ASCENT FUNDING LIMITED
🌳Matureactive
07814409 · ltd · incorporated 2011-10-18
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 10.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueActive trading company with a 68-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 10.8y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 10.8 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (60/100)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
No iXBRL financials extracted
0
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
47 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Last 180 days
4
filings
- • 2 persons-with-significant-control
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2026-04-18📄accounts-with-accounts-type-smallaccounts · AA
- 2026-02-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-08🔒Charge registered #3Lender: National Westminster Bank PLC
- 2025-04-22📄accounts-with-accounts-type-smallaccounts · AA
- 2024-04-18📄accounts-with-accounts-type-smallaccounts · AA
- 2023-04-24📄accounts-with-accounts-type-smallaccounts · AA
- 2022-04-12📄accounts-with-accounts-type-smallaccounts · AA
- 2021-04-26📄accounts-with-accounts-type-smallaccounts · AA
- 2020-04-03📄accounts-with-accounts-type-smallaccounts · AA
- 2019-11-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-11-21🔓Charge satisfied #1
- 2019-10-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-10-04🔒Charge registered #2Lender: National Westminster Bank PLC
- 2019-04-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-13📄change-person-director-company-with-change-dateofficers · CH01
- 2018-03-13📄change-person-director-company-with-change-dateofficers · CH01
- 2015-09-29🔒Charge registered #1Lender: Shawbrook Bank Limited
- 2011-10-18🏢Company incorporatedAs ASCENT FUNDING LIMITED
- 2011-10-18➕LEDERBERG, Gary Scott appointedsecretary
- 2011-10-18➕ESTERKIN, Eugene Barry appointeddirector
- 2011-10-18➕LEDERBERG, Gary Scott appointeddirector
- 2011-10-18➕MITCHELL, Paul Edward appointeddirector
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
- +Founder age: Director aged approximately 68 — 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 68. Approaching typical UK retirement age — succession thinking likely.
- secondary12+ year tenure: Director in role 15 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Sara Dorn Esterkin Individual · British · DOB 07/1962 · age 64 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Eugene Barry Esterkin Individual · British · DOB 11/1958 · age 68 | 25–50% | 25–50% | 25-50% shares · 25-50% 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 |
|---|---|---|---|---|---|---|---|
| ALIF GLOBAL LTD→ 14926991 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ASL MORTGAGES AND PROTECTION LTD→ 12313996 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ASPIRE + WEALTH MANAGEMENT LIMITED→ 12119590 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ASSETUS LIMITED→ 16194923 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ASSETZ CAPITAL FUNDING LTD→ 14669696 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ASSETZ CAPITAL LENDING (ALPHA) LIMITED→ 13220941 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ASSETZ CAPITAL LENDING (BRAVO) LIMITED→ 14103605 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ASSOCIATED BODYSHOP FACTORS LIMITED→ 05098842 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| ASSURED FINANCE LIMITED→ 12761253 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ASTUTE FINANCE LIMITED→ 11334616 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ATHERTON FINANCIAL CONSULTANCY LIMITED→ 08400509 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| ATIF GROUP LTD→ 15559030 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated2011-10-18
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
7 St James Square
Manchester
M2 6XX
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-06-14
Last: 2026-05-31
Officers (4 active · 0 resigned)
LEDERBERG, Gary Scott→
Activesecretary · appointed 2011-10-18
View their other companies + combined net worth →
ESTERKIN, Eugene Barry→
Activedirector · ~68y · appointed 2011-10-18
View their other companies + combined net worth →
LEDERBERG, Gary Scott→
Activedirector · ~54y · appointed 2011-10-18
View their other companies + combined net worth →
MITCHELL, Paul Edward→
Activedirector · ~50y · appointed 2011-10-18
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
2
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 08/07/2025 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 04/10/2019 | — | |
| satisfied | Shawbrook Shawbrook Bank Limited | A registered charge | — | 29/09/2015 | 21/11/2019 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (47 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-03
accounts-with-accounts-type-small
accounts · AA
2026-04-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-02
accounts-with-accounts-type-small
accounts · AA
2025-04-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-31
accounts-with-accounts-type-small
accounts · AA
2024-04-18
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-31
accounts-with-accounts-type-small
accounts · AA
2023-04-24
confirmation-statement-with-updates
confirmation-statement · CS01
2022-05-31
accounts-with-accounts-type-small
accounts · AA
2022-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-01
accounts-with-accounts-type-small
accounts · AA
2021-04-26