COMMODORE FINANCE LIMITED

🌳Matureactive
05924654 · ltd · incorporated 2006-09-05
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 Sept 2024
Net worth
£34.6k
book net assets
Opportunity
70/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Special-situation opportunity
Distressed financial-services with salvageable qualities — special-situations priority.

Opportunity 70/100 (strong), bankability 55/100. Strong seller-intent signal (78/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: strategic trade sale (48/100).

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
5 officers (3 active, 5 linked, 3 with DOB)
82
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
53 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
55
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £34,615

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£35k
↑ 63% YoY
Current Assets
£43k
↓ 4.9% YoY
Current Liabilities
—
£0£9k£18k£27k£36k£45kSept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-302023-09-30
Total assets£38.9k£29.2k
Current assets£42.9k£45.1k
Net assets£34.6k£21.3k

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
0
filings
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2025-10-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-09-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-09-12
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  4. 2024-09-12
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  5. 2024-09-12
    📄
    withdrawal-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC09
  6. 2023-09-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-09-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-06-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2020-06-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2019-06-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2018-11-13
    📄
    resolution
    resolution · RESOLUTIONS
  12. 2018-06-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2017-03-17
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2016-06-24
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-09-12
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2006-09-05
    🏢
    Company incorporated
    As COMMODORE FINANCE LIMITED
  17. 2006-09-05
    ➕
    WILLIAMS, Catherine Mary appointed
    secretary
  18. 2006-09-05
    ➕
    WILLIAMS, Catherine Mary appointed
    director
  19. 2006-09-05
    ➕
    WILLIAMS, Paul Lloyd appointed
    director
  20. 2006-09-05
    ➕
    THOMAS, Howard appointed
    nominee-secretary
  21. 2006-09-05
    ➖
    THOMAS, Howard resigned
    nominee-secretary
  22. 2006-09-05
    ➕
    TESTER, William Andrew Joseph appointed
    nominee-director
  23. 2006-09-05
    ➖
    TESTER, William Andrew Joseph resigned
    nominee-director

Owner dependency

91/100
Critical — business is the founder

The 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 69 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

74/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 69. 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 20 years.
  • secondaryStable-but-static management: Company is 20 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

1 high ·
Accounts overdue
high

Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.

Evidence: Next due: 2026-06-30

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Catherine Mary Williams
Individual · British · DOB 05/1977 · age 49
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Paul Lloyd Williams
Individual · British · DOB 10/1957 · age 69
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

9 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
Incorporated2006-09-05
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Commodore House 17 Lon Delyn
Prestatyn
Denbighshire
LL19 9LW

Filing status

Accounts
Next due: 2026-06-30OVERDUE
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-09-19
Last: 2025-09-05

Officers (3 active · 2 resigned)

WILLIAMS, Catherine Mary→
secretary · appointed 2006-09-05
View their other companies + combined net worth →
Active
WILLIAMS, Catherine Mary→
director · ~49y · appointed 2006-09-05
View their other companies + combined net worth →
Active
WILLIAMS, Paul Lloyd→
director · ~69y · appointed 2006-09-05
View their other companies + combined net worth →
Active
THOMAS, Howard→
nominee-secretary · appointed 2006-09-05 · resigned 2006-09-05
Resigned
TESTER, William Andrew Joseph→
nominee-director · ~64y · appointed 2006-09-05 · resigned 2006-09-05
Resigned

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

Recent filings (53 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-20
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-11
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-18
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-09-12
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-09-12
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2024-09-12
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-29
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-25
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-27
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-31
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-18
accounts-with-accounts-type-micro-entity
accounts · AA
2020-06-30