ABLE FINANCE & LOANS LIMITED
🌳Matureactive
05782762 · ltd · incorporated 2006-04-18
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 Mar 2025
Net worth
£73.5k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 73-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (83/100, director aged 73). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -62% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (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 (2 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
62 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £73,542
Net assets shrinking
Down £10,675 YoY
Cash draining
Cash down 62% YoY
Cash YoY
-62%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£5k
↓ 62% YoY
Net Worth
£74k
↓ 13% YoY
Current Assets
£101k
↓ 9.9% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £75.0k | £94.7k |
| Current assets | £101.1k | £112.2k |
| Cash | £4.9k | £13.1k |
| Debtors | £96.1k | £99.2k |
| Net assets | £73.5k | £84.2k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 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
4
filings
- • 3 persons-with-significant-control
- • 1 confirmation-statement
Last 90 days
4
filings
- • 3 persons-with-significant-control
- • 1 confirmation-statement
Last 180 days
5
filings
- • 3 persons-with-significant-control
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2026-05-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-05-18📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-05-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-12-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-08📍change-sail-address-company-with-new-addressaddress · AD02
- 2025-04-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-04-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-12-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-06-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-09➕BARRETT, Wayne Alexander appointeddirector
- 2019-05-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-10-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2015-01-12➖LOCKTON & COMPANY SECRETARIAL LTD resignedcorporate-secretary
- 2006-04-18🏢Company incorporatedAs ABLE FINANCE & LOANS LIMITED
- 2006-04-18➕MAYWOOD, Paul Leon appointeddirector
- 2006-04-18➕LOCKTON & COMPANY SECRETARIAL LTD appointedcorporate-secretary
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 20 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 73 — succession pressure is live.
Succession & seller-readiness
96/100
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 73 years old. Natural succession window is now.
- 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
1 lowMultiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Paul Leon Maywood Individual · British · DOB 05/1953 · age 73 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 18/05/2026 |
Mr Wayne Alexander Barrett Individual · British · DOB 11/1974 · age 52 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control · firm interest | 11/03/2025 |
1 historic (ceased) PSC
- Mr Paul Leon Maywoodceased 18/05/2026· 75-100% shares · 75-100% voting · board control
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 · NG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 21159C LIMITED→ 08704513 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| 9MONEY LIMITED→ 15685057 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABC HOLDCO II LTD→ 13135640 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ABODE MORTGAGE & PROTECTION SOLUTIONS LIMITED→ 10553742 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ABSOLUTE AM LTD→ 12180510 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AC INS CONSULTANTS LTD→ 09304127 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ACCIO FINANCE LTD→ 11994641 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ACEINGTON SERVICES LIMITED→ 08342128 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| ACER HOUSE INVESTMENTS LIMITED→ 12309448 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ADCOCK FINANCIAL LIMITED→ 04268333 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| AFFINITY ASSET FINANCE LIMITED→ 07036851 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| AGAMA & ASSOCIATES LIMITED→ 09666987 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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
Incorporated2006-04-18
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Registered office
16 Westgate
Grantham
NG31 6LT
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-22
Last: 2026-04-08
Officers (2 active · 1 resigned)
BARRETT, Wayne Alexander→
Activedirector · ~52y · appointed 2019-05-09
View their other companies + combined net worth →
MAYWOOD, Paul Leon→
Activedirector · ~73y · appointed 2006-04-18
View their other companies + combined net worth →
LOCKTON & COMPANY SECRETARIAL LTD→
Resignedcorporate-secretary · appointed 2006-04-18 · resigned 2015-01-12
Click a director name to see their full track record across all companies.
Recent filings (62 total)
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-05-18
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-05-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-13
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-08
change-sail-address-company-with-new-address
address · AD02
2025-04-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-04-08
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-04-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-23