ASPIRE LENDING (2) LIMITED
🌱Startupactive
16118751 · ltd · incorporated 2024-12-04
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
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 77/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 1.4y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 1.4 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (59/100)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
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
9 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (14 events)Click to expand
- 2025-02-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-12🔒Charge registered #1Lender: Michael Mclernon
- 2025-01-24➕DELGADO, Elizabeth appointeddirector
- 2025-01-24➖FOO, Steven Christopher resigneddirector
- 2025-01-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-01-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-01-21📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-01-08➕O'BRIEN, Matthew James appointedsecretary
- 2024-12-04🏢Company incorporatedAs ASPIRE LENDING (2) LIMITED
- 2024-12-04➕RIGLER, Adam David appointeddirector
- 2024-12-04➕FOO, Steven Christopher appointeddirector
- 2024-12-04📄incorporation-companyincorporation · NEWINC
Owner dependency
71/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
- +Young company: Only 1.5 years old — management layer unlikely to be developed.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- 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.)
Group structure
Aspire Lending Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Aspire Lending Limited
Corporate parent · holds 75-100% shares
⬇
ASPIRE LENDING (2) LIMITED
This company · 16118751
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Aspire Lending Limited Corporate entity | 75–100% | — | 75-100% shares | 06/01/2025 |
1 historic (ceased) PSC
- Aspire Commerce Group Limitedceased 06/01/2025· 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.
🔒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 · CH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 4MM LTD→ 07783098 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| A MOVE BROKERS LTD→ 10430934 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ACCURO UNDERWRITING LTD→ 04118067 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| ACTURA CAPITAL LTD→ 16978857 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AINSWORTH MORTGAGES LIMITED→ 05360031 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| AIR WATER INVESTMENTS LIMITED→ 13124190 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ANDREW HAXTON & CO LIMITED→ 05811916 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| ASGUARD SECURITY GROUP LTD→ 15974439 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ASPIRE LENDING (1) LIMITED→ 16118658 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ASPIRE LENDING (3) LIMITED→ 16213408 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ASPIRE LENDING (4) LIMITED→ 16213653 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ASPIRE LENDING (5) LIMITED→ 17016757 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2024-12-04
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
24 Nicholas Street
Chester
CH1 2AU
United Kingdom
Filing status
Accounts
Next due: 2026-09-04
Last made up to: —
Confirmation statement
Next due: 2027-02-05
Last: 2026-01-22
Officers (3 active · 1 resigned)
O'BRIEN, Matthew James→
Activesecretary · appointed 2025-01-08
View their other companies + combined net worth →
DELGADO, Elizabeth→
Activedirector · ~55y · appointed 2025-01-24
View their other companies + combined net worth →
RIGLER, Adam David→
Activedirector · ~60y · appointed 2024-12-04
View their other companies + combined net worth →
FOO, Steven Christopher→
Resigneddirector · ~53y · appointed 2024-12-04 · resigned 2025-01-24
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 | Michael Mclernon | A registered charge | — | 12/02/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (9 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-12
termination-director-company-with-name-termination-date
officers · TM01
2025-01-24
appoint-person-director-company-with-name-date
officers · AP01
2025-01-24
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-22
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-01-22
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-01-22
appoint-person-secretary-company-with-name-date
officers · AP03
2025-01-21
incorporation-company
incorporation · NEWINC
2024-12-04