ADVANCE COMMERCIAL FINANCE (UK) LTD
🌿Early-stageactive
15067912 · ltd · incorporated 2023-08-13
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 Aug 2024
Net worth
—
book net assets
Opportunity
56/100
Worth a look
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
- 70221Financial management
- 82990Other business support service activities n.e.c.
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 56/100 (worth a look), bankability 50/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: strategic trade sale (40/100).
Data confidence
Overall: medium (69/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (2 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
Network not yet resolved
30
Filing history
32 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
56/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
45
Concerning — overdue filings or status flags present.
Acquirability
50
Some acquirability indicators.
Risk profile
56
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-08-31 |
|---|
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
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2025-11-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-19📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-11-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-11-06📍default-companies-house-service-address-applied-pscaddress · RP10
- 2025-11-06📍default-companies-house-service-address-applied-officeraddress · RP09
- 2025-11-06📍default-companies-house-service-address-applied-officeraddress · RP09
- 2025-11-06📍default-companies-house-registered-office-address-appliedaddress · RP05
- 2025-05-19✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-09-24✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-09-24✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-09-20➕POULTER, Phillip appointedsecretary
- 2024-09-20➕POULTER, Phillip appointeddirector
- 2024-09-20➖THORNTON, Nuala Martine resigneddirector
- 2024-09-20✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-09-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-09-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-09-20📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-09-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-09-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-09-11📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-09-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-08-13➕THORNTON, Nuala Martine appointeddirector
- 2024-08-13➖VALAITIS, Peter resigneddirector
- 2023-08-13🏢Company incorporatedAs ADVANCE COMMERCIAL FINANCE (UK) LTD
- 2023-08-13➕VALAITIS, Peter appointeddirector
Owner dependency
80/100
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
- +Sole director: Only one active director — all governance concentrated on one person.
- +Young company: Only 2.8 years old — management layer unlikely to be developed.
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 med · 1 lowAccounts overdue
highStatutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2026-05-31
Name changed 4 times
mediumName changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-05-19: certificate-change-of-name-company; 2024-09-24: certificate-change-of-name-company
Multiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Phillip Poulter Individual · British · DOB 10/1977 · age 49 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 20/09/2024 |
3 historic (ceased) PSCs
- Mrs Nuala Martine Thorntonceased 20/09/2024· significant influence
- Cfs Secretaries Limitedceased 20/09/2024· 75-100% shares · 75-100% voting · board control
- Mr Peter Valaitisceased 13/08/2024· 75-100% shares · 75-100% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
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|---|---|---|---|---|---|---|---|
| 24X7 VISTA SOLUTIONS LTD→ 16362786 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| A & B PARTNERSHIP LIMITED→ 06675909 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| A.E.KOOLE BEHEER LIMITED→ 05875513 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| A2B FINANCIAL SOLUTIONS LIMITED→ 11607552 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ADAM CLARKE LTD→ 09366900 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| AGENTS OF TIME- FINANCIAL PLANNING LTD→ 12337687 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AH MORTGAGE CO LIMITED→ 17109616 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AHYAN CAPITAL LIMITED→ 10758966 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| AI COMMODITIES EXCHANGE LTD→ 16837514 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AISLING SHEEDY LTD→ 14485737 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AJAY RAJEEV LTD→ 16518259 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AL SUHOOL AL MUZDAHIRA AL JADEEDA FOR INVESTMENT LTD→ 16920101 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
10 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
Incorporated2023-08-13
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
ADVANCE COMMERCIAL FINANCE (UK) LTD
Dept 5994 43 Owston Road Carcroft
Doncaster
DN6 8DA
Filing status
Accounts
Next due: 2026-05-31OVERDUE
Last made up to: 2024-08-31
Confirmation statement
Next due: 2027-05-13
Last: 2026-04-29
Officers (2 active · 2 resigned)
Active
POULTER, Phillip→
Activedirector · ~49y · appointed 2024-09-20
View their other companies + combined net worth →
THORNTON, Nuala Martine→
Resigneddirector · ~59y · appointed 2024-08-13 · resigned 2024-09-20
VALAITIS, Peter→
Resigneddirector · ~76y · appointed 2023-08-13 · resigned 2024-08-13
Click a director name to see their full track record across all companies.
Recent filings (32 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-30
change-person-director-company-with-change-date
officers · CH01
2025-11-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-19
change-person-secretary-company-with-change-date
officers · CH03
2025-11-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-11-19
default-companies-house-service-address-applied-psc
address · RP10
2025-11-06
default-companies-house-service-address-applied-officer
address · RP09
2025-11-06
default-companies-house-service-address-applied-officer
address · RP09
2025-11-06
default-companies-house-registered-office-address-applied
address · RP05
2025-11-06
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-19
certificate-change-of-name-company
change-of-name · CERTNM
2025-05-19
certificate-change-of-name-company
change-of-name · CERTNM
2024-09-24
certificate-change-of-name-company
change-of-name · CERTNM
2024-09-24
certificate-change-of-name-company
change-of-name · CERTNM
2024-09-20
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-20