FAST TRACK BUSINESS FINANCE LIMITED

🌳Matureactive
09010153 · ltd · incorporated 2014-04-24
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 8.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£121.1k
book net assets
Opportunity
80/100
Exceptional
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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
Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 67). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · oldest 8.4y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 8.4 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (84/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 6 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
13 connected companies via shared directors
84
Filing history
36 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £121,121
Net assets shrinking
Down £5,735 YoY
Cash YoY
+286%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£5k
↑ 286% YoY
Net Worth
£121k
↓ 4.5% YoY
Current Assets
£127k
↓ 4.3% YoY
Current Liabilities
—
£0£27k£53k£80k£107k£133kSept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30
Total assets£121.1k£126.9k
Current assets£127.5k£133.2k
Cash£5.0k£1.3k
Debtors£122.5k£131.9k
Net assets£121.1k£126.9k

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

🔒Filing-note intelligence

2 signals 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
1
filing
  • • 1 accounts
Last 90 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
  1. 2026-05-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-05-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-03-05
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  4. 2025-02-28
    ➖
    RICHARDSON, Steven Paul resigned
    director
  5. 2024-06-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-11-21
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2022-11-17
    ➕
    RICHARDSON, Steven Paul appointed
    director
  9. 2022-06-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-05-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2022-05-06
    🔒
    Charge registered #2
    Lender: Shawbrook Bank Limited
  12. 2021-09-21
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2021-08-31
    ➖
    BRYDEN, Sharon Louise resigned
    director
  14. 2021-08-04
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2021-08-04
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2021-08-04
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2021-07-31
    ➕
    COSSEY, Jason Cash appointed
    director
  18. 2021-07-31
    ➕
    KENYON, Clare Louise appointed
    director
  19. 2021-07-31
    ➖
    WARD, Andrew Michael resigned
    director
  20. 2021-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2020-06-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2019-06-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2018-06-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2018-01-29
    🔒
    Charge registered #1
    Lender: Shawbrook Bank Limited
  25. 2014-09-22
    ➕
    BRYDEN, Sharon Louise appointed
    director
  26. 2014-04-24
    🏢
    Company incorporated
    As FAST TRACK BUSINESS FINANCE LIMITED
  27. 2014-04-24
    ➕
    TRAYNOR, Richard William appointed
    director
  28. 2014-04-24
    ➕
    WARD, Andrew Michael appointed
    director

Owner dependency

65/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

63/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
  • secondary12+ year tenure: Director in role 12 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.)

Group structure

Reparo Fast Track Finance Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Reparo Fast Track Finance Group Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
FAST TRACK BUSINESS FINANCE LIMITED
This company · 09010153

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%
NameSharesVoting rightsNature of controlNotified
Reparo Fast Track Finance Group Limited
Corporate entity
75–100%
75–100%75-100% shares · 75-100% voting06/04/2016

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 →

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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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2014-04-24
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

28 Eaton Avenue Matrix Office Park
Buckshaw Village
Chorley
Lancashire
PR7 7NA

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-05-08
Last: 2026-04-24

Officers (3 active · 3 resigned)

COSSEY, Jason Cash→
director · ~52y · appointed 2021-07-31
View their other companies + combined net worth →
Active
KENYON, Clare Louise→
director · ~59y · appointed 2021-07-31
View their other companies + combined net worth →
Active
TRAYNOR, Richard William→
director · ~67y · appointed 2014-04-24
View their other companies + combined net worth →
Active
BRYDEN, Sharon Louise→
director · ~55y · appointed 2014-09-22 · resigned 2021-08-31
Resigned
RICHARDSON, Steven Paul→
director · ~46y · appointed 2022-11-17 · resigned 2025-02-28
Resigned
WARD, Andrew Michael→
director · ~53y · appointed 2014-04-24 · resigned 2021-07-31
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Shawbrook
Shawbrook Bank Limited
A registered charge1 property06/05/2022—
outstanding
Shawbrook
Shawbrook Bank Limited
A registered charge—29/01/2018—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (36 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-19
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-12
termination-director-company-with-name-termination-date
officers · TM01
2025-03-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-22
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-03
appoint-person-director-company-with-name-date
officers · AP01
2022-11-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-05-09
termination-director-company-with-name-termination-date
officers · TM01
2021-09-21
appoint-person-director-company-with-name-date
officers · AP01
2021-08-04