SPENCER FINANCE LTD
Opportunity 76/100 (strong), bankability 70/100. 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: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2026-01-31 | 2025-01-31 |
|---|---|---|
| Average employees | 2 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (14 events)Click to expand
- 2026-05-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-24📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2023-10-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-09📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-03-24📍change-sail-address-company-with-new-addressaddress · AD02
- 2023-03-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-01➕MUNRO, Alexander Ellis appointeddirector
- 2022-03-17🏢Company incorporatedAs SPENCER FINANCE LTD
- 2022-03-17➕ROWELL, Robert Simon appointeddirector
- 2022-03-17➕KS COMPANY NO.1 LIMITED appointedcorporate-director
- 2022-03-17➕KS COMPANY NO.2 LIMITED appointedcorporate-director
- 2022-03-17📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 68 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
Red flags
cleanGroup structure
2 corporate shareholders identified. Group structure is distributed.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ks Company No.1 Limited Corporate entity | 25–50% | — | 25-50% shares · trust interest | 17/03/2022 |
Ks Company No.2 Limited Corporate entity | 25–50% | — | 25-50% shares · trust interest | 17/03/2022 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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| CARAVAN GUARD LIMITED→ 04036555 · est 2000 | £23.28M £16.93M–£29.62M | £14.98M | — | 11400 | 25y | 94 | 77y |
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| ADVENT CORPORATE FINANCE LIMITED→ 05052253 · est 2004 | — | — | £6.9k | — | 22y | 80 | 63y |
| HOMES TO OWN MORTGAGES LTD→ 10807525 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| JOY X CAPITAL LTD→ 15871400 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| MOKOSZ LTD→ 16636480 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| MSDAA INNOVATIONS LIMITED→ 15174789 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| REVIVE CRYPTO LIMITED→ 14871738 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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| SMOKED INCORPORATED LTD→ 10998811 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| STONEYHURST INVESTMENTS→ 11705744 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
8 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 →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
Registered office
Filing status
Officers (4 active · 0 resigned)
Click a director name to see their full track record across all companies.