HPB FINANCE LIMITED
🌳Matureactive
05379644 · ltd · incorporated 2005-03-01
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 20.6y old — refinance window within 12 months
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 89-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 89). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 20.6y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 20.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
7 officers (4 active, 7 linked, 5 with DOB)
84
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
23 connected companies via shared directors
90
Filing history
60 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.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-06-27📄accounts-with-accounts-type-smallaccounts · AA
- 2024-07-04📄accounts-with-accounts-type-smallaccounts · AA
- 2023-07-11📄accounts-with-accounts-type-smallaccounts · AA
- 2022-06-21📄accounts-with-accounts-type-smallaccounts · AA
- 2021-07-24📄accounts-with-accounts-type-smallaccounts · AA
- 2020-12-30📄accounts-with-accounts-type-smallaccounts · AA
- 2019-06-17📄accounts-with-accounts-type-smallaccounts · AA
- 2018-12-31📄change-person-director-company-with-change-dateofficers · CH01
- 2018-12-31📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-06-11📄accounts-with-accounts-type-smallaccounts · AA
- 2017-06-07📄accounts-with-accounts-type-smallaccounts · AA
- 2016-06-22📄accounts-with-accounts-type-fullaccounts · AA
- 2016-05-17📄change-person-director-company-with-change-dateofficers · CH01
- 2016-05-17📄change-person-secretary-company-with-change-dateofficers · CH03
- 2016-04-08📄change-person-director-company-with-change-dateofficers · CH01
- 2005-12-30🔒Charge registered #1Lender: Lloyds Tsb Bank PLC
- 2005-06-13➕BABER, Geoffrey Donald appointedsecretary
- 2005-06-13➕BABER, Geoffrey Donald appointeddirector
- 2005-06-13➕BOYCE, James Christopher appointeddirector
- 2005-06-13➕BOYCE, Robert Gerald appointeddirector
- 2005-06-13➖MEDCALF, David John resignedsecretary
- 2005-06-13➖MEDCALF, David John resigneddirector
- 2005-06-13➖WALMSLEY, Neil Roderick resigneddirector
- 2005-03-01🏢Company incorporatedAs HPB FINANCE LIMITED
- 2005-03-01➕MEDCALF, David John appointedsecretary
- 2005-03-01➕MEDCALF, David John appointeddirector
- 2005-03-01➕WALMSLEY, Neil Roderick 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
- +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 89 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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 89 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 21 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
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Robert Gerald Boyce Individual · British · DOB 07/1937 · age 89 | — | — | sig. influencesignificant influence | 05/12/2016 |
Mr James Christopher Boyce Individual · British · DOB 03/1964 · age 62 | — | — | sig. influencesignificant influence | 05/12/2016 |
Mr Geoffrey Donald Baber Individual · British · DOB 10/1945 · age 81 | — | — | sig. influencesignificant influence | 05/12/2016 |
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 · CB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| METALINK FOUNDATION→ 16368566 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| MONAVATE SUPPLY CHAIN PAYMENTS SERVICES LTD→ 15183382 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| NEST VALE ADVISORY & MANAGEMENT LTD→ 16511954 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| PESAPEER INVESTMENTS LTD→ 14047682 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| PITCHFORD VENTURES LTD→ 17129394 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| PLUMTREE AND CROSSLAND LIMITED→ 11581034 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| POSEIDON OPPORTUNITIES LIMITED→ 11587573 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| PRIVILEGE PROJECT FINANCE 3 LIMITED→ 12988700 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| PRIVILEGE PROJECT FINANCE 6 LIMITED→ 13597616 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| PRIVILEGE PROJECT FINANCE LIMITED→ 04323959 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| PRIVILEGE RENEWABLE FINANCE 2 LIMITED→ 13418308 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| PROPERTY REPAIR INSPECTION SERVICES LIMITED→ 08443232 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
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
Incorporated2005-03-01
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Hpb House
24-28 Old Station Road
Newmarket
Suffolk
CB8 8EH
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-15
Last: 2026-03-01
Officers (4 active · 3 resigned)
BABER, Geoffrey Donald→
Activesecretary · appointed 2005-06-13
View their other companies + combined net worth →
BABER, Geoffrey Donald→
Activedirector · ~81y · appointed 2005-06-13
View their other companies + combined net worth →
BOYCE, James Christopher→
Activedirector · ~62y · appointed 2005-06-13
View their other companies + combined net worth →
BOYCE, Robert Gerald→
Activedirector · ~89y · appointed 2005-06-13
View their other companies + combined net worth →
MEDCALF, David John→
Resignedsecretary · appointed 2005-03-01 · resigned 2005-06-13
MEDCALF, David John→
Resigneddirector · ~82y · appointed 2005-03-01 · resigned 2005-06-13
WALMSLEY, Neil Roderick→
Resigneddirector · ~60y · appointed 2005-03-01 · resigned 2005-06-13
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 30/12/2005 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (60 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-02
accounts-with-accounts-type-small
accounts · AA
2025-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-12
accounts-with-accounts-type-small
accounts · AA
2024-07-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-05
accounts-with-accounts-type-small
accounts · AA
2023-07-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-02
accounts-with-accounts-type-small
accounts · AA
2022-06-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-02
accounts-with-accounts-type-small
accounts · AA
2021-07-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-08
accounts-with-accounts-type-small
accounts · AA
2020-12-30
confirmation-statement-with-updates
confirmation-statement · CS01
2020-03-11
accounts-with-accounts-type-small
accounts · AA
2019-06-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-03-11