108C FINANCE LIMITED
🏛️Establishedactive
12250629 · ltd · incorporated 2019-10-08
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£-387.0k
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 71/100 (strong), bankability 77/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
8 live charges · 4 lenders · oldest 6.3y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 6.3 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 1 with DOB)
75
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
27 connected companies via shared directors
90
Filing history
36 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £387,037
Key financials
1 year extracted from filed iXBRL accountsCash
£87k
Net Worth
-£387k
Current Assets
£289k
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 |
|---|---|
| Total assets | £-387.0k |
| Current assets | £289.2k |
| Cash | £86.5k |
| Debtors | £202.7k |
| Net assets | £-387.0k |
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 (42 events)Click to expand
- 2025-11-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-04-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-17📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-12📄change-corporate-director-company-with-change-dateofficers · CH02
- 2024-04-12📄change-corporate-director-company-with-change-dateofficers · CH02
- 2024-04-12📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2024-04-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-06-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-06-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-06-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-06-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-06-20🔓Charge satisfied #8
- 2023-06-20🔓Charge satisfied #7
- 2023-06-20🔓Charge satisfied #6
- 2023-06-20🔓Charge satisfied #5
- 2023-05-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-16🔓Charge satisfied #4
- 2023-03-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-03-07🔓Charge satisfied #2
- 2022-12-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-12-19🔒Charge registered #8Lender: Avcap Luxembourg Asset Holding I S.A.R.L.
- 2022-10-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-28🔒Charge registered #7Lender: Avcap Luxembourg Asset Holding I S.a R.L.
- 2022-06-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-24🔒Charge registered #6Lender: Avcap Luxembourg Asset Holding I S.A.R.L.
- 2022-05-24🔒Charge registered #5Lender: Avcap Luxembourg Asset Holding I S.A.R.L.
- 2022-04-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-04-29🔓Charge satisfied #1
- 2021-07-15🔓Charge satisfied #3
- 2021-03-02🔒Charge registered #4Lender: Fasanara Capital Limited
- 2020-08-14🔒Charge registered #3Lender: Bny Mellon Corporate Trustee Services Limited
- 2020-01-27🔒Charge registered #1Lender: Bny Mellon Corporate Trustee Services Limited
- 2020-01-22🔒Charge registered #2Lender: Bny Mellon Corporate Trustee Services Limited
- 2019-10-08🏢Company incorporatedAs 108C FINANCE LIMITED
- 2019-10-08➕MAPLES FIDUCIARY SERVICES (UK) LIMITED appointedcorporate-secretary
- 2019-10-08➕LEAHY, Charles Michael appointeddirector
- 2019-10-08➕MAPLESFS UK CORPORATE DIRECTOR NO.1 LIMITED appointedcorporate-director
- 2019-10-08➕MAPLESFS UK CORPORATE DIRECTOR NO.2 LIMITED appointedcorporate-director
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
- +Founder name in company name: Company name contains director surname "LIMITED" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Maples Fiduciary Services (Uk) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Maples Fiduciary Services (Uk) Limited
Corporate parent · holds 75-100% shares · board control
⬇
108C FINANCE LIMITED
This company · 12250629
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 |
|---|---|---|---|---|
Maples Fiduciary Services (Uk) Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 08/10/2019 |
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 · EC postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2X IGNITE LIMITED→ 15873885 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 3 RED GROUPS LIMITED→ 16590338 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 3G CAPITAL INVESTMENTS LTD→ 13578756 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 3MG INTERNATIONAL LIMITED→ 13272866 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 6K CAPITAL LTD→ 15882048 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 7 PEMBRIDGE LIMITED→ 14681486 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| 7IM INVESTMENT AND RETIREMENT SOLUTIONS LIMITED→ 10902511 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ABCOR FINANCE NO3 LIMITED→ 14208886 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ABCOR SERVICES LIMITED→ 16234881 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ABERDEEN CORPORATE FINANCE LIMITED→ 16025827 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABERDEEN EQUITY INCOME TRUST PLC→ 02648152 · est 1991 · no financials extracted | — | — | — | — | 34y | — | — |
| ABERDEEN EUROPEAN INFRASTRUCTURE GP II LIMITED→ 09659644 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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
Incorporated2019-10-08
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Duo, Level 6
280 Bishopsgate
London
EC2M 4RB
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-10-21
Last: 2025-10-07
Officers (4 active · 0 resigned)
MAPLES FIDUCIARY SERVICES (UK) LIMITED→
Activecorporate-secretary · appointed 2019-10-08
View their other companies + combined net worth →
LEAHY, Charles Michael→
Activedirector · ~51y · appointed 2019-10-08
View their other companies + combined net worth →
MAPLESFS UK CORPORATE DIRECTOR NO.1 LIMITED→
Activecorporate-director · appointed 2019-10-08
View their other companies + combined net worth →
MAPLESFS UK CORPORATE DIRECTOR NO.2 LIMITED→
Activecorporate-director · appointed 2019-10-08
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
8
Total charges
0
Outstanding
0
Active lenders
Status:Lender:8 of 8 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Avcap Luxembourg Asset Holding I S.A.R.L. | A registered charge | — | 19/12/2022 | 20/06/2023 | |
| satisfied | Avcap Luxembourg Asset Holding I S.a R.L. | A registered charge | — | 28/10/2022 | 20/06/2023 | |
| satisfied | Avcap Luxembourg Asset Holding I S.A.R.L. | A registered charge | 1 property | 24/05/2022 | 20/06/2023 | |
| satisfied | Avcap Luxembourg Asset Holding I S.A.R.L. | A registered charge | 1 property | 24/05/2022 | 20/06/2023 | |
| satisfied | Fasanara Capital Fasanara Capital Limited | A registered charge | — | 02/03/2021 | 16/05/2023 | |
| satisfied | Bny Mellon Corporate Trustee Services Bny Mellon Corporate Trustee Services Limited | A registered charge | 1 property | 14/08/2020 | 15/07/2021 | |
| satisfied | Bny Mellon Corporate Trustee Services Bny Mellon Corporate Trustee Services Limited | A registered charge | — | 27/01/2020 | 29/04/2022 | |
| satisfied | Bny Mellon Corporate Trustee Services Bny Mellon Corporate Trustee Services Limited | A registered charge | — | 22/01/2020 | 07/03/2023 |
Recent filings (36 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-18
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-05-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-27
change-person-director-company-with-change-date
officers · CH01
2024-04-17
change-corporate-director-company-with-change-date
officers · CH02
2024-04-12
change-corporate-director-company-with-change-date
officers · CH02
2024-04-12
change-corporate-secretary-company-with-change-date
officers · CH04
2024-04-12
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-18
mortgage-satisfy-charge-full
mortgage · MR04
2023-06-20
mortgage-satisfy-charge-full
mortgage · MR04
2023-06-20
mortgage-satisfy-charge-full
mortgage · MR04
2023-06-20
mortgage-satisfy-charge-full
mortgage · MR04
2023-06-20