365 BUSINESS FINANCE LIMITED
🌳Matureactive
08267810 · ltd · incorporated 2012-10-25
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
72/100
Strong
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
PursueActive trading company with a 84-year-old founder — textbook succession opportunity.
Opportunity 72/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 84). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
12 live charges · 7 lenders · oldest 10.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 10.2 years old — likely at or near maturity.
- · 7 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
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
12 charges (12/12 with lender, 12/12 with type)
90
Directors & officers
7 officers (6 active, 7 linked, 7 with DOB)
90
Ownership & PSC
0 active PSC(s) of 2 total, 2 with control declared
90
Director network
13 connected companies via shared directors
84
Filing history
123 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
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
71
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 |
|---|---|---|
| Average employees | 6100 | 6000 |
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
0
filings
Last 180 days
9
filings
- • 4 capital
- • 2 confirmation-statement
- • 2 address
Counts from Companies House filing history.
Corporate timeline (48 events)Click to expand
- 2026-01-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-01-22📄capital-allotment-sharescapital · SH01
- 2026-01-20➕ABBEY, Warren Robert appointeddirector
- 2025-12-23📄capital-allotment-sharescapital · SH01
- 2025-12-19📄replacement-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP01CS01
- 2025-12-03📄capital-cancellation-sharescapital · SH06
- 2025-12-03📄capital-return-purchase-own-sharescapital · SH03
- 2025-11-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-11-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-09-02📄capital-cancellation-sharescapital · SH06
- 2025-09-02📄capital-return-purchase-own-sharescapital · SH03
- 2025-07-08📄accounts-with-accounts-type-groupaccounts · AA
- 2025-06-30📄capital-return-purchase-own-sharescapital · SH03
- 2025-06-27📄capital-cancellation-sharescapital · SH06
- 2025-05-29📄capital-cancellation-sharescapital · SH06
- 2025-05-29📄capital-return-purchase-own-sharescapital · SH03
- 2025-03-26📄capital-cancellation-sharescapital · SH06
- 2025-03-26📄capital-return-purchase-own-sharescapital · SH03
- 2025-02-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-04🔒Charge registered #12Lender: Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties
- 2025-02-04🔒Charge registered #11Lender: Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties
- 2024-07-26📄accounts-with-accounts-type-groupaccounts · AA
- 2024-07-26📄capital-cancellation-sharescapital · SH06
- 2024-07-26📄capital-return-purchase-own-sharescapital · SH03
- 2024-07-16📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-06-13🔒Charge registered #10Lender: Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties
- 2022-10-10🔒Charge registered #9Lender: Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties
- 2022-10-10🔒Charge registered #8Lender: Westbrooke Private Capital S.A.R.L. Acting Exclusively in the Name and on Behalf of Its Compartment A
- 2022-09-17➖RAPHAELY, Anthony Gilcape resigneddirector
- 2022-02-07🔓Charge satisfied #6
- 2021-12-29🔒Charge registered #7Lender: Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties
- 2021-10-18➕KURLAND, Grant Colin appointeddirector
- 2021-02-04🔒Charge registered #6Lender: Mobivate Limited
- 2020-08-12➕FISHER, Allan Brian Henry, Mr. appointeddirector
- 2020-08-12➕GISHEN, Bradley Grant, Mr. appointeddirector
- 2020-08-12➕POLATINSKY, Rafael appointeddirector
- 2020-03-16🔒Charge registered #5Lender: Honeycomb Investment Trust PLC
- 2018-09-29🔓Charge satisfied #3
- 2018-09-29🔓Charge satisfied #1
- 2018-06-28🔒Charge registered #4Lender: Honeycomb Investment Trust PLC
- 2016-08-17🔓Charge satisfied #2
- 2016-08-15🔒Charge registered #3Lender: Cederberg Holdings Corp
- 2016-03-23🔒Charge registered #2Lender: Telection Overseas Inc
- 2016-03-03🔒Charge registered #1Lender: Stonewood Strategic Investments Limited
- 2015-12-03➕RAPHAELY, Anthony Gilcape appointeddirector
- 2012-10-25🏢Company incorporatedAs 365 BUSINESS FINANCE LIMITED
- 2012-10-25➕RAPHAELY, Andrew David appointeddirector
Owner dependency
55/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 84 — succession pressure is live.
Succession & seller-readiness
73/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 84 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 14 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 2 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.
Multiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
🔒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 · W postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 101 INVESTMENTS (GP) LIMITED→ 05369392 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| 1OAK CAPITAL LIMITED→ 06890293 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| 1ST FINANCIAL LIMITED→ 03914025 · est 2000 · no financials extracted | — | — | — | — | 26y | — | — |
| 25 LUKE STREET LIMITED→ 06536226 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| 311 VENTURES LTD.→ 10568189 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| 360-EQUITY LIMITED→ 11971621 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 3C PAYMENT UK LTD→ 03257901 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| 42 RISK MANAGEMENT LIMITED→ 15788806 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 4879 CASTELLO LTD→ 09627515 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| 4TALL TREES LIMITED→ 13922681 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 5HELIX LTD→ 16196909 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 61M LTD→ 09036590 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated2012-10-25
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
Manor House
21 Soho Square
London
W1D 3QP
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-06
Last: 2025-11-22
Officers (6 active · 1 resigned)
ABBEY, Warren Robert→
Activedirector · ~41y · appointed 2026-01-20
View their other companies + combined net worth →
FISHER, Allan Brian Henry, Mr.→
Activedirector · ~84y · appointed 2020-08-12
View their other companies + combined net worth →
GISHEN, Bradley Grant, Mr.→
Activedirector · ~54y · appointed 2020-08-12
View their other companies + combined net worth →
KURLAND, Grant Colin→
Activedirector · ~55y · appointed 2021-10-18
View their other companies + combined net worth →
POLATINSKY, Rafael→
Activedirector · ~49y · appointed 2020-08-12
View their other companies + combined net worth →
RAPHAELY, Andrew David→
Activedirector · ~54y · appointed 2012-10-25
View their other companies + combined net worth →
RAPHAELY, Anthony Gilcape→
Resigneddirector · ~87y · appointed 2015-12-03 · resigned 2022-09-17
Click a director name to see their full track record across all companies.
Mortgages & charges
12
Total charges
8
Outstanding
3
Active lenders
Status:Lender:12 of 12 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Psc Service Company as Security Agent and Security Trustee for the Secured Parties Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties | A registered charge | 1 property | 04/02/2025 | — | |
| outstanding | Psc Service Company as Security Agent and Security Trustee for the Secured Parties Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties | A registered charge | 1 property | 04/02/2025 | — | |
| outstanding | Psc Service Company as Security Agent and Security Trustee for the Secured Parties Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties | A registered charge | 1 property | 13/06/2023 | — | |
| outstanding | Psc Service Company as Security Agent and Security Trustee for the Secured Parties Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties | A registered charge | 1 property | 10/10/2022 | — | |
| outstanding | Westbrooke Private Capital S.A.R.L. Acting Exclusively in the Name and on Behalf of Its Compartment A | A registered charge | — | 10/10/2022 | — | |
| outstanding | Psc Service Company as Security Agent and Security Trustee for the Secured Parties Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties | A registered charge | 1 property | 29/12/2021 | — | |
| satisfied | Mobivate Mobivate Limited | A registered charge | 1 property | 04/02/2021 | 07/02/2022 | |
| outstanding | Honeycomb Investment Trust Honeycomb Investment Trust PLC | A registered charge | 1 property | 16/03/2020 | — | |
| outstanding | Honeycomb Investment Trust Honeycomb Investment Trust PLC | A registered charge | — | 28/06/2018 | — | |
| satisfied | Cederberg Holdings Corp | A registered charge | — | 15/08/2016 | 29/09/2018 | |
| satisfied | Telection Overseas Telection Overseas Inc | A registered charge | — | 23/03/2016 | 17/08/2016 | |
| satisfied | Stonewood Strategic Investments Stonewood Strategic Investments Limited | A registered charge | — | 03/03/2016 | 29/09/2018 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (123 total)
appoint-person-director-company-with-name-date
officers · AP01
2026-01-22
capital-allotment-shares
capital · SH01
2026-01-22
capital-allotment-shares
capital · SH01
2025-12-23
replacement-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP01CS01
2025-12-19
capital-cancellation-shares
capital · SH06
2025-12-03
capital-return-purchase-own-shares
capital · SH03
2025-12-03
confirmation-statement
confirmation-statement · CS01
2025-11-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-11-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-11-06
capital-cancellation-shares
capital · SH06
2025-09-02
capital-return-purchase-own-shares
capital · SH03
2025-09-02
accounts-with-accounts-type-group
accounts · AA
2025-07-08
capital-return-purchase-own-shares
capital · SH03
2025-06-30
capital-cancellation-shares
capital · SH06
2025-06-27
capital-cancellation-shares
capital · SH06
2025-05-29