ACCESS BUSINESS FINANCE LTD
🌿Early-stageactive
13788089 · ltd · incorporated 2021-12-07
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.
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 Mar 2026
Net worth
£76.0k
book net assets
Opportunity
70/100
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 acceptable with review structure.
Opportunity 70/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: high (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
3 years of iXBRL accounts extracted + narrative notes parsed
95
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
26 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £76,013
Cash YoY
+38%
Year on year
Key financials
3 years extracted from filed iXBRL accountsCash
£129k
↑ 38% YoY
Net Worth
£76k
↑ 39% YoY
Current Assets
£156k
↑ 36% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2026-03-31 | 2025-03-31 | 2024-03-31 |
|---|---|---|---|
| Total assets | £103.3k | £68.8k | £49.4k |
| Current assets | £155.5k | £114.4k | £51.4k |
| Cash | £129.3k | £93.7k | £36.0k |
| Debtors | £26.2k | £20.6k | £15.5k |
| Net assets | £76.0k | £54.8k | £29.1k |
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
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2026-05-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-12-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-12-02📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-02📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-05-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-08-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-06-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-05-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-07-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-07-04📄change-person-director-company-with-change-dateofficers · CH01
- 2022-06-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-04-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-04-06📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2022-04-04➖SENIOR, Jordan David resigneddirector
- 2022-04-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-03-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-03-25➕KIRTLEY, Christopher appointeddirector
- 2022-03-25➕PERKINS, Curtis appointeddirector
- 2022-03-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-03-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-12-07🏢Company incorporatedAs ACCESS BUSINESS FINANCE LTD
- 2021-12-07➕SENIOR, Jordan David appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Christopher Kirtley Individual · British · DOB 01/1998 · age 28 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 25/03/2022 |
Mr Curtis Perkins Individual · British · DOB 01/1996 · age 30 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 25/03/2022 |
1 historic (ceased) PSC
- Mr Jordan David Seniorceased 12/04/2022· 75-100% shares · 75-100% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · MK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BEDFORD MORTGAGE AND FINANCE LIMITED→ 16654251 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BLUE STRIPE SAUCER LTD→ 12671942 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BOOSST FINANCIAL LIMITED→ 10831070 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| BUNTYFERRET INVESTMENTS LIMITED→ 11861564 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| BUSINESS FUNDING SOLUTIONS LIMITED→ 14741733 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| C & M MCCLORY & CO LIMITED→ 11691278 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CAPEX INVESTMENT UK LIMITED→ 12067621 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CAPITAL PRIVATE FINANCE LIMITED→ 07552028 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| CASKGUARD LIMITED→ 16917112 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CC CROWN BIRMINGHAM STUDENT HOUSING LIMITED→ 15269644 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CCJ MORTGAGE EXPERT LIMITED→ 11227625 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| CEDAR CREST GROUP LIMITED→ 12851894 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated2021-12-07
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Unit 17 Stephenson Court, Fraser Road
Priory Business Park
Bedford
MK44 3WJ
England
Filing status
Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2026-12-20
Last: 2025-12-06
Officers (2 active · 1 resigned)
KIRTLEY, Christopher→
Activedirector · ~28y · appointed 2022-03-25
View their other companies + combined net worth →
PERKINS, Curtis→
Activedirector · ~30y · appointed 2022-03-25
View their other companies + combined net worth →
SENIOR, Jordan David→
Resigneddirector · ~33y · appointed 2021-12-07 · resigned 2022-04-04
Click a director name to see their full track record across all companies.
Recent filings (26 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-03
change-person-director-company-with-change-date
officers · CH01
2025-12-02
change-person-director-company-with-change-date
officers · CH01
2025-12-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-07
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-03-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-07
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-06-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-24
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-06