ABN FINANCE LTD
🌿Early-stageactive
14604160 · ltd · incorporated 2023-01-19
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 Jan 2025
Net worth
£148
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
- 66220Activities of insurance agents and brokers
Investor take
PursueAsset-holding vehicle. Family succession underway — not a classic acquisition target.
Opportunity 72/100 (strong), bankability 70/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
16 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
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
77
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 £148
Net assets shrinking
Down £739 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£148
↓ 83% YoY
Current Assets
£838
↓ 8.3% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £148 | £887 |
| Current assets | £838 | £914 |
| Net assets | £148 | £887 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 change-of-name
Counts from Companies House filing history.
Corporate timeline (15 events)Click to expand
- 2025-12-12✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2025-10-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-16✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-04-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-02-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-02-01📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-01-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-01-22➕SHAH, Kirit Kumar appointeddirector
- 2023-02-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-02-02📄change-person-director-company-with-change-dateofficers · CH01
- 2023-02-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-01-19🏢Company incorporatedAs ABN FINANCE LTD
- 2023-01-19➕SHAH, Niraj Kirit Govindji appointeddirector
- 2023-01-19📄incorporation-companyincorporation · NEWINC
Owner dependency
81/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 76 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
26/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- primaryFamily succession underway: Not a takeover target — SHAH, Niraj Kirit Govindji (same surname) appointed 2023-01-19. Pattern consistent with intra-family handover.
- primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Name changed 2 times
mediumName changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-12-12: certificate-change-of-name-company; 2024-06-16: certificate-change-of-name-company
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Niraj Kirit Govindji Shah Individual · British · DOB 02/1980 · age 46 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 19/01/2023 |
1 historic (ceased) PSC
- Mrs Malini Chandrakant Shahceased 15/09/2023· 25-50% shares · 25-50% voting
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 · WD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 66 CAPITAL LTD→ 13017778 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| A1 PROPERTY FINANCE LTD→ 16153045 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AARC CAPITAL LIMITED→ 10268078 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| AARNIC BRIDGING COMPARISON LTD→ 13710401 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ABACUS CREDIT INSURANCE BROKERS LTD→ 11781238 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ABACUS LENDING SOLUTIONS LTD→ 11592055 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ABLEGRIP INVESTMENTS LIMITED→ 08266279 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| ACCESS DIRECT FINANCIAL SERVICES LTD→ 03856643 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| ACCOUNTABILITY SOLUTIONS LIMITED→ 06978333 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| ACME VALUE MANAGEMENT LIMITED→ 10260248 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ACTION FOR CHILDREN PENSION TRUSTEE LIMITED→ 00505497 · est 1952 · no financials extracted | — | — | — | — | 74y | — | — |
| ACTIVE MANAGEMENT CENTRE LTD→ 16985622 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2023-01-19
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
3 Belvedere Court
Pinner Road
Watford
WD19 4FB
England
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-01-07
Last: 2025-12-24
Officers (2 active · 0 resigned)
SHAH, Kirit Kumar→
Activedirector · ~76y · appointed 2024-01-22
View their other companies + combined net worth →
SHAH, Niraj Kirit Govindji→
Activedirector · ~46y · appointed 2023-01-19
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (16 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-28
certificate-change-of-name-company
change-of-name · CERTNM
2025-12-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-28
certificate-change-of-name-company
change-of-name · CERTNM
2024-06-16
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-02-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-02-02
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-01
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-02-01
appoint-person-director-company-with-name-date
officers · AP01
2024-01-23
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-02-02
change-person-director-company-with-change-date
officers · CH01
2023-02-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-02-02