FRESH FINANCE GROUP LIMITED

🌳Matureactive
05706346 · ltd · incorporated 2006-02-13
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
—
book net assets
Opportunity
76/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 76/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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
Confirmed no charges registered
85
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
4 connected companies via shared directors
57
Filing history
53 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
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£0May 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-05-302024-05-30
Average employees800800

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2026-02-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-04-30
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-02-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-02-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-02-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-08-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2022-05-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-02-26
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  9. 2021-03-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-11-17
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  11. 2020-11-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2020-11-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2020-02-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2019-12-18
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2019-02-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-02-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2006-02-13
    🏢
    Company incorporated
    As FRESH FINANCE GROUP LIMITED
  18. 2006-02-13
    ➕
    RANK, James Michael John appointed
    secretary
  19. 2006-02-13
    ➕
    MCMINN, Stuart Ryan appointed
    director
  20. 2006-02-13
    ➕
    RANK, James Michael John appointed
    director

Owner dependency

68/100
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.
  • +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

66/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 20 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr James Michael John Rank
Individual · British · DOB 09/1976 · age 50
25–50%
25–50%board control25-50% shares · 25-50% voting · board control13/02/2017
Mr Stuart Ryan Mcminn
Individual · British · DOB 03/1979 · age 47
25–50%
25–50%board control25-50% shares · 25-50% voting · board control13/02/2017

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 →
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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.

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Company details

Statusactive
Typeltd
Incorporated2006-02-13
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

10 King Street
Newcastle
ST5 1EL
England

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-30
Confirmation statement
Next due: 2027-02-20
Last: 2026-02-06

Officers (3 active · 0 resigned)

RANK, James Michael John→
secretary · appointed 2006-02-13
View their other companies + combined net worth →
Active
MCMINN, Stuart Ryan→
director · ~47y · appointed 2006-02-13
View their other companies + combined net worth →
Active
RANK, James Michael John→
director · ~50y · appointed 2006-02-13
View their other companies + combined net worth →
Active

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

Recent filings (53 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-03
accounts-with-accounts-type-micro-entity
accounts · AA
2026-02-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-20
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-08-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-02
change-account-reference-date-company-previous-shortened
accounts · AA01
2022-02-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-08