ATTIVO FINANCIAL SERVICES LIMITED
🌳Matureactive
05927588 · ltd · incorporated 2006-09-07
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
—
not disclosed
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 72/100 (strong), bankability 67/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
9 live charges · 8 lenders · oldest 11.3y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 11.3 years old — likely at or near maturity.
- · 8 lenders named — inter-creditor friction likely.
- · Legal-friction score 33/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (59/100)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
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
14 officers (3 active, 14 linked, 9 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
119 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 officers
Last 180 days
1
filing
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (63 events)Click to expand
- 2026-06-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-06-12➖HARPER, Stephen Charles resigneddirector
- 2025-10-13📄accounts-with-accounts-type-smallaccounts · AA
- 2025-05-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-05-23➕CLENNELL, Andrew James appointeddirector
- 2025-04-15➕PLUMPTON, Ian Joseph appointeddirector
- 2025-04-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-04-03➖PLUMPTON, Ian Joseph resigneddirector
- 2025-04-03➖STURGESS, Jonathan Paul resigneddirector
- 2025-04-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-04-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-10-18➕FRENCH, Joanne Marie Gilroy appointeddirector
- 2024-10-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-27📄accounts-with-accounts-type-smallaccounts · AA
- 2024-01-30➕STURGESS, Jonathan Paul appointeddirector
- 2024-01-30📄change-person-director-company-with-change-dateofficers · CH01
- 2024-01-30📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-01-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-24🔒Charge registered #9Lender: Triple Point Advancr Leasing PLC
- 2024-01-10📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-01-10📄legacyaccounts · PARENT_ACC
- 2024-01-10📄legacyother · AGREEMENT2
- 2024-01-10📄legacyother · GUARANTEE2
- 2023-07-10📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2023-07-10📄legacyaccounts · PARENT_ACC
- 2023-07-10📄legacyother · GUARANTEE2
- 2023-07-10📄legacyother · AGREEMENT2
- 2023-06-28📄gazette-filings-brought-up-to-dategazette · DISS40
- 2023-06-06📄gazette-notice-compulsorygazette · GAZ1
- 2022-03-23➖HARDING, Stuart Stephen resigneddirector
- 2021-06-17🔓Charge satisfied #6
- 2021-06-14🔓Charge satisfied #7
- 2021-05-28🔒Charge registered #8Lender: Second Wave Holdings Limited
- 2020-12-04🔒Charge registered #7Lender: IL2 (2018) S.À.R.L.
- 2020-09-18🔓Charge satisfied #5
- 2020-09-11🔒Charge registered #6Lender: Growth Lending 2020 Limited
- 2020-08-03🔒Charge registered #5Lender: IL2 (2018) S.a R.L
- 2020-08-03🔓Charge satisfied #4
- 2020-08-03🔓Charge satisfied #3
- 2020-01-22➕HARDING, Stuart Stephen appointeddirector
- 2020-01-22➕HARDING, Stuart Stephen appointeddirector
- 2020-01-22➖HARDING, Stuart Stephen resigneddirector
- 2020-01-22➕PLUMPTON, Ian Joseph appointeddirector
- 2019-09-27➖BAREHAM, Stephen John resignedsecretary
- 2018-04-10🔓Charge satisfied #2
- 2018-04-10🔓Charge satisfied #1
- 2018-03-15🔒Charge registered #4Lender: Aib Group (UK) P.L.C.
- 2018-02-27🔒Charge registered #3Lender: Aib Group (UK) P.L.C.
- 2018-02-01➕BAREHAM, Stephen John appointedsecretary
- 2016-01-01➖GOLDSMITH, Nicola resignedsecretary
Showing most recent 50 of 63 events
Owner dependency
50/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Attivo Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Attivo Group Limited
Corporate parent · holds 75-100% shares
⬇
ATTIVO FINANCIAL SERVICES LIMITED
This company · 05927588
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Attivo Group Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
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 →Similar companies
Active · Financial services · GL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALL SILVA LTD→ 15994427 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AMDV INVESTMENTS LIMITED→ 11002675 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ANIDEA BUSINESS FINANCE LTD→ 16046140 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARDENT GLOBAL RISKS LIMITED→ 14319313 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ARQUITIS FINANCIAL MANAGEMENT LIMITED→ 10202587 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ATTIVO BUCKINGHAM GATE LIMITED→ 16642445 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ATTIVO CORPORATE PLANNING LIMITED→ 13435619 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ATTIVO PRIVATE CLIENTS LIMITED→ 13249033 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ATTWOOD LAND LTD→ 15958964 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AUBERTIN FINANCIAL LTD→ 16196286 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AW21 INVESTMENTS LIMITED→ 13340390 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AWB FINANCIAL LTD→ 14130506 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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 →🔒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
Incorporated2006-09-07
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Honeybourne Place
Jessop Avenue
Cheltenham
GL50 3SH
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-23
Last: 2025-09-09
Officers (3 active · 11 resigned)
CLENNELL, Andrew James→
Activedirector · ~49y · appointed 2025-05-23
View their other companies + combined net worth →
FRENCH, Joanne Marie Gilroy→
Activedirector · ~56y · appointed 2024-10-18
View their other companies + combined net worth →
PLUMPTON, Ian Joseph→
Activedirector · ~52y · appointed 2025-04-15
View their other companies + combined net worth →
BAREHAM, Stephen John→
Resignedsecretary · appointed 2018-02-01 · resigned 2019-09-27
GOLDSMITH, Nicola→
Resignedsecretary · appointed 2011-03-11 · resigned 2016-01-01
LOADER, Mark→
Resignedsecretary · appointed 2009-07-01 · resigned 2011-03-11
VALENTINE, Iain Alexander→
Resignedsecretary · appointed 2006-10-10 · resigned 2009-07-01
ATTIVO GROUP LIMITED→
Resignedcorporate-secretary · appointed 2006-09-07 · resigned 2006-10-10
HARDING, Stuart Stephen→
Resigneddirector · ~44y · appointed 2020-01-22 · resigned 2022-03-23
HARDING, Stuart Stephen→
Resigneddirector · ~44y · appointed 2020-01-22 · resigned 2020-01-22
HARPER, Stephen Charles→
Resigneddirector · ~62y · appointed 2006-10-10 · resigned 2026-06-12
PLUMPTON, Ian Joseph→
Resigneddirector · ~52y · appointed 2020-01-22 · resigned 2025-04-03
STURGESS, Jonathan Paul→
Resigneddirector · ~42y · appointed 2024-01-30 · resigned 2025-04-03
VALENTINE, Iain Alexander→
Resigneddirector · ~64y · appointed 2007-02-01 · resigned 2009-07-01
Click a director name to see their full track record across all companies.
Mortgages & charges
9
Total charges
2
Outstanding
2
Active lenders
Status:Lender:9 of 9 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Triple Point Advancr Leasing Triple Point Advancr Leasing PLC | A registered charge | — | 24/01/2024 | — | |
| outstanding | Second Wave Holdings Second Wave Holdings Limited | A registered charge | — | 28/05/2021 | — | |
| satisfied | IL2 (2018) S.À.R.L. | A registered charge | 2 properties | 04/12/2020 | 14/06/2021 | |
| satisfied | Growth Lending 2020 Growth Lending 2020 Limited | A registered charge | — | 11/09/2020 | 17/06/2021 | |
| satisfied | IL2 (2018) S.a R.L | A registered charge | — | 03/08/2020 | 18/09/2020 | |
| satisfied | Aib Group (UK) P.L.C. | A registered charge | — | 15/03/2018 | 03/08/2020 | |
| satisfied | Aib Group (UK) P.L.C. | A registered charge | — | 27/02/2018 | 03/08/2020 | |
| satisfied | Svenska Handelsbanken Ab (Publ) | A registered charge | — | 25/08/2015 | 10/04/2018 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) | A registered charge | — | 19/03/2015 | 10/04/2018 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (119 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-06-18
accounts-with-accounts-type-small
accounts · AA
2025-10-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-11
appoint-person-director-company-with-name-date
officers · AP01
2025-05-27
appoint-person-director-company-with-name-date
officers · AP01
2025-04-15
termination-director-company-with-name-termination-date
officers · TM01
2025-04-03
termination-director-company-with-name-termination-date
officers · TM01
2025-04-03
appoint-person-director-company-with-name-date
officers · AP01
2024-10-18
accounts-with-accounts-type-small
accounts · AA
2024-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-17
change-person-director-company-with-change-date
officers · CH01
2024-01-30
appoint-person-director-company-with-name-date
officers · AP01
2024-01-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-25
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-01-10
legacy
accounts · PARENT_ACC
2024-01-10