ABN FINANCE & LEASING (ESSEX) LTD

🌳Matureactive

08623552 · ltd · incorporated 2013-07-24

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 Jul 2025

Net worth

£-19.8k

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Financial leasing

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

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. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -90% YoY — forensic review of receivables, stock turns, and creditor days. 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

36 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

Negative net assets

Liabilities exceed assets by £19,801

Cash draining

Cash down 90% YoY

Cash YoY

-90%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£554

↓ 90% YoY

Net Worth

-£20k

↓ 20% YoY

Current Assets

£6k

↓ 47% YoY

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	£-19.8k	£-13.8k
Current assets	£5.6k	£10.4k
Cash	£554	£5.4k
Debtors	£5.0k	£5.0k
Net assets	£-19.8k	£-16.5k

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

filing

• 1 accounts

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (19 events)Click to expand

2026-04-21
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-04-30
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-04-29
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-04-17
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-02-17
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-04-29
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-04-27
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-06-13
📄
change-person-director-company-with-change-date
officers · CH01
2019-06-13
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2019-06-13
📄
change-person-director-company-with-change-date
officers · CH01
2019-04-29
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2018-07-18
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2018-04-27
📄
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
2016-08-09
📄
change-person-director-company-with-change-date
officers · CH01
2013-07-24
🏢
Company incorporated
As ABN FINANCE & LEASING (ESSEX) LTD
2013-07-24
➕
SHEAD, Amanda Theresa appointed
director
2013-07-24
➕
SHEAD, Brian Richard 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 61 — 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 61. 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 Brian Richard Shead Individual · British · DOB 04/1965 · age 61	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	06/04/2016

1 historic (ceased) PSC

Mrs Amanda Theresa Sheadceased 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.

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A G FINANCE HUB LTD→ 08329197 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
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A1 FINANCE SOLUTIONS LTD→ 16262788 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
AAR ASSURED INVESTMENT LIMITED→ 15568248 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
ABN FINANCE & LEASING (HERTS) LTD→ 08618281 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
ABN FINANCE & LEASING LIMITED→ 04333261 · est 2001 · no financials extracted	—	—	—	—	24y	—	—

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

Incorporated2013-07-24

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: 2026-08-07

Last: 2025-07-24

Officers (2 active · 0 resigned)

SHEAD, Amanda Theresa→

director · ~60y · appointed 2013-07-24

View their other companies + combined net worth →

Active

SHEAD, Brian Richard→

director · ~61y · appointed 2013-07-24

View their other companies + combined net worth →

Active

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