ADAPTIVE FINANCE LTD

🌳Matureactive
08738870 · ltd · incorporated 2013-10-18
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 Jun 2025
Net worth
—
book net assets
Opportunity
73/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 73/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

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
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
33 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30
Average employees200200

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2026-01-09
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  2. 2025-03-17
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  3. 2024-01-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-03-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-03-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-03-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2021-04-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-02-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-03-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-03-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-03-31
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2016-03-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2015-10-28
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-08-05
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2015-07-31
    ➖
    HOLLINSHEAD, Mark Andrew resigned
    director
  16. 2015-07-06
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  17. 2013-11-01
    ➕
    BALL, Karen Marie appointed
    director
  18. 2013-11-01
    ➕
    BRADWELL, Sarah Elizabeth appointed
    director
  19. 2013-10-18
    🏢
    Company incorporated
    As ADAPTIVE FINANCE LTD
  20. 2013-10-18
    ➕
    HOLLINSHEAD, Mark Andrew appointed
    director

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

49/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Ms Karen Marie Ball
Individual · British · DOB 06/1970 · age 56
25–50%
—25-50% shares30/06/2016
Mrs Sarah Elizabeth Bradwell
Individual · British · DOB 12/1970 · age 56
25–50%
—25-50% shares30/06/2016

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 →

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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
Incorporated2013-10-18
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

The Old Chapel
Oaken Clough
Ashton-Under-Lyne
Lancashire
OL7 9NX
England

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-10-16
Last: 2025-10-02

Officers (2 active · 1 resigned)

BALL, Karen Marie→
director · ~56y · appointed 2013-11-01
View their other companies + combined net worth →
Active
BRADWELL, Sarah Elizabeth→
director · ~56y · appointed 2013-11-01
View their other companies + combined net worth →
Active
HOLLINSHEAD, Mark Andrew→
director · ~64y · appointed 2013-10-18 · resigned 2015-07-31
Resigned

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

Recent filings (33 total)

accounts-with-accounts-type-dormant
accounts · AA
2026-01-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-20
accounts-with-accounts-type-dormant
accounts · AA
2025-03-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-03-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-14
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-26
accounts-with-accounts-type-micro-entity
accounts · AA
2020-02-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-24