ACCREDO SECURED BUSINESS FINANCE LIMITED
🌳Matureactive
09062351 · ltd · incorporated 2014-05-29
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 May 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Financial leasing
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company 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 (83/100)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
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
25 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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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 (19 events)Click to expand
- 2025-12-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-09-17📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-09-12📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-07-08📄accounts-amended-with-accounts-type-dormantaccounts · AAMD
- 2022-06-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-11-05📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-10-22📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-01-22📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-05-23📄resolutionresolution · RESOLUTIONS
- 2018-09-17📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-01-08📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-09-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-06-17📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-02-17📄accounts-with-accounts-type-dormantaccounts · AA
- 2015-06-09📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-05-29🏢Company incorporatedAs ACCREDO SECURED BUSINESS FINANCE LIMITED
- 2014-05-29➕CHESTERFIELD, Philip Markham appointeddirector
- 2014-05-29➕GARTON, Glen Scott appointeddirector
- 2014-05-29📄incorporation-companyincorporation · NEWINC
Owner dependency
71/100
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 61 — approaching natural succession window.
- +No director turnover: Company is 12 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 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Glen Scott Garton Individual · British · DOB 12/1966 · age 60 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/03/2017 |
Mr Philip Markham Chesterfield Individual · British · DOB 02/1965 · age 61 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/03/2017 |
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 · RH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 3D FINANCIAL PLANNING LTD→ 07970452 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| 4GI LIMITED→ 08928644 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| 72 OSMOND GDNS WALLINGTON LTD→ 12781022 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| A & L TAYLOR (WEST SUSSEX) LTD→ 10020961 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ABOUT MORTGAGES LTD→ 11571139 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ABSOLUTE FUNDING PARTNERS LIMITED→ 14769528 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ACQUISITIONS ADVISORY LIMITED→ 16399376 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACRE MORTGAGES LIMITED→ 15592975 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ACTIVE INVESTMENT CONSULTING LIMITED→ 08905379 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ADAURUS LIMITED→ 06541439 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| ADDBLEND LIMITED→ 03837994 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| ADMIRAL TRADING INVESTMENT LTD→ 15134452 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated2014-05-29
Jurisdictionengland-wales
Primary SIC64910 — Financial leasing
Registered office
Mill Green House
Mill Green Road
Haywards Heath
West Sussex
RH16 1XJ
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-06-12
Last: 2025-05-29
Officers (2 active · 0 resigned)
CHESTERFIELD, Philip Markham→
Activedirector · ~61y · appointed 2014-05-29
View their other companies + combined net worth →
GARTON, Glen Scott→
Activedirector · ~60y · appointed 2014-05-29
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (25 total)
accounts-with-accounts-type-dormant
accounts · AA
2025-12-23
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-29
accounts-with-accounts-type-dormant
accounts · AA
2024-09-17
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-03
accounts-with-accounts-type-dormant
accounts · AA
2023-09-12
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-30
accounts-amended-with-accounts-type-dormant
accounts · AAMD
2022-07-08
accounts-with-accounts-type-dormant
accounts · AA
2022-06-21
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-09
accounts-with-accounts-type-dormant
accounts · AA
2021-11-05
confirmation-statement-with-updates
confirmation-statement · CS01
2021-06-07
accounts-with-accounts-type-dormant
accounts · AA
2020-10-22
confirmation-statement-with-updates
confirmation-statement · CS01
2020-06-01
accounts-with-accounts-type-dormant
accounts · AA
2020-01-22
confirmation-statement-with-updates
confirmation-statement · CS01
2019-05-29