ACTION FINANCE LIMITED
💤Zombieactive
07123753 · ltd · incorporated 2010-01-13
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£-10.3k
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -68% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (78/100)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
3 officers (1 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Negative net assets
Liabilities exceed assets by £10,279
Cash draining
Cash down 68% YoY
Cash YoY
-68%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£428
↓ 68% YoY
Net Worth
-£10k
↓ 22% YoY
Current Assets
£428
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | — | £-8.5k |
| Current assets | £428 | — |
| Cash | £428 | £1.3k |
| Net assets | £-10.3k | £-8.5k |
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
1
filing
- • 1 address
Last 90 days
1
filing
- • 1 address
Last 180 days
2
filings
- • 1 address
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-06-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-10-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-05➕EASTMAN, Neil appointeddirector
- 2025-03-05➖AYRES, Catherine Ann resigneddirector
- 2025-03-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-03-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-03-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-05📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-07-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-03📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-01-03📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-11-29➖HAINES, Lee Josephine resigneddirector
- 2023-11-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-10-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-08-21📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-13📄change-person-director-company-with-change-dateofficers · CH01
- 2022-01-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-10-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-09➕AYRES, Catherine Ann appointeddirector
- 2020-09-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2010-01-13🏢Company incorporatedAs ACTION FINANCE LIMITED
- 2010-01-13➕HAINES, Lee Josephine appointeddirector
Owner dependency
90/100
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
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder age: Director aged approximately 67 — succession pressure is live.
Succession & seller-readiness
65/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Neil Eastman Individual · British · DOB 08/1959 · age 67 | 75–100% | — | 75-100% shares | 05/03/2025 |
2 historic (ceased) PSCs
- Mrs Catherine Ann Ayresceased 05/03/2025· 75-100% shares
- Miss Lee Josephine Hainesceased 03/01/2024· 75-100% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · PO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALTUNATMAZ JEWELLERY LIMITED→ 16692749 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ASHRIDGE FINANCE LIMITED→ 09572922 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ASTREA LIMITED→ 02504438 · est 1990 · no financials extracted | — | — | — | — | 35y | — | — |
| ASTUTE MORTGAGES LTD→ 12727722 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BARNHAM BUSINESS SOLUTIONS LTD→ 09288889 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| BARRETT TRADING LTD→ 15756139 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BEAUBRIDGE (UK) LIMITED→ 08914960 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| BEN WATTS LTD→ 12629027 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BEPROTECTED LIMITED→ 12474653 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| BEST LIFE FINANCIAL PLANNING LTD→ 11663155 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BETTLES-HALL INVESTMENTS LTD→ 15378332 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BGL WEALTH LIMITED→ 08123908 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2010-01-13
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Office 83 Regus
Building 1000 Lakeside, Western Road
Portsmouth
Hampshire
PO6 3EZ
United Kingdom
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-03-19
Last: 2026-03-05
Officers (1 active · 2 resigned)
EASTMAN, Neil→
Activedirector · ~67y · appointed 2025-03-05
View their other companies + combined net worth →
AYRES, Catherine Ann→
Resigneddirector · ~54y · appointed 2020-09-09 · resigned 2025-03-05
HAINES, Lee Josephine→
Resigneddirector · ~63y · appointed 2010-01-13 · resigned 2023-11-29
Click a director name to see their full track record across all companies.
Recent filings (49 total)
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-06-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-27
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-05
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-03-05
appoint-person-director-company-with-name-date
officers · AP01
2025-03-05
termination-director-company-with-name-termination-date
officers · TM01
2025-03-05
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-16
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-01-03
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-03
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-01-03
termination-director-company-with-name-termination-date
officers · TM01
2023-11-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-18