ALT FINANCE LTD

💤Zombieactive
08698950 · ltd · incorporated 2013-09-20
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
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Turnover
—
year to Feb 2026
Net worth
£61.0k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 78/100 (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: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (72/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
30 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £60,955

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
£61k
Current Assets
£225k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-02-28
Total assets£61.0k
Current assets£224.7k
Net assets£61.0k

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

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 2 accounts
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
  1. 2026-03-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2026-02-10
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  3. 2025-11-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-11-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-09-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-11-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-11-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-11-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-08-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-10-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-04-06
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  12. 2017-04-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2016-04-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2015-12-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-10-14
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2013-09-20
    🏢
    Company incorporated
    As ALT FINANCE LTD
  17. 2013-09-20
    ➕
    STEERS, John Stuart Young appointed
    director

Owner dependency

88/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.
  • +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

68/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • 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%
NameSharesVoting rightsNature of controlNotified
Mr John Stuart Young Steers
Individual · British · DOB 12/1964 · age 62
75–100%
—75-100% shares06/04/2016

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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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

7 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
Incorporated2013-09-20
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

Elderbury House
Howards Thicket
Gerrards Cross
Buckinghamshire
SL9 7NU

Filing status

Accounts
Next due: 2027-11-30
Last made up to: 2026-02-28
Confirmation statement
Next due: 2026-10-04
Last: 2025-09-20

Officers (1 active · 0 resigned)

STEERS, John Stuart Young→
director · ~62y · appointed 2013-09-20
View their other companies + combined net worth →
Active

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

Recent filings (30 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-30
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2026-02-10
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-28
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-03
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-28
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-02
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-28
accounts-with-accounts-type-micro-entity
accounts · AA
2020-11-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-10