360 VEHICLE MANAGEMENT LIMITED
🌳Matureactive
09533717 · ltd · incorporated 2015-04-09
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 5.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
—
book net assets
Opportunity
75/100
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 75/100 (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: strategic trade sale (65/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 5.5y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.5 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (81/100)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
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
3 connected companies via shared directors
54
Filing history
45 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 · accounting standard unknown| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Average employees | 300 | 300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2025-12-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-27🔒Charge registered #2Lender: Funding Circle LTD
- 2025-01-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-11📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-07-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-04📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2021-01-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-11-20🔒Charge registered #1Lender: Iwoca Skye Finance LTD
- 2019-10-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-05-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-05-08📄change-person-director-company-with-change-dateofficers · CH01
- 2019-05-08📄change-person-director-company-with-change-dateofficers · CH01
- 2018-11-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-11-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2015-04-09🏢Company incorporatedAs 360 VEHICLE MANAGEMENT LIMITED
- 2015-04-09➕SMITH, Christopher Russell appointeddirector
- 2015-04-09➕SMITH, Joanne Elizabeth appointeddirector
- 2015-04-09➕COWAN, Graham appointeddirector
- 2015-04-09➖COWAN, Graham resigneddirector
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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Joanne Elizabeth Smith Individual · British · DOB 12/1987 · age 39 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Christopher Russell Smith Individual · British · DOB 02/1982 · age 44 | 25–50% | 25–50% | 25-50% shares · 25-50% 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
Active · Financial services · FY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 21ST CENTURY MORTGAGE FINANCE LIMITED→ 08848090 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| 4 SUPERNOVAS LTD→ 14448611 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 92834623434 LIMITED→ 16991800 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| A & N FINANCIAL MANAGEMENT LIMITED→ 10849117 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| A NIGAM HOLDINGS LTD→ 13156753 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ACHIEVE PENSION CONSULTING LTD→ 11523565 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACTUARIAL COLLABORATIVE SOLUTIONS LTD→ 15929982 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADCAS FINANCIAL MANAGEMENT LIMITED→ 04609344 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ALFA INVESTIMENTOS LTD→ 17128485 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ALLIUM MONEY LIMITED→ 10977963 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| AMY WAELAND MORTGAGE SERVICES LIMITED→ 08939999 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ANDERSON & CO (INSURANCE BROKERS) LIMITED→ 05104705 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
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
Incorporated2015-04-09
Jurisdictionengland-wales
Primary SIC64910 — Financial leasing
Registered office
Ground Floor, Seneca House
Links Point, Amy Johnson Way
Blackpool
Lancashire
FY4 2FF
United Kingdom
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-04-23
Last: 2026-04-09
Officers (2 active · 1 resigned)
SMITH, Christopher Russell→
Activedirector · ~44y · appointed 2015-04-09
View their other companies + combined net worth →
SMITH, Joanne Elizabeth→
Activedirector · ~39y · appointed 2015-04-09
View their other companies + combined net worth →
COWAN, Graham→
Resigneddirector · ~83y · appointed 2015-04-09 · resigned 2015-04-09
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Funding Circle Funding Circle LTD | A registered charge | 1 property | 27/08/2025 | — | |
| outstanding | iwoca Iwoca Skye Finance LTD | A registered charge | — | 20/11/2020 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (45 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-12
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-01-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-19
change-account-reference-date-company-previous-extended
accounts · AA01
2022-01-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-15