CAR FINANCE ADVISERS LIMITED

🏛️Establishedactive
10812746 · ltd · incorporated 2017-06-11
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
77/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 77/100 (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: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (55/100)

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
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 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
24 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
1
filing
  • • 1 confirmation-statement
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 (18 events)Click to expand
  1. 2026-03-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-03-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-01-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-03-09
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2023-03-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2022-02-11
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2021-08-20
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2021-04-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2020-10-03
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2020-01-05
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2019-02-12
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2018-08-07
    📄
    resolution
    resolution · RESOLUTIONS
  13. 2018-07-19
    ✏️
    change-of-name-notice
    change-of-name · CONNOT
  14. 2018-07-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2017-06-11
    🏢
    Company incorporated
    As CAR FINANCE ADVISERS LIMITED
  16. 2017-06-11
    ➕
    SHINER, Claire appointed
    director
  17. 2017-06-11
    ➕
    SHINER, Richard Martin appointed
    director
  18. 2017-06-11
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

79/100
High — earn-out structure required

Material 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 61 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr Richard Martin Shiner
Individual · English · DOB 08/1965 · age 61
25–50%
25–50%board control25-50% shares · 25-50% voting · board control · firm interest11/06/2017
Mrs Claire Louise Shiner
Individual · English · DOB 06/1971 · age 55
25–50%
25–50%25-50% shares · 25-50% voting11/06/2017

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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.

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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.

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Company details

Statusactive
Typeltd
Incorporated2017-06-11
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Grove View Cottage
Ashow
Kenilworth
CV8 2LE
England

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-06-24
Last: 2026-06-10

Officers (2 active · 0 resigned)

SHINER, Claire→
director · ~55y · appointed 2017-06-11
View their other companies + combined net worth →
Active
SHINER, Richard Martin→
director · ~61y · appointed 2017-06-11
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Recent filings (24 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-14
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-03-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-03-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-22
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-02-11
appoint-person-director-company-with-name-date
officers · AP01
2021-08-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-04-01
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-10-03