ABN FINANCE & LEASING (HERTS) LTD

🌳Matureactive

08618281 · ltd · incorporated 2013-07-22

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

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jul 2025

Net worth

£25.9k

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Financial leasing

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (79/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

1 connected companies via shared directors

Filing history

30 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £25,882

Cash YoY

-1%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£34k

~ YoY

Net Worth

£26k

↑ 5.0% YoY

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-07-31	2024-07-31
Total assets	£25.9k	£24.6k
Cash	£34.2k	£34.5k
Net assets	£25.9k	£24.6k

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

🔒Filing-note intelligence

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

Last 30 days

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (18 events)Click to expand

2026-02-06
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-02-05
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-02-09
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-02-20
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-11-24
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-04-07
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-01-30
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-03-18
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2018-07-18
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2018-01-26
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2017-04-27
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-08-10
📄
change-person-director-company-with-change-date
officers · CH01
2016-08-10
📄
change-person-director-company-with-change-date
officers · CH01
2016-08-09
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2016-04-19
📄
capital-allotment-shares
capital · SH01
2013-07-22
🏢
Company incorporated
As ABN FINANCE & LEASING (HERTS) LTD
2013-07-22
➕
HARRIS, Julia Gay appointed
director
2013-07-22
➕
HARRIS, Neil Charles appointed
director

Owner dependency

79/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Senior director age: Director aged approximately 58 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

59/100

Strong succession signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
secondary12+ year tenure: Director in role 13 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

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr Neil Charles Harris Individual · British · DOB 04/1971 · age 55	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	06/04/2016

1 historic (ceased) PSC

Mrs Julia Gay Harrisceased 06/04/2016· 75-100% shares · 75-100% voting · board control

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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ABN FINANCE & LEASING LIMITED→ 04333261 · est 2001 · no financials extracted	—	—	—	—	24y	—	—
AD XRAY LTD→ 14637102 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
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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.

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Company details

Statusactive

Typeltd

Incorporated2013-07-22

Jurisdictionengland-wales

Primary SIC64910 — Financial leasing

Registered office

19-20 Bourne Court Southend Road

Woodford Green

Essex

IG8 8HD

United Kingdom

Filing status

Accounts

Next due: 2027-04-30

Last made up to: 2025-07-31

Confirmation statement

Next due: 2026-08-05

Last: 2025-07-22

Officers (2 active · 0 resigned)

HARRIS, Julia Gay→

director · ~58y · appointed 2013-07-22

View their other companies + combined net worth →

Active

HARRIS, Neil Charles→

director · ~55y · appointed 2013-07-22

View their other companies + combined net worth →

Active

Click a director name to see their full track record across all companies.