ALLEN FINANCE LIMITED
Opportunity 56/100 (worth a look), bankability 50/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: strategic trade sale (40/100). Current lenders should be on monthly review.
Refinance opportunity
1 live charge · oldest 2.1y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 2.1 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Mixed signal. Worth opening the full target workup before deciding to pursue.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-03-31 | 2023-03-31 |
|---|---|---|
| Total assets | £5.7k | — |
| Current assets | £25.7k | — |
| Cash | £796 | — |
| Debtors | £24.9k | — |
| Net assets | £5.7k | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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
- • 1 gazette
- • 1 gazette
Corporate timeline (21 events)Click to expand
- 2026-05-26📄gazette-notice-compulsorygazette · GAZ1
- 2025-10-04📄gazette-filings-brought-up-to-dategazette · DISS40
- 2025-09-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-08-12📄gazette-notice-compulsorygazette · GAZ1
- 2024-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-08📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-05-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-17🔒Charge registered #1Lender: Openwork Services Limited
- 2023-12-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-12-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-12-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-17📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-06-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-05-31📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2019-05-31📄capital-allotment-sharescapital · SH01
- 2015-06-05🏢Company incorporatedAs ALLEN FINANCE LIMITED
- 2015-06-05➕ALLEN, Tom appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "ALLEN" — strong identity link between founder and business.
- +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
2 high ·Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2026-03-31
Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-06-08
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Tom Allen Individual · British · DOB 06/1984 · age 42 | 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.
Similar companies
Active · Financial services · SA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AABF LIMITED→ 10563011 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ADRIAN W.MORRIS LIMITED→ 09139059 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ADRICAM LTD→ 07289420 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| AGRYIN LTD→ 16372217 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AJ PHILLIPS IFA LTD→ 09959450 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| AJH FINANCIAL SERVICES LTD→ 03898187 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| AK HEALTH & LIFE LTD→ 16781275 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALANTREV LTD→ 15443737 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ALED WILLIAMS FINANCIAL MANAGEMENT LTD→ 11239142 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| ALGOTECH LTD→ 11521858 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ALL PEMBROKESHIRE GROUP LTD→ 16108177 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ALLIED ASSIST LTD→ 11799771 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
10 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 →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
Registered office
Filing status
Officers (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Openwork Services Openwork Services Limited | A registered charge | — | 17/05/2024 | — |