AT-US BUSINESS FINANCE LIMITED
🌳Matureactive
08729419 · ltd · incorporated 2013-10-11
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 Oct 2024
Net worth
£805
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong 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: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 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
29 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
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 · FRS 105 (micro)Positive net assets
Net assets £805
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£805
↑ 214% YoY
Current Assets
£19k
↓ 34% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £805 | £256 |
| Current assets | £18.6k | £28.3k |
| Net assets | £805 | £256 |
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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-07-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-07-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-07-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-07-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-07-27📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-10-30📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-03-25📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-02-21📄gazette-filings-brought-up-to-dategazette · DISS40
- 2015-02-20📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-02-20📄change-person-director-company-with-change-dateofficers · CH01
- 2013-10-11🏢Company incorporatedAs AT-US BUSINESS FINANCE LIMITED
- 2013-10-11➕ATKINS, Nicola appointeddirector
- 2013-10-11➕ATKINS, Paul Robert appointeddirector
Owner dependency
79/100
High — earn-out structure requiredMaterial 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 59 — 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 signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Paul Robert Atkins Individual · British · DOB 07/1967 · age 59 | — | — | sig. influencesignificant influence | 06/04/2016 |
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.
See pricing →Similar companies
Active · Financial services · WS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2ND CITY FINANCE LTD→ 13055699 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| A S R FINANCIAL LIMITED→ 14663101 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| A T FINANCIAL SERVICES LTD→ 12628112 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ARMCHAIR ADVISER LTD→ 15852316 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARQ FINANCIAL PLANNING LTD→ 17087763 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BARRINGTON SECURITY ELITE LTD→ 16294621 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BLACK MANOR LIMITED→ 07670717 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BOSS RISK SOLUTIONS LTD→ 13214543 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| BOWBROOK FINANCIAL PLANNERS LTD→ 12816788 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BRIAN WILLIAMS HOLDINGS LIMITED→ 03739719 · est 1999 · no financials extracted | — | — | — | — | 27y | — | — |
| BRYN CAPITAL LIMITED→ 15750168 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BUFIELD CONSULTANTS LIMITED→ 08887656 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
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.
See pricing →Company details
Statusactive
Typeltd
Incorporated2013-10-11
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
73 Trafalgar Way
Lichfield
West Midlands
WS14 9FD
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-06-25
Last: 2025-06-11
Officers (2 active · 0 resigned)
ATKINS, Nicola→
Activedirector · ~59y · appointed 2013-10-11
View their other companies + combined net worth →
ATKINS, Paul Robert→
Activedirector · ~59y · appointed 2013-10-11
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (29 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-11
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-31
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-23
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-08
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-08
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-11
accounts-with-accounts-type-micro-entity
accounts · AA
2020-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-31
accounts-with-accounts-type-micro-entity
accounts · AA
2019-07-29
confirmation-statement-with-updates
confirmation-statement · CS01
2018-10-26