PRAETURA ASSET FINANCE (L) LIMITED
🌳Matureactive
08848415 · ltd · incorporated 2014-01-16
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
77/100
Strong
What this business does
Primary activity: Financial leasing
Sector: Financial & insurance
Investor take
PursueActive trading company with a 64-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (60/100, director aged 64). 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: strategic trade sale (73/100).
🏦
Refinance opportunity
4 live charges · 4 lenders · oldest 12.0y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 12.0 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
14 officers (4 active, 14 linked, 9 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
22 connected companies via shared directors
90
Filing history
63 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 2 officers
Last 180 days
3
filings
- • 2 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (50 events)Click to expand
- 2026-05-12📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2026-05-12📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2026-04-29➕MELLOR, Neil Andrew appointedsecretary
- 2026-04-29➖WALLING, Michael resignedsecretary
- 2025-12-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-03🔒Charge registered #4Lender: Quay Street Trading Limited
- 2025-09-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-09-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-09-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-09-29🔓Charge satisfied #3
- 2025-09-29🔓Charge satisfied #2
- 2025-09-29🔓Charge satisfied #1
- 2025-09-22📄accounts-with-accounts-type-smallaccounts · AA
- 2024-07-16📄accounts-with-accounts-type-smallaccounts · AA
- 2023-08-22📄accounts-with-accounts-type-smallaccounts · AA
- 2023-06-23➖JOHNSON, Daryl Lee resigneddirector
- 2023-06-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-06-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-06-09➖HARTLEY, Michael Christopher resigneddirector
- 2022-10-07📄accounts-with-accounts-type-smallaccounts · AA
- 2021-12-22📄accounts-with-accounts-type-smallaccounts · AA
- 2021-01-11📄accounts-with-accounts-type-fullaccounts · AA
- 2019-09-30📄accounts-with-accounts-type-fullaccounts · AA
- 2019-08-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-08-02🔒Charge registered #3Lender: Rm Capital Markets Limited
- 2019-02-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-02-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-02-08➕O'REILLY, Peadar James appointeddirector
- 2019-02-08➖JOHNSON, Daryl Lee resignedsecretary
- 2019-02-08➕WALLING, Michael appointedsecretary
- 2018-09-20➖FLETCHER, Michael James resigneddirector
- 2018-09-20➖FOREMAN, David Christopher resigneddirector
- 2018-09-20➖O'REILLY, Peadar James resigneddirector
- 2017-11-27➕SUMMERS, Jack Daniel appointeddirector
- 2017-11-27➕JOHNSON, Daryl Lee appointeddirector
- 2016-10-18➕DALZELL, Michael Ian appointeddirector
- 2015-06-30🔒Charge registered #2Lender: Peadar O'reilly, Michael Fletcher and Christopher Giles (The Security Trustee)
- 2014-07-09🔒Charge registered #1Lender: Leumi Abl Limited (Leumi)
- 2014-05-01➕JOHNSON, Daryl Lee appointedsecretary
- 2014-01-16🏢Company incorporatedAs PRAETURA ASSET FINANCE (L) LIMITED
- 2014-01-16➕GATELEY SECRETARIES LIMITED appointedcorporate-secretary
- 2014-01-16➖GATELEY SECRETARIES LIMITED resignedcorporate-secretary
- 2014-01-16➕FLETCHER, Michael James appointeddirector
- 2014-01-16➕FOREMAN, David Christopher appointeddirector
- 2014-01-16➕HARTLEY, Michael Christopher appointeddirector
- 2014-01-16➕O'REILLY, Peadar James appointeddirector
- 2014-01-16➕WARD, Michael James appointeddirector
- 2014-01-16➖WARD, Michael James resigneddirector
- 2014-01-16➕GATELEY INCORPORATIONS LIMITED appointedcorporate-director
- 2014-01-16➖GATELEY INCORPORATIONS LIMITED resignedcorporate-director
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 64 — approaching natural succession window.
Succession & seller-readiness
50/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Praetura Asset Finance Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Praetura Asset Finance Limited
Corporate parent · holds 75-100% shares
⬇
PRAETURA ASSET FINANCE (L) LIMITED
This company · 08848415
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 |
|---|---|---|---|---|
Praetura Asset Finance Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 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
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|---|---|---|---|---|---|---|---|
| MH FROST CAPITAL LTD→ 16926157 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| OP PROPERTIES & REPAIRS LTD→ 16175415 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| PACIFIC FINANCIAL SERVICES (NORTH WEST) LTD→ 08302510 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| PALM FINANCIAL CARE LIMITED→ 06261386 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| PEAKS & VALLEYS INVESTMENTS LIMITED→ 13466248 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| POLYGON FINANCIAL LTD→ 05422562 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| PRA INVESTMENTS LIMITED→ 13152762 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| PRAETURA FINANCE 1 LIMITED→ 14240570 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| PRAETURA FINANCE 4 LIMITED→ 14649264 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| PRETECT LTD→ 16414179 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| PRO RE NATA INVESTMENTS LTD→ 17113021 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| PROPLAN FINANCIAL ADVICE LIMITED→ 11899930 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2014-01-16
Jurisdictionengland-wales
Primary SIC64910 — Financial leasing
Registered office
Ewood House Walker Park
Guide
Blackburn
BB1 2QE
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-01-30
Last: 2026-01-16
Officers (4 active · 10 resigned)
MELLOR, Neil Andrew→
Activesecretary · appointed 2026-04-29
View their other companies + combined net worth →
DALZELL, Michael Ian→
Activedirector · ~64y · appointed 2016-10-18
View their other companies + combined net worth →
O'REILLY, Peadar James→
Activedirector · ~50y · appointed 2019-02-08
View their other companies + combined net worth →
SUMMERS, Jack Daniel→
Activedirector · ~42y · appointed 2017-11-27
View their other companies + combined net worth →
JOHNSON, Daryl Lee→
Resignedsecretary · appointed 2014-05-01 · resigned 2019-02-08
WALLING, Michael→
Resignedsecretary · appointed 2019-02-08 · resigned 2026-04-29
GATELEY SECRETARIES LIMITED→
Resignedcorporate-secretary · appointed 2014-01-16 · resigned 2014-01-16
FLETCHER, Michael James→
Resigneddirector · ~52y · appointed 2014-01-16 · resigned 2018-09-20
FOREMAN, David Christopher→
Resigneddirector · ~45y · appointed 2014-01-16 · resigned 2018-09-20
HARTLEY, Michael Christopher→
Resigneddirector · ~61y · appointed 2014-01-16 · resigned 2023-06-09
JOHNSON, Daryl Lee→
Resigneddirector · ~68y · appointed 2017-11-27 · resigned 2023-06-23
O'REILLY, Peadar James→
Resigneddirector · ~50y · appointed 2014-01-16 · resigned 2018-09-20
WARD, Michael James→
Resigneddirector · ~67y · appointed 2014-01-16 · resigned 2014-01-16
GATELEY INCORPORATIONS LIMITED→
Resignedcorporate-director · appointed 2014-01-16 · resigned 2014-01-16
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
1
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Quay Street Trading Quay Street Trading Limited | A registered charge | — | 03/12/2025 | — | |
| satisfied | Rm Capital Markets Rm Capital Markets Limited | A registered charge | 1 property | 02/08/2019 | 29/09/2025 | |
| satisfied | Peadar O'reilly, Michael Fletcher and Christopher Giles (The Security Trustee) | A registered charge | — | 30/06/2015 | 29/09/2025 | |
| satisfied | Leumi Abl (Leumi) Leumi Abl Limited (Leumi) | A registered charge | — | 09/07/2014 | 29/09/2025 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (63 total)
appoint-person-secretary-company-with-name-date
officers · AP03
2026-05-12
termination-secretary-company-with-name-termination-date
officers · TM02
2026-05-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-05
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-29
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-29
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-29
accounts-with-accounts-type-small
accounts · AA
2025-09-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-27
accounts-with-accounts-type-small
accounts · AA
2024-07-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-24
accounts-with-accounts-type-small
accounts · AA
2023-08-22
termination-director-company-with-name-termination-date
officers · TM01
2023-06-23
termination-director-company-with-name-termination-date
officers · TM01
2023-06-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-17