121 FINANCE LTD
🌳Matureactive
07438358 · ltd · incorporated 2010-11-12
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 13.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£-1.46M
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Other service activities n.e.c.
Sector: Other service activities
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 72/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: distressed disposal / insolvency (65/100).
🏦
Refinance opportunity
1 live charge · oldest 13.3y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 13.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 6 with DOB)
87
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
60 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £1,455,524
Key financials
2 years extracted from filed iXBRL accountsCash
£16k
Net Worth
-£1.5m
Current Assets
£946k
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £-1.46M | — |
| Current assets | £945.6k | — |
| Cash | £15.6k | — |
| Debtors | £930.0k | — |
| Net assets | £-1.46M | — |
| Average employees | — | 0 |
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 gazette
- • 1 accounts
Last 180 days
3
filings
- • 2 gazette
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
- 2026-02-25📄gazette-filings-brought-up-to-dategazette · DISS40
- 2026-02-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-01-27📄gazette-notice-compulsorygazette · GAZ1
- 2025-02-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-11-04📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-11-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-01✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-08-01➕BERESFORD, Chloe Louise appointeddirector
- 2024-08-01➖REA, Esta resigneddirector
- 2024-04-08✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2023-09-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-31📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-10-31📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-10📄gazette-filings-brought-up-to-dategazette · DISS40
- 2021-03-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-27📄gazette-filings-brought-up-to-dategazette · DISS40
- 2021-01-26📄gazette-notice-compulsorygazette · GAZ1
- 2019-10-01➕OXLEY, David Andrew appointeddirector
- 2016-06-09➕REA, Esta appointeddirector
- 2016-06-09➖REA, Joseph Aaron resigneddirector
- 2015-06-30🔓Charge satisfied #1
- 2014-07-23➖BULLOUGH, Ian John resignedsecretary
- 2014-06-30➖BULLOUGH, Ian John resigneddirector
- 2013-01-14🔒Charge registered #1Lender: Reward Capital LLP
- 2013-01-11➖RYAN, John Michael resigneddirector
- 2010-11-12🏢Company incorporatedAs 121 FINANCE LTD
- 2010-11-12➕BULLOUGH, Ian John appointedsecretary
- 2010-11-12➕BULLOUGH, Ian John appointeddirector
- 2010-11-12➕REA, Joseph Aaron appointeddirector
- 2010-11-12➕RYAN, John Michael appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Name changed recently
mediumName changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2024-11-01: certificate-change-of-name-company
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Chloe Louise Beresford Individual · British · DOB 05/1981 · age 45 | 75–100% | — | 75-100% shares | 01/08/2024 |
1 historic (ceased) PSC
- Mrs Esta Reaceased 01/08/2024· 75-100% shares
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
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|---|---|---|---|---|---|---|---|
| 57 ST GEORGE'S ROAD MANAGEMENT COMPANY LTD→ 11732100 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 8TH HABIT LIMITED→ 10229972 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| A.S.E. COMPUTER SERVICES LTD→ 04645219 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| ACE STAIRLIFTS (SOUTHERN) LIMITED→ 11653761 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACT COMMERCIAL PROPERTY LTD→ 11783803 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ADVANTAGE BUSINESS SUPPORT LTD→ 14381581 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AGA CLEAN LIMITED→ 06492844 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| AGGETTIVO LIMITED→ 06952545 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| AIMES HEALTH AND BEAUTY LIMITED→ 08061583 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| AL ARABIYYA FOR NETWORKS & IT LTD→ 13821793 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ALL SECURE ALARMS LTD→ 16475464 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALMAS TRAINING LTD→ 11283535 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2010-11-12
Jurisdictionengland-wales
Primary SIC96090 — Other service activities n.e.c.
Registered office
1 Cardale Park
Cardale Park
Harrogate
HG3 1RY
England
Filing status
Accounts
Next due: 2026-08-29
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-11-18
Last: 2025-11-04
Officers (2 active · 5 resigned)
BERESFORD, Chloe Louise→
Activedirector · ~45y · appointed 2024-08-01
View their other companies + combined net worth →
OXLEY, David Andrew→
Activedirector · ~57y · appointed 2019-10-01
View their other companies + combined net worth →
BULLOUGH, Ian John→
Resignedsecretary · appointed 2010-11-12 · resigned 2014-07-23
BULLOUGH, Ian John→
Resigneddirector · ~66y · appointed 2010-11-12 · resigned 2014-06-30
REA, Esta→
Resigneddirector · ~48y · appointed 2016-06-09 · resigned 2024-08-01
REA, Joseph Aaron→
Resigneddirector · ~50y · appointed 2010-11-12 · resigned 2016-06-09
RYAN, John Michael→
Resigneddirector · ~76y · appointed 2010-11-12 · resigned 2013-01-11
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Reward Capital Reward Capital LLP | Debenture | 1 property | 14/01/2013 | 30/06/2015 |
Recent filings (60 total)
gazette-filings-brought-up-to-date
gazette · DISS40
2026-02-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-24
gazette-notice-compulsory
gazette · GAZ1
2026-01-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-24
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-04
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-11-04
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-11-04
appoint-person-director-company-with-name-date
officers · AP01
2024-11-04
termination-director-company-with-name-termination-date
officers · TM01
2024-11-04
certificate-change-of-name-company
change-of-name · CERTNM
2024-11-01
certificate-change-of-name-company
change-of-name · CERTNM
2024-04-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-13
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-08-31