ABERDEEN ENTERPRISE FINANCE LIMITED

🌳Matureactive
06662401 · ltd · incorporated 2008-08-01
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 16.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2024
Net worth
£1.53M
book net assets
Opportunity
83/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
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
Pursue
Active trading company with a 79-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 79). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 16.5y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 16.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (74/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 4 with DOB)
86
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
11 connected companies via shared directors
78
Filing history
55 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £1,525,182
Net assets shrinking
Down £14,756 YoY
Cash YoY
+353%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£567k
↑ 353% YoY
Net Worth
£1.5m
~ YoY
Current Assets
£7.0m
↑ 10% YoY
Current Liabilities
—
£0£1.4m£2.8m£4.2m£5.6m£7.0mAug 2023Aug 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-08-312023-08-31
Total assets£6.34M£5.89M
Current assets£6.98M£6.35M
Cash£567.4k£125.1k
Debtors£6.41M£6.22M
Net assets£1.53M£1.54M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2025-05-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-05-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2024-05-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-05-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-02-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2023-02-08
    ➕
    CALLEJA, Anton Jason appointed
    director
  7. 2022-05-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-05-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-05-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-05-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2018-05-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2017-05-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-05-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2015-08-10
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-03-06
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2014-08-11
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2009-11-19
    🔒
    Charge registered #1
    Lender: Colin a Foster (As Security Trustee for the Lenders)
  18. 2008-09-01
    ➕
    BACKHOUSE, Michael appointed
    director
  19. 2008-09-01
    ➕
    IRVINE, Terence appointed
    director
  20. 2008-09-01
    ➖
    ISHAK, Marianne resigned
    secretary
  21. 2008-09-01
    ➖
    SMITH, Matthew Neale resigned
    director
  22. 2008-08-01
    🏢
    Company incorporated
    As ABERDEEN ENTERPRISE FINANCE LIMITED
  23. 2008-08-01
    ➕
    ISHAK, Marianne appointed
    secretary
  24. 2008-08-01
    ➕
    SMITH, Matthew Neale appointed
    director

Owner dependency

75/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 79 — succession pressure is live.

Succession & seller-readiness

83/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 18 years.
  • secondaryStable-but-static management: Company is 18 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
🔒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 · YO postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
ALEGRA STRATEGIC LIMITED→
12386188 · est 2020 · no financials extracted
————6y——
ALTIUS IFA LIMITED→
16310462 · est 2025 · no financials extracted
————1y——
AMDINE LTD→
08820148 · est 2013 · no financials extracted
————12y——
ANDERSON BROWN (WHITBY) LTD→
04302436 · est 2001 · no financials extracted
————24y——
ANYWAY VENTURES LIMITED→
16318119 · est 2025 · no financials extracted
————1y——
APH INVESTMENT COMPANY LIMITED→
16206936 · est 2025 · no financials extracted
————1y——
ARDENT IFA LIMITED→
06014584 · est 2006 · no financials extracted
————19y——
ASKHAM BRYAN INVESTMENTS LIMITED→
14042592 · est 2022 · no financials extracted
————4y——
AUTUS LIFETIME PLANNING LIMITED→
08813223 · est 2013 · no financials extracted
————12y——
AVIVA ERFA 15 UK LIMITED→
06518135 · est 2008 · no financials extracted
————18y——
AVIVA INVESTMENT SOLUTIONS UK LIMITED→
06389025 · est 2007 · no financials extracted
————18y——
AVIVA LIFE & PENSIONS UK LIMITED→
03253947 · est 1996 · no financials extracted
————29y——
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
Incorporated2008-08-01
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

Regent House 11 Regent Street
Pocklington
York
East Yorkshire
YO42 2QN

Filing status

Accounts
Next due: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-07-30
Last: 2025-07-16

Officers (3 active · 2 resigned)

BACKHOUSE, Michael→
director · ~70y · appointed 2008-09-01
View their other companies + combined net worth →
Active
CALLEJA, Anton Jason→
director · ~49y · appointed 2023-02-08
View their other companies + combined net worth →
Active
IRVINE, Terence→
director · ~79y · appointed 2008-09-01
View their other companies + combined net worth →
Active
ISHAK, Marianne→
secretary · appointed 2008-08-01 · resigned 2008-09-01
Resigned
SMITH, Matthew Neale→
director · ~49y · appointed 2008-08-01 · resigned 2008-09-01
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Colin a Foster (As Security Trustee for the Lenders)
Debenture1 property19/11/2009—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (55 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-27
change-person-director-company-with-change-date
officers · CH01
2025-05-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-23
appoint-person-director-company-with-name-date
officers · AP01
2023-02-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-05-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-07-31