FIRST CLASS FINANCE LIMITED
🌳Matureactive
09811414 · ltd · incorporated 2015-10-06
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 Jun 2025
Net worth
£473.9k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle 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: strategic trade sale (73/100).
Data confidence
Overall: medium (77/100)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
Confirmed no charges registered
85
Directors & officers
4 officers (4 active, 4 linked, 3 with DOB)
85
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
37 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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £473,894
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£474k
↑ 11% YoY
Current Assets
£789k
↑ 5.1% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £503.0k | £460.7k |
| Current assets | £788.7k | £750.2k |
| Net assets | £473.9k | £426.2k |
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
4
filings
- • 2 officers
- • 2 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2026-03-10📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-10📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-03-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-04-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-03-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-03-25📄change-person-secretary-company-with-change-dateofficers · CH03
- 2020-03-25📄change-person-secretary-company-with-change-dateofficers · CH03
- 2020-03-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-03-24📄change-person-director-company-with-change-dateofficers · CH01
- 2020-03-24📄change-person-director-company-with-change-dateofficers · CH01
- 2015-12-01➕HAMPSON, Stephen Thomas appointeddirector
- 2015-10-06🏢Company incorporatedAs FIRST CLASS FINANCE LIMITED
- 2015-10-06➕THOMPSON, Michael John appointedsecretary
- 2015-10-06➕THOMPSON, Jane appointeddirector
- 2015-10-06➕THOMPSON, Michael John 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
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- 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
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Michael John Thompson Individual · British · DOB 02/1964 · age 62 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Jane Louise Thompson Individual · British · DOB 03/1975 · age 51 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Stephen Thomas Hampson Individual · British · DOB 01/1964 · age 62 | 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.
Similar companies
Active · Financial services · PR postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ENTERPRISE VENTURES GROUP LIMITED→ 04161494 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
| EP GEN LTD→ 16876561 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| EQUITY RELEASE 4 US LIMITED→ 14190455 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| FOINAVEN ASSET MANAGEMENT LTD→ 05015645 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| FORE FINANCIAL PLANNING LTD→ 16024269 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| G S FINANCIAL PLANNING LIMITED→ 08574589 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| GREENLANDS INVESTMENTS LIMITED→ 16866772 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GREY BEARD INVESTMENT LTD→ 13888404 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| GRIFFITH AND SHARP MORTGAGE SERVICES LIMITED→ 06592339 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| GROSVENOR WEALTH MANAGEMENT LIMITED→ 03845524 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| GUARDIAN DEBT SOLUTIONS LTD→ 07908483 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| GUARDIAN INSOLVENCY LTD→ 07906134 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
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
Incorporated2015-10-06
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Registered office
37 Hesketh Road
Southport
PR9 9PB
England
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-10-19
Last: 2025-10-05
Officers (4 active · 0 resigned)
THOMPSON, Michael John→
Activesecretary · appointed 2015-10-06
View their other companies + combined net worth →
HAMPSON, Stephen Thomas→
Activedirector · ~62y · appointed 2015-12-01
View their other companies + combined net worth →
THOMPSON, Jane→
Activedirector · ~51y · appointed 2015-10-06
View their other companies + combined net worth →
THOMPSON, Michael John→
Activedirector · ~62y · appointed 2015-10-06
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (37 total)
change-person-director-company-with-change-date
officers · CH01
2026-03-10
change-person-director-company-with-change-date
officers · CH01
2026-03-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-10
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-11
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-02-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-27
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-07
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-07