ALL CARS DIRECT LIMITED
🌳Matureactive
09510936 · ltd · incorporated 2015-03-26
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 6.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: SIC 45112
Sector: Wholesale & retail
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 75/100 (strong), bankability 80/100. 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 (58/100).
🏦
Refinance opportunity
1 live charge · oldest 6.7y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 6.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
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
Network not yet resolved
30
Filing history
36 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
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 | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Average employees | 800 | 700 |
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
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2026-04-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-12📄change-person-director-company-with-change-dateofficers · CH01
- 2020-03-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-03-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-03-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-03-10➕DUNHAM, Richard appointeddirector
- 2019-10-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-10-14🔒Charge registered #1Lender: Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)
- 2019-08-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-03-16➖DUNHAM, Richard resigneddirector
- 2017-03-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2016-05-01➕DUNHAM, Richard appointeddirector
- 2015-03-26🏢Company incorporatedAs ALL CARS DIRECT LIMITED
- 2015-03-26➕DUNHAM, Nicole Justine 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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
41/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Nicole Justine Dunham Individual · British · DOB 08/1985 · age 41 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control · firm interest | 07/04/2016 |
Mr Richard Dunham Individual · British · DOB 12/1974 · age 52 | — | — | board controlboard control | 07/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Automotive · DH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A F MOTOR SERVICES (DURHAM) LIMITED→ 07915504 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| A SIX NINETY ONE WARRANTIES LIMITED→ 12150838 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| A690 SPECIALIST CARS LIMITED→ 06770229 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ANGLO SCOTTISH ASSET FINANCE LIMITED→ 06099866 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| AUTOPARKUK LIMITED→ 11238353 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AUTOREPAIRUK LTD→ 11803899 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| AUTOSERVICE (STANLEY) LTD→ 15499254 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| BARS FACTORS LIMITED→ 03343325 · est 1997 · no financials extracted | — | — | — | — | 29y | — | — |
| BEAMISH MORGAN LIMITED→ 07704024 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BEAMISH STREET ACCIDENT REPAIR CENTRE LIMITED→ 07099707 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| BEEP BEEP CARS LTD→ 15245342 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BEEP BEEP SERVICE CENTRE LTD→ 16888103 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2015-03-26
Jurisdictionengland-wales
Primary SIC45112 — SIC 45112
Registered office
All Cars Direct Limited Morton Crescent
Fencehouses
Houghton Le Spring
Tyne And Wear
DH4 6AD
England
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-03-14
Last: 2026-02-28
Officers (2 active · 1 resigned)
DUNHAM, Nicole Justine→
Activedirector · ~41y · appointed 2015-03-26
View their other companies + combined net worth →
DUNHAM, Richard→
Activedirector · ~52y · appointed 2020-03-10
View their other companies + combined net worth →
DUNHAM, Richard→
Resigneddirector · ~52y · appointed 2016-05-01 · resigned 2017-03-16
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111) | A registered charge | — | 14/10/2019 | — |
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
2026-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-01
confirmation-statement-with-updates
confirmation-statement · CS01
2021-03-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-24
change-person-director-company-with-change-date
officers · CH01
2020-03-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2020-03-12
appoint-person-director-company-with-name-date
officers · AP01
2020-03-12