MIDLAND ROAD FINANCE LIMITED
🌳Matureactive
09190669 · ltd · incorporated 2014-08-28
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
80/100
Exceptional
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with exceptional profile and acceptable with review structure.
Opportunity 80/100 (exceptional), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 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 · 3 lenders · oldest 11.7y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 11.7 years old — likely at or near maturity.
- · 3 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
13 officers (3 active, 13 linked, 11 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
16 connected companies via shared directors
90
Filing history
56 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.
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 (48 events)Click to expand
- 2025-11-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-11-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-11-13➕GILES, Richard Graham appointeddirector
- 2025-11-01➖DAVIS, Kirk Dyson resigneddirector
- 2025-09-25📄accounts-with-accounts-type-fullaccounts · AA
- 2024-09-30📄accounts-with-accounts-type-fullaccounts · AA
- 2024-07-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-06-27➕DAVIS, Kirk Dyson appointeddirector
- 2024-03-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-03-01➖KELLETT, Ian resigneddirector
- 2024-02-15📄accounts-with-accounts-type-fullaccounts · AA
- 2023-12-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-14🔒Charge registered #4Lender: Glas Trust Corporation Limited
- 2023-12-14🔒Charge registered #3Lender: Glas Trust Corporation Limited
- 2023-07-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-06🔓Charge satisfied #2
- 2023-05-05📄accounts-with-accounts-type-fullaccounts · AA
- 2022-12-21📄change-person-director-company-with-change-dateofficers · CH01
- 2022-08-31📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2021-08-13📄accounts-with-accounts-type-fullaccounts · AA
- 2021-01-11📄accounts-with-accounts-type-fullaccounts · AA
- 2020-09-04📄change-person-director-company-with-change-dateofficers · CH01
- 2019-05-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-05-24➕RICHARDS, Stephen appointeddirector
- 2019-04-23📄accounts-with-accounts-type-fullaccounts · AA
- 2019-03-31➖WATERWORTH, John Anthony resigneddirector
- 2018-06-30➕KELLETT, Ian appointeddirector
- 2018-06-29➖BULL, Ian Alan resigneddirector
- 2017-06-01🔒Charge registered #2Lender: Barclays Bank PLC (And Its Successors in Title and Permitted Transferees
- 2017-03-13➖CLARK, Michael Barry resigneddirector
- 2016-06-15➕BULL, Ian Alan appointeddirector
- 2016-03-31➖BREWSTER, Nigel David resigneddirector
- 2015-12-11➕ARCHIBOLD, Judith Ann appointedsecretary
- 2015-12-11➖T & H SECRETARIAL SERVICES (PARK RESORTS) LIMITED resignedcorporate-secretary
- 2015-12-11➕WATERWORTH, John Anthony appointeddirector
- 2015-11-13🔓Charge satisfied #1
- 2015-11-11➖BODEN, David resigneddirector
- 2015-11-11➖CASTLEDINE, Alan resigneddirector
- 2014-11-06➖VAUGHAN, David Frank resigneddirector
- 2014-09-10🔒Charge registered #1Lender: Hsbc Corporate Trustee Company (UK) Limited as Security Trustee
- 2014-08-28🏢Company incorporatedAs MIDLAND ROAD FINANCE LIMITED
- 2014-08-28➕T & H SECRETARIAL SERVICES (PARK RESORTS) LIMITED appointedcorporate-secretary
- 2014-08-28➕BODEN, David appointeddirector
- 2014-08-28➕BREWSTER, Nigel David appointeddirector
- 2014-08-28➕CASTLEDINE, Alan appointeddirector
- 2014-08-28➕CLARK, Michael Barry appointeddirector
- 2014-08-28➕VAUGHAN, David Frank appointeddirector
Owner dependency
66/100
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.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
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.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Park Resorts Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Park Resorts Limited
Corporate parent · holds 75-100% shares · board control
⬇
MIDLAND ROAD FINANCE LIMITED
This company · 09190669
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 |
|---|---|---|---|---|
Park Resorts Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 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.
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|---|---|---|---|---|---|---|---|
| 3 PROPERTY INVESTMENTS LIMITED→ 14284252 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| A.M.N.E SECURITY LTD→ 16830151 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| A.R.OWEN INSURANCE SERVICES LIMITED→ 06944776 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| ABSOLUTE MEDICALS LIMITED→ 05277366 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| AFT WEALTH MANAGEMENT LTD→ 13842021 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ALD INVESTCO LIMITED→ 15939344 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ALDER FINANCIAL LIMITED→ 12404090 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ALVERSTONE MORTGAGES LIMITED→ 13148840 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ARC INVESTMENT SERVICES LIMITED→ 12252777 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ARCOT COMMERCIAL LTD→ 11693313 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ARISSA LIFESTYLE PROTECTION SPECIALISTS LTD→ 13379455 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ARP DESIGN HOLDINGS LIMITED→ 10208287 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2014-08-28
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
2nd Floor One Gosforth Park Way
Gosforth Business Park
Newcastle Upon Tyne
NE12 8ET
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-09-11
Last: 2025-08-28
Officers (3 active · 10 resigned)
ARCHIBOLD, Judith Ann→
Activesecretary · appointed 2015-12-11
View their other companies + combined net worth →
GILES, Richard Graham→
Activedirector · ~49y · appointed 2025-11-13
View their other companies + combined net worth →
RICHARDS, Stephen→
Activedirector · ~59y · appointed 2019-05-24
View their other companies + combined net worth →
T & H SECRETARIAL SERVICES (PARK RESORTS) LIMITED→
Resignedcorporate-secretary · appointed 2014-08-28 · resigned 2015-12-11
BODEN, David→
Resigneddirector · ~70y · appointed 2014-08-28 · resigned 2015-11-11
BREWSTER, Nigel David→
Resigneddirector · ~64y · appointed 2014-08-28 · resigned 2016-03-31
BULL, Ian Alan→
Resigneddirector · ~65y · appointed 2016-06-15 · resigned 2018-06-29
CASTLEDINE, Alan→
Resigneddirector · ~78y · appointed 2014-08-28 · resigned 2015-11-11
CLARK, Michael Barry→
Resigneddirector · ~53y · appointed 2014-08-28 · resigned 2017-03-13
DAVIS, Kirk Dyson→
Resigneddirector · ~55y · appointed 2024-06-27 · resigned 2025-11-01
KELLETT, Ian→
Resigneddirector · ~63y · appointed 2018-06-30 · resigned 2024-03-01
VAUGHAN, David Frank→
Resigneddirector · ~84y · appointed 2014-08-28 · resigned 2014-11-06
WATERWORTH, John Anthony→
Resigneddirector · ~63y · appointed 2015-12-11 · resigned 2019-03-31
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
2
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Glas Trust Corporation Glas Trust Corporation Limited | A registered charge | 1 property | 14/12/2023 | — | |
| outstanding | Glas Trust Corporation Glas Trust Corporation Limited | A registered charge | 1 property | 14/12/2023 | — | |
| satisfied | Barclays Barclays Bank PLC (And Its Successors in Title and Permitted Transferees | A registered charge | — | 01/06/2017 | 06/07/2023 | |
| satisfied | HSBC Hsbc Corporate Trustee Company (UK) Limited as Security Trustee | A registered charge | 1 property | 10/09/2014 | 13/11/2015 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (56 total)
appoint-person-director-company-with-name-date
officers · AP01
2025-11-18
termination-director-company-with-name-termination-date
officers · TM01
2025-11-18
accounts-with-accounts-type-full
accounts · AA
2025-09-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-01
accounts-with-accounts-type-full
accounts · AA
2024-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-29
appoint-person-director-company-with-name-date
officers · AP01
2024-07-01
termination-director-company-with-name-termination-date
officers · TM01
2024-03-05
accounts-with-accounts-type-full
accounts · AA
2024-02-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-12-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-31
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-06
accounts-with-accounts-type-full
accounts · AA
2023-05-05
change-person-director-company-with-change-date
officers · CH01
2022-12-21