ann Marie appointedsecretary
- 2018-02-27➖JAMES FINLAY LIMITED resignedcorporate-secretary
- 2016-01-15➖SUMNER, Brett Geoffrey resigneddirector
- 2013-02-01➕RUTHERFORD, Julian Michael appointeddirector
- 2013-02-01➖HENSON, Paul Robert resigneddirector
- 2013-01-02➕KEANE, Patrick Alan appointeddirector
- 2012-12-21➖ROBINSON, Stephen resigneddirector
- 2012-05-01➕WILLSHER, Neil Robert appointeddirector
- 2012-04-30➖DARLINGTON, Richard Andrew resigneddirector
- 2011-11-08🔓Charge satisfied #1
- 2010-01-29➖GRAHAM, Kenneth James resigneddirector
- 2008-12-31➖CORSAN, Robert John resigneddirector
- 2008-12-31➖GRAY, Robert Brian resigneddirector
- 2008-10-29🔒Charge registered #1Lender: Rbs Invoice Finance Limited (The Security Holder)
- 2008-05-01➕HENSON, Paul Robert appointeddirector
- 2007-07-23➕SUMNER, Brett Geoffrey appointeddirector
- 2004-02-11➕GRAHAM, Kenneth James appointeddirector
- 2004-02-11➕GRAY, Robert Brian appointeddirector
- 2004-02-11➕ROBINSON, Stephen appointeddirector
- 2003-10-31🏢Company incorporatedAs FINLAY HULL LIMITED
- 2003-10-31➕JAMES FINLAY LIMITED appointedcorporate-secretary
- 2003-10-31➕SWIFT INCORPORATIONS LIMITED appointedcorporate-nominee-secretary
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: BULMAN, Andy resigned 2025-07-14; SNELL, Michael Charles resigned 2025-12-31
Group structure
Finlay Extracts & Ingredients Uk Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Finlay Extracts & Ingredients Uk Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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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 →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
Registered office
Filing status
Officers (4 active · 13 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | NatWest Group Rbs Invoice Finance Limited (The Security Holder) | Fixed & floating charge | 1 property | 29/10/2008 | 08/11/2011 |