HIG FINANCE LIMITED
🌳Matureactive
08721671 · ltd · incorporated 2013-10-07
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
—
not disclosed
Net worth
—
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Activities of financial services holding companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and acceptable with review structure.
Opportunity 70/100 (strong), bankability 57/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
🏦
Refinance opportunity
12 live charges · 4 lenders · oldest 12.7y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 12.7 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 48/100 (high).
Data confidence
Overall: medium (61/100)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
No iXBRL financials extracted
0
Lenders & charges
12 charges (12/12 with lender, 12/12 with type)
90
Directors & officers
13 officers (4 active, 13 linked, 8 with DOB)
82
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
15 connected companies via shared directors
90
Filing history
94 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
3
filings
- • 2 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (62 events)Click to expand
- 2026-03-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-02-17➕PANUCCIO, Susan Lee appointeddirector
- 2026-02-17➖CRAIG, Mark Skimming resigneddirector
- 2025-09-15📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2025-09-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-12➕SHALDERS, David Peter appointeddirector
- 2025-09-12➖ROBERTS, Gareth Huw resigneddirector
- 2025-06-27📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-06-27📄legacyaccounts · PARENT_ACC
- 2025-06-27📄legacyother · GUARANTEE2
- 2025-06-27📄legacyother · AGREEMENT2
- 2024-12-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-12-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-12-24🔓Charge satisfied #10
- 2024-12-24🔓Charge satisfied #9
- 2024-10-03📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-10-03📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-09-30➕MOORE, Andrew John appointedsecretary
- 2024-09-30➖GRIFFIN, Steven Terence Hunter resignedsecretary
- 2024-07-07📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-07-07📄legacyaccounts · PARENT_ACC
- 2024-07-07📄legacyother · AGREEMENT2
- 2024-07-07📄legacyother · GUARANTEE2
- 2024-03-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-03-14➖BLOOMER, William David resigneddirector
- 2024-02-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-15🔒Charge registered #12Lender: Morgan Stanley Senior Funding, Inc.
- 2024-02-15🔒Charge registered #11Lender: Morgan Stanley Senior Funding, Inc.
- 2024-01-18➕GRIFFIN, Steven Terence Hunter appointedsecretary
- 2024-01-18➖MOORE, Andrew John resignedsecretary
- 2024-01-18➕ROBERTS, Gareth Huw appointeddirector
- 2024-01-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-01-18📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2022-04-21🔒Charge registered #10Lender: Wilmington Trust, National Association
- 2021-10-01🔒Charge registered #9Lender: Wilmington Trust, National Association
- 2018-12-14➖CORBETT, Oliver Roebling Panton resigneddirector
- 2018-10-17➕CRAIG, Mark Skimming appointeddirector
- 2016-03-17➕BLOOMER, William David appointeddirector
- 2016-03-17➕CORBETT, Oliver Roebling Panton appointeddirector
- 2015-07-31➖FADY, Eric Rene Marcel resigneddirector
- 2015-05-02🔓Charge satisfied #3
- 2015-05-02🔓Charge satisfied #2
- 2015-05-02🔓Charge satisfied #1
- 2015-04-29➖MASSIE, Amanda Jane Emilia resignedsecretary
- 2015-04-29➕MOORE, Andrew John appointedsecretary
- 2015-04-29🔒Charge registered #8Lender: Morgan Stanley Senior Funding, Inc.
- 2015-04-29🔒Charge registered #7Lender: Morgan Stanley Senior Funding, Inc.
Showing most recent 50 of 62 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
Succession & seller-readiness
63/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- 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
2 med · 1 low2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: CRAIG, Mark Skimming resigned 2026-02-17; ROBERTS, Gareth Huw resigned 2025-09-12
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
7 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
2 corporate shareholders identified. Group structure is distributed.
🏛️
Hgh Midco 3 Limited
Corporate parent · board control
🏛️ultimate parent
Hig Finance 2 Limited
Corporate parent · holds 75-100% shares
⬇
HIG FINANCE LIMITED
This company · 08721671
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Hgh Midco 3 Limited Corporate entity | — | 75–100% | board control75-100% voting · board control | 25/01/2022 |
Hig Finance 2 Limited Corporate entity | 75–100% | — | 75-100% shares | 01/11/2017 |
1 historic (ceased) PSC
- Howden Group Holdings Limited ceased 25/01/2022· 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 →Similar companies
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|---|---|---|---|---|---|---|---|
| ALDERSGATE HOLDING COMPANY LIMITED→ 12215272 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ALEA FINANCE LTD→ 10841663 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ALEXANDRE GLOBAL HOLDINGS LTD→ 16683913 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALICORN (PHX) OSS II LIMITED→ 16480166 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALKRA INTERNATIONAL LTD→ 11073212 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ALL CARDS HELPLINE LIMITED→ 16777144 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALLEGRA INVEST LIMITED→ 15633023 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ALLIANCE TOPCO LTD→ 14547301 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ALLIANCEBERNSTEIN HOLDINGS LIMITED→ 07095980 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| ALLIANZ EUROPE LIMITED→ 01571671 · est 1981 · no financials extracted | — | — | — | — | 44y | — | — |
| ALLIED WORLD INDUSTRIAL CO., LIMITED→ 07666954 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ALLIGARE HOLDINGS (UK) LIMITED→ 12511273 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
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.
See pricing →Company details
Statusactive
Typeltd
Incorporated2013-10-07
Jurisdictionengland-wales
Primary SIC64205 — Activities of financial services holding companies
Registered office
One Creechurch Place
London
EC3A 5AF
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2027-03-15
Last: 2026-03-01
Officers (4 active · 9 resigned)
MOORE, Andrew John→
Activesecretary · appointed 2024-09-30
View their other companies + combined net worth →
HOWDEN, David Philip→
Activedirector · ~63y · appointed 2013-10-07
View their other companies + combined net worth →
PANUCCIO, Susan Lee→
Activedirector · ~54y · appointed 2026-02-17
View their other companies + combined net worth →
SHALDERS, David Peter→
Activedirector · ~59y · appointed 2025-09-12
View their other companies + combined net worth →
GRIFFIN, Steven Terence Hunter→
Resignedsecretary · appointed 2024-01-18 · resigned 2024-09-30
MASSIE, Amanda Jane Emilia→
Resignedsecretary · appointed 2014-05-01 · resigned 2015-04-29
MOORE, Andrew John→
Resignedsecretary · appointed 2015-04-29 · resigned 2024-01-18
PALLOT, Hugh Glen→
Resignedsecretary · appointed 2013-10-07 · resigned 2014-04-30
BLOOMER, William David→
Resigneddirector · ~57y · appointed 2016-03-17 · resigned 2024-03-14
CORBETT, Oliver Roebling Panton→
Resigneddirector · ~61y · appointed 2016-03-17 · resigned 2018-12-14
CRAIG, Mark Skimming→
Resigneddirector · ~54y · appointed 2018-10-17 · resigned 2026-02-17
FADY, Eric Rene Marcel→
Resigneddirector · ~68y · appointed 2013-10-07 · resigned 2015-07-31
ROBERTS, Gareth Huw→
Resigneddirector · ~48y · appointed 2024-01-18 · resigned 2025-09-12
Click a director name to see their full track record across all companies.
Mortgages & charges
12
Total charges
7
Outstanding
1
Active lenders
Status:Lender:12 of 12 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Morgan Stanley Senior Funding, . Morgan Stanley Senior Funding, Inc. | A registered charge | — | 15/02/2024 | — | |
| outstanding | Morgan Stanley Senior Funding, . Morgan Stanley Senior Funding, Inc. | A registered charge | — | 15/02/2024 | — | |
| satisfied | Wilmington Trust, National Association | A registered charge | 1 property | 21/04/2022 | 24/12/2024 | |
| satisfied | Wilmington Trust, National Association | A registered charge | — | 01/10/2021 | 24/12/2024 | |
| outstanding | Morgan Stanley Senior Funding, . Morgan Stanley Senior Funding, Inc. | A registered charge | — | 29/04/2015 | — | |
| outstanding | Morgan Stanley Senior Funding, . Morgan Stanley Senior Funding, Inc. | A registered charge | — | 29/04/2015 | — | |
| outstanding | Morgan Stanley Senior Funding, . Morgan Stanley Senior Funding, Inc. | A registered charge | — | 29/04/2015 | — | |
| outstanding | Morgan Stanley Senior Funding, . Morgan Stanley Senior Funding, Inc. | A registered charge | — | 29/04/2015 | — | |
| outstanding | Morgan Stanley Senior Funding, . Morgan Stanley Senior Funding, Inc. | A registered charge | 1 property | 29/04/2015 | — | |
| satisfied | J.P. Morgan Europe (And Its Successors in Title, Permitted Assignees and Permitted Transferees) J.P. Morgan Europe Limited (And Its Successors in Title, Permitted Assignees and Permitted Transferees) | A registered charge | 1 property | 17/10/2013 | 02/05/2015 | |
| satisfied | J.P. Morgan Europe (And Its Successors in Title Permitted Assignees and Permitted Transferees) J.P. Morgan Europe Limited (And Its Successors in Title Permitted Assignees and Permitted Transferees) | A registered charge | 1 property | 17/10/2013 | 02/05/2015 | |
| satisfied | J.P. Morgan Europe (And Its Successors in Title Permitted Assignees and Permitted Transferees) J.P. Morgan Europe Limited (And Its Successors in Title Permitted Assignees and Permitted Transferees) | A registered charge | 1 property | 17/10/2013 | 02/05/2015 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (94 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-12
appoint-person-director-company-with-name-date
officers · AP01
2026-03-02
termination-director-company-with-name-termination-date
officers · TM01
2026-03-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-09
change-account-reference-date-company-current-extended
accounts · AA01
2025-09-15
termination-director-company-with-name-termination-date
officers · TM01
2025-09-15
appoint-person-director-company-with-name-date
officers · AP01
2025-09-15
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-06-27
legacy
accounts · PARENT_ACC
2025-06-27
legacy
other · GUARANTEE2
2025-06-27
legacy
other · AGREEMENT2
2025-06-27
mortgage-satisfy-charge-full
mortgage · MR04
2024-12-24
mortgage-satisfy-charge-full
mortgage · MR04
2024-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-10
appoint-person-secretary-company-with-name-date
officers · AP03
2024-10-03