ACCESS FINANCE LIMITED
🏛️Establishedactive
11037535 · ltd · incorporated 2017-10-30
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
—
year to Dec 2024
Net worth
£-770.1k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
- 70229Management consultancy activities other than financial management
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 77/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 75). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 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
6 officers (2 active, 6 linked, 6 with DOB)
90
Ownership & PSC
2 active PSC(s) of 6 total, 6 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
56 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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £770,075
Cash YoY
+546%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£34k
↑ 546% YoY
Net Worth
-£770k
↓ 9.5% YoY
Current Assets
£3.9m
↓ 1.7% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £-770.1k | £-703.4k |
| Current assets | £3.87M | £3.94M |
| Cash | £33.9k | £5.2k |
| Debtors | £3.84M | £3.93M |
| Net assets | £-770.1k | £-703.4k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2025-09-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-26➖BWERINOFA, Isau resigneddirector
- 2023-06-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-06-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-06-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-06-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-06-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-06-08➕STOCKS, Richard James appointeddirector
- 2021-09-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-02-17📄capital-allotment-sharescapital · SH01
- 2020-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-13📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-06-08➖JINNAH, Jamille resigneddirector
- 2019-06-07➖CAPLETON, Alan resigneddirector
- 2019-03-18➕BRACEY, Edwin John appointeddirector
- 2018-07-01➕CAPLETON, Alan appointeddirector
- 2018-07-01➕JINNAH, Jamille appointeddirector
- 2018-02-02➖ORFORD, Susan resigneddirector
- 2018-01-16➕ORFORD, Susan appointeddirector
- 2017-10-30🏢Company incorporatedAs ACCESS FINANCE LIMITED
- 2017-10-30➕BWERINOFA, Isau appointeddirector
Owner dependency
73/100
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.
- +Founder age: Director aged approximately 75 — succession pressure is live.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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 |
|---|---|---|---|---|
Mr Richard James Stocks Individual · British · DOB 03/1957 · age 69 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 01/06/2023 |
Mr Edwin John Bracey Individual · British · DOB 05/1951 · age 75 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/06/2023 |
4 historic (ceased) PSCs
- Mr Singathini Raymond Chigogwanaceased 01/06/2023· 50-75% shares · 50-75% voting · board control
- Access Finance Internationalceased 04/05/2020· 75-100% shares
- Access Finance International Limitedceased 04/05/2020· 75-100% shares · 75-100% voting · board control
- Mr Isau Bwerinofaceased 12/10/2018· 75-100% shares · 75-100% voting · board control · firm interest
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 · RG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1850 CAPITAL PARTNERS LIMITED→ 08781721 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| A.MUJA LIMITED→ 16623821 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABL RECOVERY HOLDINGS LIMITED→ 12465284 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ACM INVESTMENT I LIMITED→ 16130553 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADAMANTEAN ASSET FINANCE LIMITED→ 13237862 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ADAMANTEAN CONSULTING LIMITED→ 11147340 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AFP WOKINGHAM LTD→ 14609331 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| AGS PENSION TRUSTEE LIMITED→ 07627525 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| AIP ACQUISITIONS II LIMITED→ 09431123 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ALBANI LIMITED→ 05808405 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| ALEXANDER ROWAN FINANCIAL LIMITED→ 09523842 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ALLDACC GROUP LTD→ 15724609 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated2017-10-30
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
4 Comet House
Calleva Park
Aldermaston
Berkshire
RG7 8JA
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-07-18
Last: 2025-07-04
Officers (2 active · 4 resigned)
BRACEY, Edwin John→
Activedirector · ~75y · appointed 2019-03-18
View their other companies + combined net worth →
STOCKS, Richard James→
Activedirector · ~69y · appointed 2022-06-08
View their other companies + combined net worth →
BWERINOFA, Isau→
Resigneddirector · ~49y · appointed 2017-10-30 · resigned 2023-06-26
CAPLETON, Alan→
Resigneddirector · ~69y · appointed 2018-07-01 · resigned 2019-06-07
JINNAH, Jamille→
Resigneddirector · ~55y · appointed 2018-07-01 · resigned 2020-06-08
ORFORD, Susan→
Resigneddirector · ~71y · appointed 2018-01-16 · resigned 2018-02-02
Click a director name to see their full track record across all companies.
Recent filings (56 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-23
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-27
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-29
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-04
termination-director-company-with-name-termination-date
officers · TM01
2023-06-26
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-06-21
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-06-20
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-06-19
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-06-19
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-19
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-30
appoint-person-director-company-with-name-date
officers · AP01
2022-06-09