ACCESS HIRE & FINANCE LTD

🌳Matureactive
05032328 · ltd · incorporated 2004-02-03
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 Dec 2024
Net worth
—
book net assets
Opportunity
78/100
Strong
🔔
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What this business does
Primary activity: SIC 49390
Sector: Transportation & storage
Investor take
Pursue
Active trading company with a 64-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (65/100, director aged 64). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

5 live charges · 5 lenders · oldest 20.4y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 20.4 years old — likely at or near maturity.
  • · 5 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
9 officers (2 active, 9 linked, 6 with DOB)
83
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
97 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
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£0Dec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31
Average employees181900

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

3 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
0
filings
Last 180 days
5
filings
  • • 3 persons-with-significant-control
  • • 1 confirmation-statement
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
  1. 2026-01-25
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2026-01-19
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  3. 2026-01-19
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  4. 2026-01-19
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  5. 2025-09-29
    📄
    accounts-with-accounts-type-small
    accounts · AA
  6. 2025-02-07
    📄
    accounts-with-accounts-type-small
    accounts · AA
  7. 2023-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-03-02
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  10. 2022-03-01
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  11. 2021-10-01
    📄
    accounts-with-accounts-type-small
    accounts · AA
  12. 2020-11-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  13. 2020-11-06
    🔓
    Charge satisfied #1
  14. 2020-09-30
    📄
    accounts-with-accounts-type-small
    accounts · AA
  15. 2020-09-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2020-03-02
    ➖
    DAVIDSON, Paul Selwyn resigned
    director
  17. 2020-03-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2019-10-09
    📄
    accounts-with-accounts-type-small
    accounts · AA
  19. 2018-10-08
    📄
    accounts-with-accounts-type-small
    accounts · AA
  20. 2017-08-31
    ➕
    DAVIDSON, Sheldon Rene appointed
    director
  21. 2015-03-30
    🔓
    Charge satisfied #4
  22. 2015-03-30
    🔓
    Charge satisfied #3
  23. 2014-12-23
    🔒
    Charge registered #5
    Lender: Secure Trust Bank PLC
  24. 2014-04-17
    ➖
    KERRIGAN, Sean Brendan resigned
    secretary
  25. 2014-04-17
    ➖
    KERRIGAN, Sean Brendan resigned
    director
  26. 2013-05-01
    ➖
    DAVIDSON, Beverly Caren resigned
    director
  27. 2012-10-18
    ➕
    MCCORMACK, Christopher Neil appointed
    director
  28. 2012-01-01
    ➕
    DAVIDSON, Paul Selwyn appointed
    director
  29. 2010-10-06
    🔒
    Charge registered #4
    Lender: Regency Factors PLC
  30. 2010-03-20
    🔓
    Charge satisfied #2
  31. 2010-01-29
    🔒
    Charge registered #3
    Lender: Cavendish Investments (Manchester) Limited
  32. 2006-03-13
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  33. 2005-12-23
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  34. 2005-10-03
    ➖
    MENDELL, Julian Lewis resigned
    director
  35. 2005-09-01
    ➕
    DAVIDSON, Beverly Caren appointed
    director
  36. 2005-09-01
    ➕
    KERRIGAN, Sean Brendan appointed
    director
  37. 2004-02-05
    ➖
    FORM 10 SECRETARIES FD LTD resigned
    corporate-nominee-secretary
  38. 2004-02-05
    ➖
    FORM 10 DIRECTORS FD LTD resigned
    corporate-nominee-director
  39. 2004-02-04
    ➕
    KERRIGAN, Sean Brendan appointed
    secretary
  40. 2004-02-04
    ➕
    MENDELL, Julian Lewis appointed
    director
  41. 2004-02-03
    🏢
    Company incorporated
    As ACCESS HIRE & FINANCE LTD
  42. 2004-02-03
    ➕
    FORM 10 SECRETARIES FD LTD appointed
    corporate-nominee-secretary
  43. 2004-02-03
    ➕
    FORM 10 DIRECTORS FD LTD appointed
    corporate-nominee-director

Owner dependency

66/100
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.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

79/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 14 years.
  • secondaryStable-but-static management: Company is 22 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 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

2 corporate shareholders identified. Group structure is distributed.

🏛️
Sds Capital Limited
Corporate parent · holds 25-50% shares
significant stake
🏛️
Sheldon Davidson Solicitors Ltd
Corporate parent · holds 25-50% shares
significant stake
⬇
ACCESS HIRE & FINANCE LTD
This company · 05032328

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Sds Capital Limited
Corporate entity
25–50%
—25-50% shares07/10/2017
Sheldon Davidson Solicitors Ltd
Corporate entity
25–50%
50–75%50-75% shares · 50-75% voting07/10/2017
2 historic (ceased) PSCs
  • Mr Sheldon Rene Davidsonceased 07/10/2017· 75-100% shares · firm interest
  • Mr Christopher Mccormackceased 31/08/2017· significant influence

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
Incorporated2004-02-03
Jurisdictionengland-wales
Primary SIC49390 — SIC 49390

Registered office

221 Bury New Road
Whitefield
Manchester
M45 8GW
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-26
Last: 2025-12-12

Officers (2 active · 7 resigned)

DAVIDSON, Sheldon Rene→
director · ~64y · appointed 2017-08-31
View their other companies + combined net worth →
Active
MCCORMACK, Christopher Neil→
director · ~43y · appointed 2012-10-18
View their other companies + combined net worth →
Active
KERRIGAN, Sean Brendan→
secretary · appointed 2004-02-04 · resigned 2014-04-17
Resigned
FORM 10 SECRETARIES FD LTD→
corporate-nominee-secretary · appointed 2004-02-03 · resigned 2004-02-05
Resigned
DAVIDSON, Beverly Caren→
director · ~57y · appointed 2005-09-01 · resigned 2013-05-01
Resigned
DAVIDSON, Paul Selwyn→
director · ~70y · appointed 2012-01-01 · resigned 2020-03-02
Resigned
KERRIGAN, Sean Brendan→
director · ~53y · appointed 2005-09-01 · resigned 2014-04-17
Resigned
MENDELL, Julian Lewis→
director · ~63y · appointed 2004-02-04 · resigned 2005-10-03
Resigned
FORM 10 DIRECTORS FD LTD→
corporate-nominee-director · appointed 2004-02-03 · resigned 2004-02-05
Resigned

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

Mortgages & charges

5
Total charges
1
Outstanding
1
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
Secure Trust Bank
Secure Trust Bank PLC
A registered charge—23/12/2014—
satisfied
Regency Factors
Regency Factors PLC
Debenture1 property06/10/201030/03/2015
satisfied
Cavendish Investments (Manchester)
Cavendish Investments (Manchester) Limited
Debenture1 property29/01/201030/03/2015
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Debenture1 property13/03/200620/03/2010
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Debenture1 property23/12/200506/11/2020
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (97 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-26
change-person-director-company-with-change-date
officers · CH01
2026-01-25
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-01-19
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-01-19
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-01-19
accounts-with-accounts-type-small
accounts · AA
2025-09-29
accounts-with-accounts-type-small
accounts · AA
2025-02-07
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-06
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-30
gazette-filings-brought-up-to-date
gazette · DISS40
2022-03-02
gazette-notice-compulsory
gazette · GAZ1
2022-03-01
confirmation-statement-with-updates
confirmation-statement · CS01
2022-02-28