AUTO ACCEPT FINANCE LIMITED
🌳Matureactive
06363110 · ltd · incorporated 2007-09-06
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 Mar 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 74/100 (strong), bankability 67/100. Strong seller-intent signal (83/100, director aged 65). Biggest value-creation lever: Consolidate lender relationships. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (53/100).
🏦
Refinance opportunity
10 live charges · 9 lenders · oldest 18.5y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 18.5 years old — likely at or near maturity.
- · 9 lenders named — inter-creditor friction likely.
- · Legal-friction score 50/100 (high).
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
10 charges (10/10 with lender, 10/10 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 5 with DOB)
84
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
108 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
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
59
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
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 |
|---|---|---|
| Average employees | 2 | 400 |
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
0
filings
Last 90 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (51 events)Click to expand
- 2026-03-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-10-02➖NEESAM, Derek James, The Estate Of resigneddirector
- 2024-06-03⚠️legacyinsolvency · CAP-SS
- 2024-06-03⚠️legacyinsolvency · CAP-SS
- 2024-04-24📄resolutionresolution · RESOLUTIONS
- 2024-04-24📄resolutionresolution · RESOLUTIONS
- 2024-04-24📄resolutionresolution · RESOLUTIONS
- 2024-04-24📄capital-cancellation-sharescapital · SH06
- 2024-04-22📄capital-cancellation-sharescapital · SH06
- 2024-04-22📄capital-cancellation-sharescapital · SH06
- 2024-02-05📄capital-allotment-sharescapital · SH01
- 2023-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-22📄capital-alter-shares-redemption-statement-of-capitalcapital · SH02
- 2023-01-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-01-16🔓Charge satisfied #10
- 2022-12-16📄accounts-with-accounts-type-smallaccounts · AA
- 2022-11-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-11-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-11-30🔓Charge satisfied #6
- 2022-11-30🔓Charge satisfied #5
- 2022-11-30🔓Charge satisfied #4
- 2022-11-30🔓Charge satisfied #3
- 2017-02-22🔒Charge registered #10Lender: Seneca Capital LTD
- 2016-10-03➖DAVIES, Aaron Brys resigneddirector
- 2015-09-25🔒Charge registered #9Lender: Hampshire Trust Bank PLC
- 2015-04-02🔓Charge satisfied #2
- 2015-02-17🔒Charge registered #8Lender: Barclays Bank PLC
- 2014-02-21🔓Charge satisfied #7
- 2013-11-14🔒Charge registered #7Lender: Barclays Bank PLC
- 2009-10-30➖INGRAM, Paul resignedsecretary
- 2009-10-30➖INGRAM, Paul resigneddirector
- 2008-08-15🔒Charge registered #6Lender: Kingston Asset Finance
- 2008-05-12🔒Charge registered #5Lender: Singer & Friedlander Leasing LTD
- 2008-01-21🔒Charge registered #4Lender: Kingston Asset Finance Limited
- 2008-01-18🔒Charge registered #3Lender: Hitachi Capital (UK) PLC
- 2007-12-17🔒Charge registered #2Lender: National Westminster Bank PLC
- 2007-11-22🔒Charge registered #1Lender: Siemens Financial Services LTD
- 2007-11-07➕INGRAM, Paul appointedsecretary
- 2007-10-15➖NEESAM, Kevin David resignedsecretary
- 2007-09-06🏢Company incorporatedAs AUTO ACCEPT FINANCE LIMITED
- 2007-09-06➕MAWSON, Nicholas appointeddirector
- 2007-09-06➕NEESAM, Kevin David appointeddirector
- 2007-09-06➕NEESAM, Kevin David appointedsecretary
- 2007-09-06➕DAVIES, Aaron Brys appointeddirector
- 2007-09-06➕INGRAM, Paul appointeddirector
Showing most recent 50 of 51 events
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 19 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
79/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. 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 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 high · 1 med ·2 insolvency-related filings on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2024-06-03: legacy; 2024-06-03: legacy
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
The Estate Of Derek James Neesam Individual · British · DOB 12/1936 · age 90 | 75–100% | 25–50% | 75-100% shares · 75-100% voting | 30/06/2016 |
Mr Kevin David Neesam Individual · British · DOB 10/1961 · age 65 | — | 50–75% | board control50-75% voting · board control | 08/09/2017 |
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 →Similar companies
Active · Financial services · ST postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ACCELERATE FINANCIAL SOLUTIONS LTD→ 15706564 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AJRB LTD→ 12236968 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AL CLAIMS VALIDATION SERVICES LTD→ 14143932 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ALVESTOKE FINANCE LIMITED→ 08443392 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| ASHLEY INSURANCE SERVICES LIMITED→ 02154403 · est 1987 · no financials extracted | — | — | — | — | 38y | — | — |
| ASKEY & SUTCLIFFE ASSOCIATES LIMITED→ 05277369 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| ASPIRA MORTGAGE AND PROTECTION ADVICE LTD→ 17029536 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ATKINS HOME SOLUTIONS LTD→ 16302802 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ATLANTA 1 INSURANCE SERVICES LIMITED→ 03642372 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| AW HOLDINGS & INVESTMENTS LTD→ 16388430 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BAKUL VASANT AND GRANDDAUGHTERS LTD→ 13183126 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| BALL CAPITAL INVESTMENT LIMITED→ 07587493 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
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
Incorporated2007-09-06
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
Swift House
Liverpool Road
Newcastle
Staffordshire
ST5 9JJ
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-23
Last: 2026-03-09
Officers (2 active · 5 resigned)
MAWSON, Nicholas→
Activedirector · ~50y · appointed 2007-09-06
View their other companies + combined net worth →
NEESAM, Kevin David→
Activedirector · ~65y · appointed 2007-09-06
View their other companies + combined net worth →
INGRAM, Paul→
Resignedsecretary · appointed 2007-11-07 · resigned 2009-10-30
NEESAM, Kevin David→
Resignedsecretary · appointed 2007-09-06 · resigned 2007-10-15
DAVIES, Aaron Brys→
Resigneddirector · ~58y · appointed 2007-09-06 · resigned 2016-10-03
INGRAM, Paul→
Resigneddirector · ~55y · appointed 2007-09-06 · resigned 2009-10-30
NEESAM, Derek James, The Estate Of→
Resigneddirector · ~90y · appointed 2007-09-06 · resigned 2024-10-02
Click a director name to see their full track record across all companies.
Mortgages & charges
10
Total charges
3
Outstanding
3
Active lenders
Status:Lender:10 of 10 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Seneca Capital Seneca Capital LTD | A registered charge | — | 22/02/2017 | 16/01/2023 | |
| outstanding | Hampshire Trust Bank Hampshire Trust Bank PLC | A registered charge | — | 25/09/2015 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 17/02/2015 | — | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | 1 property | 14/11/2013 | 21/02/2014 | |
| satisfied | Kingston Asset Finance | Block discounting agreement | 1 property | 15/08/2008 | 30/11/2022 | |
| satisfied | Singer & Friedlander Leasing Singer & Friedlander Leasing LTD | Master block discounting agreement | 1 property | 12/05/2008 | 30/11/2022 | |
| satisfied | Kingston Asset Finance Kingston Asset Finance Limited | Block discounting agreement | 1 property | 21/01/2008 | 30/11/2022 | |
| satisfied | Hitachi Capital (UK) Hitachi Capital (UK) PLC | Block discounting agreement | 1 property | 18/01/2008 | 30/11/2022 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 17/12/2007 | 02/04/2015 | |
| outstanding | Siemens Financial Services Siemens Financial Services LTD | Block discounting agreement | 1 property | 22/11/2007 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (108 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-27
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-19
termination-director-company-with-name-termination-date
officers · TM01
2024-11-08
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-20
legacy
insolvency · CAP-SS
2024-06-03
legacy
insolvency · CAP-SS
2024-06-03
resolution
resolution · RESOLUTIONS
2024-04-24
resolution
resolution · RESOLUTIONS
2024-04-24
resolution
resolution · RESOLUTIONS
2024-04-24
capital-cancellation-shares
capital · SH06
2024-04-24