ASSET FINANCE SPECIALISTS LTD
🏛️Establishedactive
12058060 · ltd · incorporated 2019-06-19
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 Jun 2025
Net worth
£47.6k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle 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: strategic trade sale (73/100).
Data confidence
Overall: medium (76/100)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
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
20 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 · FRS 102Positive net assets
Net assets £47,607
Net assets shrinking
Down £143 YoY
Cash YoY
+4%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£93k
↑ 4.4% YoY
Net Worth
£48k
~ YoY
Current Assets
£107k
↓ 1.7% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £62.3k | £52.8k |
| Current assets | £106.6k | £108.5k |
| Cash | £93.0k | £89.1k |
| Debtors | £13.7k | £19.4k |
| Net assets | £47.6k | £47.8k |
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
5
filings
- • 3 officers
- • 2 persons-with-significant-control
Last 180 days
6
filings
- • 3 officers
- • 2 persons-with-significant-control
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2026-04-29📄change-person-director-company-with-change-dateofficers · CH01
- 2026-04-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-04-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-04-29📄change-person-secretary-company-with-change-dateofficers · CH03
- 2026-04-29📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-11-02📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-03-02📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-01-06📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2020-12-21➕ARNOLD, Sarah Louise appointedsecretary
- 2019-06-19🏢Company incorporatedAs ASSET FINANCE SPECIALISTS LTD
- 2019-06-19➕ARNOLD, Richard John appointeddirector
- 2019-06-19➕THOMAS, Ian David appointeddirector
- 2019-06-19📄incorporation-companyincorporation · NEWINC
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- 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 John Arnold Individual · British · DOB 02/1970 · age 56 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 19/06/2019 |
Mr Ian David Thomas Individual · British · DOB 03/1964 · age 62 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 19/06/2019 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| AUSTIN ASSET MANAGEMENT LTD→ 06552966 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| AWESOME MORTGAGES LTD→ 13036720 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| B & D PARTNERS LIMITED→ 13266070 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
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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.
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
Incorporated2019-06-19
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Unit 14 Dunchideock Barton
Dunchideock
Exeter
EX2 9UA
England
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-07-02
Last: 2025-06-18
Officers (3 active · 0 resigned)
ARNOLD, Sarah Louise→
Activesecretary · appointed 2020-12-21
View their other companies + combined net worth →
ARNOLD, Richard John→
Activedirector · ~56y · appointed 2019-06-19
View their other companies + combined net worth →
THOMAS, Ian David→
Activedirector · ~62y · appointed 2019-06-19
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (20 total)
change-person-director-company-with-change-date
officers · CH01
2026-04-29
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-29
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-29
change-person-secretary-company-with-change-date
officers · CH03
2026-04-29
change-person-director-company-with-change-date
officers · CH01
2026-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-02-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-11-02