H2H BUSINESS FINANCE LIMITED
💤Zombieactive
13816765 · ltd · incorporated 2021-12-23
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
64/100
Worth a look
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 64/100 (worth a look), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: 1 insolvency-related filing on record. Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (55/100)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
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
31 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
64/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
64
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 1 officers
- • 1 persons-with-significant-control
Last 180 days
6
filings
- • 1 officers
- • 1 persons-with-significant-control
- • 1 capital
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2026-04-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-04-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-03-26➖FINN, Joseph resigneddirector
- 2026-03-10📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2026-03-10📄resolutionresolution · RESOLUTIONS
- 2026-03-10⚠️legacyinsolvency · CAP-SS
- 2025-09-30📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-08-26📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-26📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-08-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-08-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-06📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-08-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-08-01📄change-person-director-company-with-change-dateofficers · CH01
- 2024-08-01📄change-person-director-company-with-change-dateofficers · CH01
- 2024-08-01📄change-person-director-company-with-change-dateofficers · CH01
- 2024-08-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-01➕FINN, Joseph appointeddirector
- 2021-12-23🏢Company incorporatedAs H2H BUSINESS FINANCE LIMITED
- 2021-12-23➕KENT, Matthew appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 high · 1 low1 insolvency-related filing on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2026-03-10: legacy
Multiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Matthew Kent Individual · British · DOB 12/1997 · age 29 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 23/12/2021 |
1 historic (ceased) PSC
- Mr Joseph Finnceased 10/03/2026· 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.
Similar companies
Active · Financial services · CB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ASE INTERNATIONAL LTD→ 11841295 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| FIDELIUM FINANCIAL PLANNERS LIMITED→ 09548030 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| GO GLOBAL MARKETS LTD→ 16526662 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GRANTA CROWN LIMITED→ 16458894 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HAMMOND’S MORTGAGE SERVICES LIMITED→ 06251076 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| HIGHLY STRUNG LIMITED→ 03013581 · est 1995 · no financials extracted | — | — | — | — | 31y | — | — |
| IAN BALDWIN FINANCIAL SERVICES LTD→ 12602844 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ID MORTGAGES LIMITED→ 10784484 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| IDEALISTIC MORTGAGE SERVICES LTD→ 13593952 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| INFORM VENTURES LIMITED→ 16764000 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ITALICA ENTERPRISE LTD.→ 07603703 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| J3 ENTERPRISES LIMITED→ 16329200 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2021-12-23
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
3c St. Thomas Place
Ely
Cambridgeshire
CB7 4EX
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-05
Last: 2025-12-22
Officers (1 active · 1 resigned)
KENT, Matthew→
Activedirector · ~29y · appointed 2021-12-23
View their other companies + combined net worth →
FINN, Joseph→
Resigneddirector · ~32y · appointed 2022-01-01 · resigned 2026-03-26
Click a director name to see their full track record across all companies.
Recent filings (31 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-04-02
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-04-02
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2026-03-10
resolution
resolution · RESOLUTIONS
2026-03-10
legacy
insolvency · CAP-SS
2026-03-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-02
change-person-director-company-with-change-date
officers · CH01
2025-09-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-30
change-person-director-company-with-change-date
officers · CH01
2025-08-26
change-person-director-company-with-change-date
officers · CH01
2025-08-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-08-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-24