PAY FRIDAY LIMITED
- · Oldest live charge 11.1y old — refinance window within 12 months
Opportunity 58/100 (worth a look), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 11.1y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 11.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (60/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Mixed signal. Worth opening the full target workup before deciding to pursue.
Recent activity
Corporate timeline (34 events)Click to expand
- 2019-07-16📄gazette-dissolved-voluntarygazette · GAZ2(A)
- 2019-07-16🏁Company dissolved
- 2019-04-30📄gazette-notice-voluntarygazette · GAZ1(A)
- 2019-04-23📄dissolution-application-strike-off-companydissolution · DS01
- 2018-06-27📄accounts-with-accounts-type-smallaccounts · AA
- 2018-05-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-05-02🔓Charge satisfied #1
- 2017-08-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2017-08-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2017-06-28📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2017-04-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-04-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2017-04-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2017-04-06➕MISSAH, Kwasi Martin appointeddirector
- 2017-04-06➖HOSKIN, John Hugo resigneddirector
- 2017-04-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-04-06🔒Charge registered #2Lender: Barclays Bank PLC
- 2016-12-15📄accounts-with-accounts-type-smallaccounts · AA
- 2016-11-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2016-04-22📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-12-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-06-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2015-06-18🔒Charge registered #1Lender: Rbs Invoice Finance Limited
- 2015-04-10📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-12-12📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-11-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2014-09-11📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-09-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2014-07-30➖SHELLARD, Jonathan resigneddirector
- 2014-02-27➕SHELLARD, Jonathan appointeddirector
- 2014-02-17➕HOSKIN, John Hugo appointeddirector
- 2014-02-17➖SMITH, Matthew Neale resigneddirector
- 2013-08-02🏢Company incorporatedAs PAY FRIDAY LIMITED
- 2013-08-02➕SMITH, Matthew Neale appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 high ·Company has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2019-07-16
Group structure
Online Professional 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 |
|---|---|---|---|---|
Online Professional Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2017 |
1 historic (ceased) PSC
- Mr John Hugo Hoskinceased 06/04/2017· 75-100% shares · firm interest
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.
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8 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 (0 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 06/04/2017 | — | |
| satisfied | NatWest Group Rbs Invoice Finance Limited | A registered charge | — | 18/06/2015 | 02/05/2018 |