ACTIVATE BUSINESS FINANCE LIMITED
🌿Early-stageactive
14906869 · 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 May 2025
Net worth
£-149.0k
book net assets
Opportunity
70/100
Strong
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 70/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (76/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
17 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 declaredNegative net assets
Liabilities exceed assets by £148,973
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
-£149k
↓ 25% YoY
Current Assets
£5k
↓ 72% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £-149.0k | £-118.9k |
| Current assets | £5.4k | £19.4k |
| Cash | — | £12.5k |
| Debtors | £5.4k | £7.0k |
| Net assets | £-149.0k | £-118.9k |
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
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2026-02-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-29📄capital-name-of-class-of-sharescapital · SH08
- 2025-01-27📄memorandum-articlesincorporation · MA
- 2025-01-24📄resolutionresolution · RESOLUTIONS
- 2024-11-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-10-19📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-10-19📄change-person-director-company-with-change-dateofficers · CH01
- 2023-10-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-10-10📄resolutionresolution · RESOLUTIONS
- 2023-10-09➕COOMBER, Lydia Marie appointeddirector
- 2023-10-06📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2023-10-06📄capital-name-of-class-of-sharescapital · SH08
- 2023-10-06📄memorandum-articlesincorporation · MA
- 2023-07-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-05-31🏢Company incorporatedAs ACTIVATE BUSINESS FINANCE LIMITED
- 2023-05-31➕DURKAN, Gregory Mark appointedsecretary
- 2023-05-31➕DURKAN, Gregory Mark appointeddirector
- 2023-05-31📄incorporation-companyincorporation · NEWINC
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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Gregory Mark Durkan Individual · British · DOB 12/1978 · age 48 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 31/05/2023 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| ABSOLUTE BUSINESS FINANCE UK LTD→ 12046789 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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| ACORN COMMERCIAL LOANS LIMITED→ 13560956 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ACRES COVER LIMITED→ 14651352 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ACRES INSURANCE BROKERS LTD→ 11376968 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACRES SOUTH LTD→ 12023917 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ACRITY INVESTMENTS LIMITED→ 15062785 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ACTNOW MORTGAGES LTD→ 13339748 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ADAMS & ASSOCIATES LTD→ 05182349 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
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 SIC64999 — Financial intermediation not elsewhere classified
Registered office
4 Pavilion Court
600 Pavilion Drive
Northampton
NN4 7SL
England
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-06-13
Last: 2025-05-30
Officers (3 active · 0 resigned)
DURKAN, Gregory Mark→
Activesecretary · appointed 2023-05-31
View their other companies + combined net worth →
COOMBER, Lydia Marie→
Activedirector · ~44y · appointed 2023-10-09
View their other companies + combined net worth →
DURKAN, Gregory Mark→
Activedirector · ~48y · appointed 2023-05-31
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (17 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-04
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-04
capital-name-of-class-of-shares
capital · SH08
2025-01-29
memorandum-articles
incorporation · MA
2025-01-27
resolution
resolution · RESOLUTIONS
2025-01-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-07
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-10-19
change-person-secretary-company-with-change-date
officers · CH03
2023-10-19
change-person-director-company-with-change-date
officers · CH01
2023-10-19
appoint-person-director-company-with-name-date
officers · AP01
2023-10-19
resolution
resolution · RESOLUTIONS
2023-10-10
capital-variation-of-rights-attached-to-shares
capital · SH10
2023-10-06
capital-name-of-class-of-shares
capital · SH08
2023-10-06
memorandum-articles
incorporation · MA
2023-10-06