ABN FINANCIAL LIMITED
🌳Matureactive
05456255 · ltd · incorporated 2005-05-18
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 17.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
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 67-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 67). 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 17.9y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 17.9 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: 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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
9 officers (3 active, 9 linked, 6 with DOB)
83
Ownership & PSC
2 active PSC(s) of 5 total, 5 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
79 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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 0 | 100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
3
filings
- • 2 persons-with-significant-control
- • 1 confirmation-statement
Last 180 days
4
filings
- • 2 persons-with-significant-control
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
- 2026-04-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-04-23📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-08-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-21➕CANNINGS, Yvonne appointeddirector
- 2025-08-20➖ACKLAM, David Ian resigneddirector
- 2024-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-23📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-23📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-01-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-12-06➖CANNINGS, Yvonne resigneddirector
- 2022-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-25📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2022-02-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-02-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-02-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-02-24📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2021-10-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-09-30➖MCDERMOTT, Francesca Dee resigneddirector
- 2021-09-13📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2019-10-04➕MCDERMOTT, Francesca Dee appointeddirector
- 2011-06-13➖NOOR, Waqar Ilyass resigneddirector
- 2008-06-16🔒Charge registered #1Lender: Lloyds Tsb Bank PLC
- 2005-12-01➕CANNINGS, Yvonne appointeddirector
- 2005-05-18🏢Company incorporatedAs ABN FINANCIAL LIMITED
- 2005-05-18➕BOND, Denise appointedsecretary
- 2005-05-18➕BOND, Denise appointeddirector
- 2005-05-18➕TEMPLE SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2005-05-18➖TEMPLE SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2005-05-18➕ACKLAM, David Ian appointeddirector
- 2005-05-18➕NOOR, Waqar Ilyass appointeddirector
- 2005-05-18➕COMPANY DIRECTORS LIMITED appointedcorporate-nominee-director
- 2005-05-18➖COMPANY DIRECTORS LIMITED resignedcorporate-nominee-director
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 21 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 67 — succession pressure is live.
Succession & seller-readiness
76/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
- 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 |
|---|---|---|---|---|
Ms Yvonne Cannings Individual · British · DOB 04/1959 · age 67 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 30/09/2021 |
Mrs Denise Bond Individual · British · DOB 03/1961 · age 65 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 30/09/2021 |
3 historic (ceased) PSCs
- Mr David Ian Acklamceased 22/04/2026· 25-50% shares · 25-50% voting
- Mr David Ian Acklamceased 04/10/2019· 25-50% shares · 25-50% voting · firm interest
- Mrs Denise Bondceased 04/10/2019· 25-50% shares · 25-50% voting · firm interest
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 · BB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 247 STAYWARM LIMITED→ 11387607 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 51FIFTY LTD→ 16922157 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACCRUED GROUP LIMITED→ 13734684 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ACORN MORTGAGES & LATER LIFE LENDING LTD→ 10032894 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ADCL HAULAGE LIMITED→ 06366937 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| AEDOS CAPITAL PARTNERS LTD→ 12186119 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AIROS NEVO LTD→ 16931930 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AJ LEGACY INVESTMENTS LIMITED→ 16729457 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALSTON HILL LTD.→ 06474973 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| ANDERTON MULLIGAN LTD→ 10839238 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| APEX SURVEYING SERVICES LIMITED→ 08321739 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| APPLEGATE IST LTD→ 14792835 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2005-05-18
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
2 Willow Street
Accrington
Lancashire
BB5 1LP
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-05-28
Last: 2026-05-14
Officers (3 active · 6 resigned)
Active
BOND, Denise→
Activedirector · ~65y · appointed 2005-05-18
View their other companies + combined net worth →
CANNINGS, Yvonne→
Activedirector · ~67y · appointed 2025-08-21
View their other companies + combined net worth →
TEMPLE SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2005-05-18 · resigned 2005-05-18
ACKLAM, David Ian→
Resigneddirector · ~73y · appointed 2005-05-18 · resigned 2025-08-20
CANNINGS, Yvonne→
Resigneddirector · ~67y · appointed 2005-12-01 · resigned 2022-12-06
MCDERMOTT, Francesca Dee→
Resigneddirector · ~33y · appointed 2019-10-04 · resigned 2021-09-30
NOOR, Waqar Ilyass→
Resigneddirector · ~54y · appointed 2005-05-18 · resigned 2011-06-13
COMPANY DIRECTORS LIMITED→
Resignedcorporate-nominee-director · appointed 2005-05-18 · resigned 2005-05-18
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 deed | 1 property | 16/06/2008 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (79 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-23
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-04-23
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-06
appoint-person-director-company-with-name-date
officers · AP01
2025-08-22
termination-director-company-with-name-termination-date
officers · TM01
2025-08-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-03-24
change-person-director-company-with-change-date
officers · CH01
2023-03-23
change-person-secretary-company-with-change-date
officers · CH03
2023-03-23
termination-director-company-with-name-termination-date
officers · TM01
2023-01-04