APC LENDING LIMITED
🏛️Establishedactive
12062783 · ltd · incorporated 2019-06-21
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 Apr 2025
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 72/100 (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 (75/100)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 (3 active, 4 linked, 1 with DOB)
75
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
30 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
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 | 2025-04-05 | 2024-04-05 |
|---|---|---|
| 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
0
filings
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2025-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-22📄capital-alter-shares-redemption-statement-of-capitalcapital · SH02
- 2025-06-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-06-30📄change-person-director-company-with-change-dateofficers · CH01
- 2024-08-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-04📄capital-alter-shares-redemption-statement-of-capitalcapital · SH02
- 2024-07-04📄capital-alter-shares-redemption-statement-of-capitalcapital · SH02
- 2024-07-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-04-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-08-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-13📄capital-alter-shares-redemption-statement-of-capitalcapital · SH02
- 2022-12-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-11📄capital-alter-shares-redemption-statement-of-capitalcapital · SH02
- 2022-06-30📄change-corporate-director-company-with-change-dateofficers · CH02
- 2022-01-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-11📄appoint-corporate-secretary-company-with-name-dateofficers · AP04
- 2021-10-11📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2021-09-22➕AFFINITY CORPORATE SERVICES LIMITED appointedcorporate-secretary
- 2021-09-22➖AFFINITY TRUST LIMITED resignedcorporate-secretary
- 2021-04-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-09📄capital-allotment-sharescapital · SH01
- 2021-04-08📄capital-allotment-sharescapital · SH01
- 2019-06-21🏢Company incorporatedAs APC LENDING LIMITED
- 2019-06-21➕WALKER, Christie Nicola appointeddirector
- 2019-06-21➕AFFINITY NOMINEES LIMITED appointedcorporate-director
- 2019-06-21➕AFFINITY TRUST LIMITED appointedcorporate-secretary
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 name in company name: Company name contains director surname "LIMITED" — strong identity link between founder and business.
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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Christie Nicola Walker Individual · British · DOB 04/1986 · age 40 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 21/06/2019 |
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.
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
Incorporated2019-06-21
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
Leverstock Cottage
Pancake Lane
Hemel Hempstead
Hertfordshire
HP2 4NJ
England
Filing status
Accounts
Next due: 2027-01-05
Last made up to: 2025-04-05
Confirmation statement
Next due: 2026-07-04
Last: 2025-06-20
Officers (3 active · 1 resigned)
AFFINITY CORPORATE SERVICES LIMITED→
Activecorporate-secretary · appointed 2021-09-22
View their other companies + combined net worth →
WALKER, Christie Nicola→
Activedirector · ~40y · appointed 2019-06-21
View their other companies + combined net worth →
AFFINITY NOMINEES LIMITED→
Activecorporate-director · appointed 2019-06-21
View their other companies + combined net worth →
AFFINITY TRUST LIMITED→
Resignedcorporate-secretary · appointed 2019-06-21 · resigned 2021-09-22
Click a director name to see their full track record across all companies.
Recent filings (30 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-30
capital-alter-shares-redemption-statement-of-capital
capital · SH02
2025-07-22
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-06-30
change-person-director-company-with-change-date
officers · CH01
2025-06-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-28
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-04
capital-alter-shares-redemption-statement-of-capital
capital · SH02
2024-07-04
capital-alter-shares-redemption-statement-of-capital
capital · SH02
2024-07-04
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-07-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-21
capital-alter-shares-redemption-statement-of-capital
capital · SH02
2023-07-13
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-15