365 BUSINESS FINANCE SUB LIMITED
🏛️Establishedactive
10965313 · ltd · incorporated 2017-09-15
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 7.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
69/100
Strong
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
PursueActive trading company. Reasonable fundamentals — worth a memo before deciding.
Opportunity 69/100 (strong), bankability 65/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
6 live charges · 2 lenders · oldest 7.8y
60/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 7.8 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
- · Not currently profitable — coverage conversation is a harder sell.
Data confidence
Overall: high (82/100)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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
34 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Loss-making
Loss before tax £0
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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Profit before tax | £0 | £0 |
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 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
0
filings
Last 180 days
1
filing
- • 1 address
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2025-11-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-08📄accounts-with-accounts-type-fullaccounts · AA
- 2025-02-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-04🔒Charge registered #6Lender: Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties
- 2024-07-26📄accounts-with-accounts-type-fullaccounts · AA
- 2024-07-16📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-04-08📄accounts-with-accounts-type-fullaccounts · AA
- 2023-06-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-06-13🔒Charge registered #5Lender: Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties
- 2022-12-23📄accounts-with-accounts-type-smallaccounts · AA
- 2022-10-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-10🔒Charge registered #4Lender: Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties
- 2022-02-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-02-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-02-14➕POLATINSKY, Rafael appointeddirector
- 2022-02-14➖RAPHAELY, Anthony Gilcape resigneddirector
- 2022-01-31📄accounts-with-accounts-type-smallaccounts · AA
- 2022-01-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-12-29🔒Charge registered #3Lender: Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties
- 2021-04-22📄accounts-with-accounts-type-smallaccounts · AA
- 2020-03-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-03-16🔒Charge registered #2Lender: Honeycomb Investment Trust PLC
- 2020-01-28📄accounts-with-accounts-type-smallaccounts · AA
- 2019-08-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-06-04📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2018-06-28🔒Charge registered #1Lender: Honeycomb Investment Trust PLC
- 2018-06-12➕RAPHAELY, Anthony Gilcape appointeddirector
- 2017-09-15🏢Company incorporatedAs 365 BUSINESS FINANCE SUB LIMITED
- 2017-09-15➕RAPHAELY, Andrew David appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 low6 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
365 Business Finance Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
365 Business Finance Limited
Corporate parent · holds 75-100% shares · board control
⬇
365 BUSINESS FINANCE SUB LIMITED
This company · 10965313
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
365 Business Finance Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 15/09/2017 |
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 · W postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 101 INVESTMENTS (GP) LIMITED→ 05369392 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| 1LIVING PROPERTY INVESTMENTS LTD→ 16018488 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 1OAK CAPITAL LIMITED→ 06890293 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| 1ST FINANCIAL LIMITED→ 03914025 · est 2000 · no financials extracted | — | — | — | — | 26y | — | — |
| 1ST POLICY LOND LIMITED→ 07086128 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| 25 LUKE STREET LIMITED→ 06536226 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| 311 VENTURES LTD.→ 10568189 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| 360-EQUITY LIMITED→ 11971621 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 365 BUSINESS FINANCE LIMITED→ 08267810 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| 3C ADVISORS LTD→ 14801835 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| 3C PAYMENT UK LTD→ 03257901 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| 3H20 CAPITAL LTD→ 04855970 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2017-09-15
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
Manor House
21 Soho Square
London
W1D 3QP
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-09-28
Last: 2025-09-14
Officers (2 active · 1 resigned)
POLATINSKY, Rafael→
Activedirector · ~49y · appointed 2022-02-14
View their other companies + combined net worth →
RAPHAELY, Andrew David→
Activedirector · ~54y · appointed 2017-09-15
View their other companies + combined net worth →
RAPHAELY, Anthony Gilcape→
Resigneddirector · ~87y · appointed 2018-06-12 · resigned 2022-02-14
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
6
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Psc Service Company as Security Agent and Security Trustee for the Secured Parties Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties | A registered charge | 1 property | 04/02/2025 | — | |
| outstanding | Psc Service Company as Security Agent and Security Trustee for the Secured Parties Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties | A registered charge | 1 property | 13/06/2023 | — | |
| outstanding | Psc Service Company as Security Agent and Security Trustee for the Secured Parties Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties | A registered charge | 1 property | 10/10/2022 | — | |
| outstanding | Psc Service Company as Security Agent and Security Trustee for the Secured Parties Psc Service Company Limited as Security Agent and Security Trustee for the Secured Parties | A registered charge | 1 property | 29/12/2021 | — | |
| outstanding | Honeycomb Investment Trust Honeycomb Investment Trust PLC | A registered charge | 1 property | 16/03/2020 | — | |
| outstanding | Honeycomb Investment Trust Honeycomb Investment Trust PLC | A registered charge | — | 28/06/2018 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (34 total)
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-11-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-17
accounts-with-accounts-type-full
accounts · AA
2025-07-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-24
accounts-with-accounts-type-full
accounts · AA
2024-07-26
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-07-16
accounts-with-accounts-type-full
accounts · AA
2024-04-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-06-13
accounts-with-accounts-type-small
accounts · AA
2022-12-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-10-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-03
appoint-person-director-company-with-name-date
officers · AP01
2022-02-15
termination-director-company-with-name-termination-date
officers · TM01
2022-02-15