COMMERCIAL FINANCE LTD.
Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (83/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover 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 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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
Corporate timeline (24 events)Click to expand
- 2025-12-19📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-11-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-11-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-10-31➖BURDEN, William Andrew resigneddirector
- 2024-08-30➕BURDEN, William Andrew appointeddirector
- 2024-08-30📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-08-23✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-04-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-04-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-12-15📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-11-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-01-06📄resolutionresolution · RESOLUTIONS
- 2020-12-31📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-11-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-11-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-11-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-11-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2007-03-28🏢Company incorporatedAs COMMERCIAL FINANCE LTD.
- 2007-03-28➕CHEX LTD appointedcorporate-secretary
- 2007-03-28➕BURDEN, Andrew Russell appointeddirector
- 2007-03-28➕OCS CORPORATE SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2007-03-28➖OCS CORPORATE SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2007-03-28➕OCS DIRECTORS LIMITED appointedcorporate-nominee-director
- 2007-03-28➖OCS DIRECTORS LIMITED resignedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 68 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 19 years.
- secondaryStable-but-static management: Company is 19 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 med ·Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2024-08-23: certificate-change-of-name-company
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Russell Burden Individual · British · DOB 01/1958 · age 68 | 75–100% | — | 75-100% shares | 24/03/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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8 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 →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
Registered office
Filing status
Officers (2 active · 3 resigned)
Click a director name to see their full track record across all companies.