ARGENTUM FINANCE LTD

💤Zombieactive
08068054 · ltd · incorporated 2012-05-14
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£9.4k
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

1 live charge · oldest 13.9y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 13.9 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
4 officers (1 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
51 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
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 £9,359

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£9k
↑ 298% YoY
Current Assets
£44k
↓ 2.8% YoY
Current Liabilities
—
£0£9k£18k£27k£36k£45kMay 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-05-312024-05-31
Total assets£59.6k£61.2k
Current assets£44.1k£45.4k
Net assets£9.4k£2.4k

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2026-02-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-02-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-11-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2024-05-22
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2024-05-22
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2024-05-22
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2024-02-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2023-11-08
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2023-11-08
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2023-11-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2023-02-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2022-02-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2021-05-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2021-04-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2021-04-14
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  16. 2020-02-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2019-05-01
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  18. 2019-04-30
    ➖
    VERDI, Jelena resigned
    director
  19. 2014-05-19
    🔓
    Charge satisfied #1
  20. 2014-04-27
    ➕
    WELLS, Michael John appointed
    director
  21. 2014-03-03
    ➖
    BODNARS, Raimonds resigned
    director
  22. 2014-03-03
    ➕
    VERDI, Jelena appointed
    director
  23. 2014-03-03
    ➖
    VERDI, Marat resigned
    director
  24. 2012-08-07
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  25. 2012-05-14
    🏢
    Company incorporated
    As ARGENTUM FINANCE LTD
  26. 2012-05-14
    ➕
    BODNARS, Raimonds appointed
    director
  27. 2012-05-14
    ➕
    VERDI, Marat 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
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

58/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 12 years.
  • 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.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Michael John Wells
Individual · British · DOB 10/1969 · age 57
50–75%
50–75%board control50-75% shares · 50-75% voting · board control15/05/2016
Justyna Wells
Individual · Polish · DOB 09/1980 · age 46
25–50%
25–50%25-50% shares · 25-50% voting31/03/2021
1 historic (ceased) PSC
  • Miss Jelena Verdiceased 30/04/2019· 25-50% shares · 25-50% voting

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2012-05-14
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

New Quorn House
41 Potter Street
Worksop
Nottinghamshire
S80 2AE
England

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-03-30
Last: 2026-03-16

Officers (1 active · 3 resigned)

WELLS, Michael John→
director · ~57y · appointed 2014-04-27
View their other companies + combined net worth →
Active
BODNARS, Raimonds→
director · ~51y · appointed 2012-05-14 · resigned 2014-03-03
Resigned
VERDI, Jelena→
director · ~43y · appointed 2014-03-03 · resigned 2019-04-30
Resigned
VERDI, Marat→
director · ~41y · appointed 2012-05-14 · resigned 2014-03-03
Resigned

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
TypeProperties
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Debenture1 property07/08/201219/05/2014

Recent filings (51 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-19
accounts-with-accounts-type-micro-entity
accounts · AA
2026-02-20
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-20
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-11-05
change-person-director-company-with-change-date
officers · CH01
2024-05-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-22
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-20
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-11-08
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-16
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-24