ANGEL ADVANCE LIMITED

🌳Matureactive
08080440 · ltd · incorporated 2012-05-23
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 12.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 12.5y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 12.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (83/100)

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 (5 active, 7 linked, 7 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
63 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees575300

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
1
filing
  • • 1 confirmation-statement
Last 180 days
4
filings
  • • 2 capital
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2025-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-12-01
    📄
    capital-alter-shares-subdivision
    capital · SH02
  3. 2025-11-26
    📄
    capital-allotment-shares
    capital · SH01
  4. 2024-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-09-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2022-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-08-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2022-03-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-07-05
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2021-07-02
    ➖
    WHITTAKER, Joanne Louise resigned
    director
  12. 2021-03-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2021-03-18
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2021-03-17
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  15. 2021-03-17
    📄
    capital-allotment-shares
    capital · SH01
  16. 2021-03-17
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2021-03-17
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2021-03-17
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2021-03-15
    ➕
    BANKS, Bethan Margaret appointed
    director
  20. 2021-03-15
    ➕
    DALE, Jennifer Claire appointed
    director
  21. 2021-03-15
    ➕
    MARINER, Ben David appointed
    director
  22. 2021-03-15
    ➕
    MCLEISH, Susan Elizabeth appointed
    director
  23. 2020-04-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  24. 2019-12-02
    🔓
    Charge satisfied #1
  25. 2016-12-06
    ➕
    KIRSZANEK, Paul James appointed
    director
  26. 2013-11-05
    🔒
    Charge registered #1
    Lender: Goldentree Financial Services PLC
  27. 2013-07-17
    ➖
    JONES, Thomas Martin resigned
    director
  28. 2013-07-17
    ➕
    WHITTAKER, Joanne Louise appointed
    director
  29. 2012-05-23
    🏢
    Company incorporated
    As ANGEL ADVANCE LIMITED
  30. 2012-05-23
    ➕
    JONES, Thomas Martin appointed
    director

Owner dependency

40/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -5 active directors: Broader management team in place — suggests transferable governance.

Succession & seller-readiness

30/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mrs Joanne Louise Whittaker
Individual · British · DOB 08/1977 · age 49
—25–50%25-50% voting06/04/2016
1 historic (ceased) PSC
  • Mr Fred Doneceased 01/07/2020· 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 →

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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
Incorporated2012-05-23
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

St Andrews House, 1st Floor Kelvin Close
Birchwood
Warrington
WA3 7PB
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-23
Last: 2026-03-09

Officers (5 active · 2 resigned)

BANKS, Bethan Margaret→
director · ~44y · appointed 2021-03-15
View their other companies + combined net worth →
Active
DALE, Jennifer Claire→
director · ~47y · appointed 2021-03-15
View their other companies + combined net worth →
Active
KIRSZANEK, Paul James→
director · ~49y · appointed 2016-12-06
View their other companies + combined net worth →
Active
MARINER, Ben David→
director · ~42y · appointed 2021-03-15
View their other companies + combined net worth →
Active
MCLEISH, Susan Elizabeth→
director · ~48y · appointed 2021-03-15
View their other companies + combined net worth →
Active
JONES, Thomas Martin→
director · ~40y · appointed 2012-05-23 · resigned 2013-07-17
Resigned
WHITTAKER, Joanne Louise→
director · ~49y · appointed 2013-07-17 · resigned 2021-07-02
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
Goldentree Financial Services
Goldentree Financial Services PLC
A registered charge—05/11/201302/12/2019

Recent filings (63 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-18
capital-alter-shares-subdivision
capital · SH02
2025-12-01
capital-allotment-shares
capital · SH01
2025-11-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-19
change-person-director-company-with-change-date
officers · CH01
2023-09-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-08-08
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-29
termination-director-company-with-name-termination-date
officers · TM01
2021-07-05