BINNINGTON FINANCE LIMITED

🌱Startupactive
15964372 · ltd · incorporated 2024-09-18
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
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Turnover
year to Sept 2025
Net worth
£444
book net assets
Opportunity
66/100
Strong
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle. Reasonable fundamentals — worth a memo before deciding.

Opportunity 66/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: medium (71/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
7 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
66/100Strong
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
74
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £444

Key financials

1 year extracted from filed iXBRL accounts
Cash
£9k
Net Worth
£444
Current Assets
Current Liabilities

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-30
Total assets£444
Cash£8.7k
Net assets£444

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
1
filing
  • 1 accounts
Last 180 days
2
filings
  • 1 accounts
  • 1 change-of-name
Counts from Companies House filing history.
Corporate timeline (8 events)Click to expand
  1. 2026-04-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-12-18
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  3. 2025-07-22
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2025-01-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2025-01-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2024-09-18
    🏢
    Company incorporated
    As BINNINGTON FINANCE LIMITED
  7. 2024-09-18
    BINNINGTON, George appointed
    director
  8. 2024-09-18
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

95/100
Critical — business is the founder

The 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.
  • +Founder name in company name: Company name contains director surname "BINNINGTON" — strong identity link between founder and business.
  • +Young company: Only 1.7 years old — management layer unlikely to be developed.

Succession & seller-readiness

45/100
Moderate signal

Some 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 med · 1 low
Name changed recently
medium

Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.

Evidence: 2025-12-18: certificate-change-of-name-company

Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr George Binnington
Individual · British · DOB 06/1997 · age 29
75100%
75–100%board control75-100% shares · 75-100% voting · board control18/09/2024

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 →

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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.

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Company details

Statusactive
Typeltd
Incorporated2024-09-18
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

2a Acomb Court Front Street
Acomb
York
YO24 3BJ
England

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-10-01
Last: 2025-09-17

Officers (1 active · 0 resigned)

BINNINGTON, George
director · ~29y · appointed 2024-09-18
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Recent filings (7 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-14
certificate-change-of-name-company
change-of-name · CERTNM
2025-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-01-03
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-01-03
incorporation-company
incorporation · NEWINC
2024-09-18