ROMACO LIMITED
🌳Matureactive
07232590 · ltd · incorporated 2010-04-22
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 67-year-old founder — textbook succession opportunity.
Opportunity 76/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 11 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
16 live charges · 11 lenders · oldest 10.0y
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 10.0 years old — likely at or near maturity.
- · 11 lenders named — inter-creditor friction likely.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: high (84/100)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
16 charges (16/16 with lender, 16/16 with type)
90
Directors & officers
15 officers (6 active, 15 linked, 12 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
20 connected companies via shared directors
90
Filing history
125 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
74
Few red 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 | 2024-12-31 | 2023-12-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
1
filing
- • 1 confirmation-statement
Last 180 days
5
filings
- • 2 capital
- • 1 confirmation-statement
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (72 events)Click to expand
- 2026-02-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-23🔓Charge satisfied #9
- 2026-02-11📄resolutionresolution · RESOLUTIONS
- 2026-02-10📄capital-cancellation-sharescapital · SH06
- 2026-02-10📄capital-return-purchase-own-sharescapital · SH03
- 2025-08-12📄accounts-with-accounts-type-groupaccounts · AA
- 2025-06-04📄capital-return-purchase-own-sharescapital · SH03
- 2025-05-12📄resolutionresolution · RESOLUTIONS
- 2025-05-08📄capital-cancellation-sharescapital · SH06
- 2025-02-04📄capital-return-purchase-own-sharescapital · SH03
- 2024-12-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-17🔒Charge registered #16Lender: Lgb & Co. Limited
- 2024-12-17🔒Charge registered #15Lender: National Westminster Bank PLC
- 2024-12-10📄resolutionresolution · RESOLUTIONS
- 2024-12-09📄capital-cancellation-sharescapital · SH06
- 2024-12-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-26➖BERNBAUM, Kevin Barry resigneddirector
- 2024-11-13📄capital-return-purchase-own-sharescapital · SH03
- 2024-11-01📄capital-cancellation-sharescapital · SH06
- 2024-10-27📄memorandum-articlesincorporation · MA
- 2024-10-27📄resolutionresolution · RESOLUTIONS
- 2024-10-25📄resolutionresolution · RESOLUTIONS
- 2024-10-24📄capital-cancellation-sharescapital · SH06
- 2024-10-21📄capital-cancellation-sharescapital · SH06
- 2024-10-21📄second-filing-capital-cancellation-sharescapital · RP04SH06
- 2024-09-30📄accounts-with-accounts-type-groupaccounts · AA
- 2024-07-15🔓Charge satisfied #8
- 2024-07-15🔓Charge satisfied #6
- 2024-07-15🔓Charge satisfied #4
- 2024-07-15🔓Charge satisfied #3
- 2024-03-01➕ALLISON, Michael John appointeddirector
- 2024-03-01➕SEVERS, Matthew David James appointeddirector
- 2023-09-05🔒Charge registered #14Lender: Cambridge Building Society
- 2023-07-17🔒Charge registered #13Lender: Lgb & Co. Limited
- 2023-07-17🔒Charge registered #12Lender: Lgb & Co. Limited
- 2023-05-31🔒Charge registered #11Lender: The Greater Manchester Combined Authority
- 2022-03-08🔒Charge registered #10Lender: Tmf Trustee Limited
- 2021-12-16🔒Charge registered #9Lender: British Business Investments LTD
- 2021-07-21🔓Charge satisfied #5
- 2021-07-21🔓Charge satisfied #2
- 2021-07-08🔒Charge registered #8Lender: Averon Park Limited
- 2021-07-08🔒Charge registered #7Lender: Shawbrook Bank Limited
- 2021-07-08🔒Charge registered #6Lender: Averon Park Limited
- 2021-04-19➖JONES, Nicholas resigneddirector
- 2020-09-21➕BERNBAUM, Kevin Barry appointeddirector
- 2020-09-21➕JONES, Nicholas appointeddirector
- 2019-03-14➕SMART SOL SERVICES LTD appointedcorporate-secretary
- 2019-03-14➖LITTMAN, Wendy resignedsecretary
- 2019-01-31➖LEWIS, Stephen Brian resigneddirector
Showing most recent 50 of 72 events
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 67 — succession pressure is live.
Succession & seller-readiness
63/100
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.
- secondary12+ year tenure: Director in role 16 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
8 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Philip Isaac Hodari Individual · British · DOB 01/1961 · age 65 | 50–75% | 50–75% | 50-75% shares · 50-75% 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 · M postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AEC CONSULTANCY LIMITED→ 16221763 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AIRSWIFT TRUSTEES LIMITED→ 12449892 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| AJ BELL DIGITAL SAVINGS LIMITED→ 11180432 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AJIS CAPITAL LIMITED→ 07675547 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| AKBANI FINANCIAL LTD→ 13021559 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AKS BROKER LIMITED→ 16416973 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALBIAN GROUP LTD→ 17038815 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ALDO MARK SERVICES LIMITED→ 11139295 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| ALI BROTHERS GROUP LTD→ 16391962 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ALIF GLOBAL LTD→ 14926991 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ALISA INVESTMENTS LIMITED→ 00563224 · est 1956 · no financials extracted | — | — | — | — | 70y | — | — |
| ALLIED BUSINESS SERVICES ROCHDALE LIMITED→ 13907962 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2010-04-22
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
15 Carnarvon Street
Manchester
M3 1HJ
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-05-06
Last: 2026-04-22
Officers (6 active · 9 resigned)
SMART SOL SERVICES LTD→
Activecorporate-secretary · appointed 2019-03-14
View their other companies + combined net worth →
ALLISON, Michael John→
Activedirector · ~48y · appointed 2024-03-01
View their other companies + combined net worth →
HODARI, Philip Isaac→
Activedirector · ~65y · appointed 2010-06-08
View their other companies + combined net worth →
MARSHALL, Scott James→
Activedirector · ~52y · appointed 2012-02-29
View their other companies + combined net worth →
RICHARDSON, Keith John→
Activedirector · ~67y · appointed 2014-03-06
View their other companies + combined net worth →
SEVERS, Matthew David James→
Activedirector · ~49y · appointed 2024-03-01
View their other companies + combined net worth →
LITTMAN, Wendy→
Resignedsecretary · appointed 2012-01-04 · resigned 2019-03-14
BAKER, Stephen Paul→
Resigneddirector · ~70y · appointed 2016-10-06 · resigned 2018-06-01
BERNBAUM, Kevin Barry→
Resigneddirector · ~64y · appointed 2020-09-21 · resigned 2024-11-26
HALLIWELL, Mark→
Resigneddirector · ~65y · appointed 2010-04-22 · resigned 2010-06-08
HODARI, Alan Felix→
Resigneddirector · ~62y · appointed 2012-02-29 · resigned 2014-11-11
HODARI, Alan Felix→
Resigneddirector · ~62y · appointed 2010-06-08 · resigned 2011-12-31
JONES, Nicholas→
Resigneddirector · ~50y · appointed 2020-09-21 · resigned 2021-04-19
LEWIS, Stephen Brian→
Resigneddirector · ~70y · appointed 2017-09-19 · resigned 2019-01-31
HALLIWELLS DIRECTORS LIMITED→
Resignedcorporate-director · appointed 2010-04-22 · resigned 2010-06-08
Click a director name to see their full track record across all companies.
Mortgages & charges
16
Total charges
8
Outstanding
6
Active lenders
Status:Lender:16 of 16 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lgb & Co. Lgb & Co. Limited | A registered charge | — | 17/12/2024 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 17/12/2024 | — | |
| outstanding | Cambridge Building Society | A registered charge | 1 property | 05/09/2023 | — | |
| outstanding | Lgb & Co. Lgb & Co. Limited | A registered charge | — | 17/07/2023 | — | |
| outstanding | Lgb & Co. Lgb & Co. Limited | A registered charge | — | 17/07/2023 | — | |
| outstanding | The Greater Manchester Combined Authority | A registered charge | — | 31/05/2023 | — | |
| outstanding | Tmf Trustee Tmf Trustee Limited | A registered charge | — | 08/03/2022 | — | |
| satisfied | British Business Investments British Business Investments LTD | A registered charge | — | 16/12/2021 | 23/02/2026 | |
| satisfied | Averon Park Averon Park Limited | A registered charge | — | 08/07/2021 | 15/07/2024 | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 08/07/2021 | — | |
| satisfied | Averon Park Averon Park Limited | A registered charge | — | 08/07/2021 | 15/07/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC, in Its Capacity as Security Trustee for the Secured Parties (Security Trustee) | A registered charge | 1 property | 26/11/2018 | 21/07/2021 | |
| satisfied | Averon Park Averon Park Limited | A registered charge | — | 06/04/2018 | 15/07/2024 | |
| satisfied | Averon Park Averon Park Limited | A registered charge | — | 06/04/2018 | 15/07/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 14/07/2016 | 21/07/2021 | |
| satisfied | Hemmingway (Investments) . Hemmingway (Investments) LTD. | A registered charge | 1 property | 26/05/2016 | 02/06/2016 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (125 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-23
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-23
resolution
resolution · RESOLUTIONS
2026-02-11
capital-cancellation-shares
capital · SH06
2026-02-10
capital-return-purchase-own-shares
capital · SH03
2026-02-10
accounts-with-accounts-type-group
accounts · AA
2025-08-12
capital-return-purchase-own-shares
capital · SH03
2025-06-04
resolution
resolution · RESOLUTIONS
2025-05-12
capital-cancellation-shares
capital · SH06
2025-05-08
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-22
capital-return-purchase-own-shares
capital · SH03
2025-02-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-18
resolution
resolution · RESOLUTIONS
2024-12-10
capital-cancellation-shares
capital · SH06
2024-12-09