A T COMMERCIAL FINANCE LIMITED

🌿Early-stageactive
13752408 · ltd · incorporated 2021-11-18
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
—
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 75/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (80/100)

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
Confirmed no charges registered
85
Directors & officers
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
22 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Apr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30
Average employees400200

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
2
filings
  • • 2 resolution
Last 90 days
3
filings
  • • 2 resolution
  • • 1 persons-with-significant-control
Last 180 days
3
filings
  • • 2 resolution
  • • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2026-06-08
    📄
    resolution
    resolution · RESOLUTIONS
  2. 2026-05-27
    📄
    resolution
    resolution · RESOLUTIONS
  3. 2026-05-08
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  4. 2025-11-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-11-05
    📄
    resolution
    resolution · RESOLUTIONS
  6. 2024-10-29
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  7. 2024-10-29
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  8. 2024-10-29
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  9. 2024-10-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2023-08-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2023-03-24
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  12. 2022-10-06
    📄
    memorandum-articles
    incorporation · MA
  13. 2022-10-06
    📄
    resolution
    resolution · RESOLUTIONS
  14. 2022-10-06
    📄
    capital-name-of-class-of-shares
    capital · SH08
  15. 2022-10-06
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  16. 2022-04-28
    ➕
    ANDERSON, Kathryn appointed
    director
  17. 2022-04-28
    ➕
    THOMPSON, Sharon Elaine appointed
    director
  18. 2022-04-28
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2022-04-28
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  20. 2021-11-18
    🏢
    Company incorporated
    As A T COMMERCIAL FINANCE LIMITED
  21. 2021-11-18
    ➕
    ANDERSON, John Paul appointed
    director
  22. 2021-11-18
    ➕
    THOMPSON, Jonathan William Mark appointed
    director
  23. 2021-11-18
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

56/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

50/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

2 corporate shareholders identified. Group structure is distributed.

🏛️
Thomfam Holdings Limited
Corporate parent · holds 25-50% shares
significant stake
🏛️
Andofam Holdings Limited
Corporate parent · holds 25-50% shares
significant stake
⬇
A T COMMERCIAL FINANCE LIMITED
This company · 13752408

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Thomfam Holdings Limited
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting14/04/2026
Andofam Holdings Limited
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting14/10/2024
2 historic (ceased) PSCs
  • Mr John Paul Andersonceased 14/10/2024· 25-50% shares · 25-50% voting · board control
  • Mr Jonathan William Mark Thompsonceased 14/10/2024· 25-50% shares · 25-50% voting · board control

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 →

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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
Incorporated2021-11-18
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

91-97 Saltergate
Chesterfield
S40 1LA
England

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-12-01
Last: 2025-11-17

Officers (4 active · 0 resigned)

ANDERSON, John Paul→
director · ~47y · appointed 2021-11-18
View their other companies + combined net worth →
Active
ANDERSON, Kathryn→
director · ~44y · appointed 2022-04-28
View their other companies + combined net worth →
Active
THOMPSON, Jonathan William Mark→
director · ~63y · appointed 2021-11-18
View their other companies + combined net worth →
Active
THOMPSON, Sharon Elaine→
director · ~61y · appointed 2022-04-28
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Recent filings (22 total)

resolution
resolution · RESOLUTIONS
2026-06-08
resolution
resolution · RESOLUTIONS
2026-05-27
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-05-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-25
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-11
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-20
resolution
resolution · RESOLUTIONS
2024-11-05
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-10-29
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-10-29
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-10-29
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-21
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-14
change-account-reference-date-company-current-extended
accounts · AA01
2023-03-24
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-28