ADVANCED INHERITANCE LIMITED
🌿Early-stageactive
14906733 · ltd · incorporated 2023-05-31
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 Dec 2024
Net worth
£-131.1k
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 76/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 1.0y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 1.0 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (83/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
7 officers (7 active, 7 linked, 6 with DOB)
87
Ownership & PSC
0 active PSC(s) of 2 total, 2 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
36 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
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
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £131,081
Cash YoY
+16897%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£723k
↑ 16897% YoY
Net Worth
-£131k
↓ 1227% YoY
Current Assets
£1.1m
↑ 24408% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £1.16M | £-9.9k |
| Current assets | £1.14M | £4.7k |
| Cash | £723.1k | £4.3k |
| Debtors | £420.0k | £410 |
| Net assets | £-131.1k | £-9.9k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
3
filings
- • 3 officers
Last 180 days
3
filings
- • 3 officers
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2026-02-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-26➕LOY, George William Renwick appointeddirector
- 2026-02-26➕NEAVE, Christopher Gage appointeddirector
- 2026-02-26➕WARHURST, Simon appointeddirector
- 2025-09-10📄capital-allotment-sharescapital · SH01
- 2025-09-09📄capital-allotment-sharescapital · SH01
- 2025-09-03📄capital-allotment-sharescapital · SH01
- 2025-09-02📄resolutionresolution · RESOLUTIONS
- 2025-07-10📄change-person-director-company-with-change-dateofficers · CH01
- 2025-06-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-06📄change-person-director-company-with-change-dateofficers · CH01
- 2025-06-06📄change-person-director-company-with-change-dateofficers · CH01
- 2025-04-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-28🔒Charge registered #1Lender: Bci Capital Limited (As Security Trustee for the Secured Parties)
- 2025-02-28📄resolutionresolution · RESOLUTIONS
- 2025-02-28📄memorandum-articlesincorporation · MA
- 2024-12-12📄capital-alter-shares-subdivisioncapital · SH02
- 2024-12-02📄notification-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC08
- 2024-12-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-11-29📄resolutionresolution · RESOLUTIONS
- 2024-11-28📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-11-18📄capital-allotment-sharescapital · SH01
- 2024-09-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-10-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-10-16➕OTTERBURN, Daniel Henry appointeddirector
- 2023-08-28➕BAINES, Daniel John appointeddirector
- 2023-05-31🏢Company incorporatedAs ADVANCED INHERITANCE LIMITED
- 2023-05-31➕LOY, Timothy John appointedsecretary
- 2023-05-31➕LOY, Timothy John appointeddirector
Owner dependency
53/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
- +Young company: Only 2.9 years old — management layer unlikely to be developed.
Succession & seller-readiness
50/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
🔒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 · YO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ABERDEEN ENTERPRISE FINANCE LIMITED→ 06662401 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| AEF (MALTON) LIMITED→ 07637323 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ALEGRA STRATEGIC LIMITED→ 12386188 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ALTIUS IFA LIMITED→ 16310462 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AMDINE LTD→ 08820148 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ANDERSON BROWN (WHITBY) LTD→ 04302436 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| ANOTHER LANE EN LIMITED→ 07711707 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ANYWAY VENTURES LIMITED→ 16318119 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| APH INVESTMENT COMPANY LIMITED→ 16206936 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| APPLETREE COMMERCIAL FINANCE LIMITED→ 11214060 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| ARCHETYPE FINANCIAL SERVICES LTD→ 11116546 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ARDENT IFA LIMITED→ 06014584 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
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
Incorporated2023-05-31
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Registered office
Independence House Millfield Lane
Nether Poppleton
York
YO26 6PH
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-06-13
Last: 2025-05-30
Officers (7 active · 0 resigned)
Active
BAINES, Daniel John→
Activedirector · ~47y · appointed 2023-08-28
View their other companies + combined net worth →
LOY, George William Renwick→
Activedirector · ~32y · appointed 2026-02-26
View their other companies + combined net worth →
LOY, Timothy John→
Activedirector · ~61y · appointed 2023-05-31
View their other companies + combined net worth →
NEAVE, Christopher Gage→
Activedirector · ~64y · appointed 2026-02-26
View their other companies + combined net worth →
OTTERBURN, Daniel Henry→
Activedirector · ~50y · appointed 2023-10-16
View their other companies + combined net worth →
WARHURST, Simon→
Activedirector · ~47y · appointed 2026-02-26
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Bci Capital (As Security Trustee for the Secured Parties) Bci Capital Limited (As Security Trustee for the Secured Parties) | A registered charge | — | 28/04/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (36 total)
appoint-person-director-company-with-name-date
officers · AP01
2026-02-27
appoint-person-director-company-with-name-date
officers · AP01
2026-02-27
appoint-person-director-company-with-name-date
officers · AP01
2026-02-27
capital-allotment-shares
capital · SH01
2025-09-10
capital-allotment-shares
capital · SH01
2025-09-09
capital-allotment-shares
capital · SH01
2025-09-03
resolution
resolution · RESOLUTIONS
2025-09-02
change-person-director-company-with-change-date
officers · CH01
2025-07-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-23
change-person-director-company-with-change-date
officers · CH01
2025-06-06
change-person-director-company-with-change-date
officers · CH01
2025-06-06
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-29
resolution
resolution · RESOLUTIONS
2025-02-28
memorandum-articles
incorporation · MA
2025-02-28