NETPAY MERCHANT SERVICES LIMITED
- · Oldest live charge 11.2y old — refinance window within 12 months
Opportunity 45/100 (watch), bankability 60/100. Biggest value-creation lever: Resolve: Company in liquidation. Company is actively being wound up. Not a going concern. Most likely exit: distressed disposal / insolvency (65/100). Current lenders should be on monthly review.
Refinance opportunity
2 live charges · 2 lenders · oldest 11.2y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 11.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Key financials
2 years extracted from filed iXBRL accountsHover 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 | 200 | 500 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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
- • 2 officers
- • 2 insolvency
- • 1 address
Corporate timeline (38 events)Click to expand
- 2026-01-06📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-06📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-06⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2026-01-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-01-05📄resolutionresolution · RESOLUTIONS
- 2026-01-05⚠️liquidation-voluntary-declaration-of-solvencyinsolvency · LIQ01
- 2025-08-29📄capital-allotment-sharescapital · SH01
- 2025-08-04📄accounts-with-accounts-type-smallaccounts · AA
- 2025-01-10➕JACKSON, Sam Michael, Mr. appointeddirector
- 2025-01-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-13📄accounts-with-accounts-type-smallaccounts · AA
- 2024-05-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-24➖KILKELLY, Samantha Mary resigneddirector
- 2023-12-19📄accounts-with-accounts-type-smallaccounts · AA
- 2023-06-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-05-19➕KILKELLY, Samantha Mary appointeddirector
- 2023-03-01➖MOTYER, Nigel resigneddirector
- 2023-03-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-01-19📄accounts-with-accounts-type-smallaccounts · AA
- 2022-11-07📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-10-18➕BANINAJAR, Ali, Mr. appointeddirector
- 2022-09-05📍move-registers-to-sail-company-with-new-addressaddress · AD03
- 2022-09-02📍change-sail-address-company-with-new-addressaddress · AD02
- 2022-07-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2022-05-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-02-11➖HART, Lee Michael resigneddirector
- 2021-11-15➖CHURCHILL, Carl resigneddirector
- 2021-11-15➖CHURCHILL, Nicole Eugenie resigneddirector
- 2021-11-15➕HART, Lee Michael appointeddirector
- 2021-11-15➕MOTYER, Nigel appointeddirector
- 2018-12-19🔓Charge satisfied #2
- 2018-03-02🔓Charge satisfied #1
- 2017-12-28🔒Charge registered #2Lender: Oaknorth Bank Limited
- 2015-03-18🔒Charge registered #1Lender: Barclays Bank PLC
- 2012-10-29🏢Company incorporatedAs NETPAY MERCHANT SERVICES LIMITED
- 2012-10-29➕CHURCHILL, Carl appointeddirector
- 2012-10-29➕CHURCHILL, Nicole Eugenie appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
2 high ·Company is actively being wound up. Not a going concern.
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2026-01-06: liquidation-voluntary-appointment-of-liquidator; 2026-01-05: liquidation-voluntary-declaration-of-solvency
Group structure
Netpay Solutions Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Netpay Solutions Group Limited Corporate entity | 75–100% | — | 75-100% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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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 →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
Registered office
Filing status
Officers (2 active · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | OakNorth Oaknorth Bank Limited | A registered charge | 1 property | 28/12/2017 | 19/12/2018 | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | — | 18/03/2015 | 02/03/2018 |