KYLE FINANCE LIMITED
Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (68/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 38.8y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 38.8 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £111.8k | £109.2k |
| Current assets | £125.8k | £112.3k |
| Cash | £8.3k | £10.4k |
| Debtors | £117.5k | £101.9k |
| Net assets | £111.8k | £109.2k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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
- • 1 accounts
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (21 events)Click to expand
- 2026-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-03-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-06-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-03-31📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2016-01-27📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-01-27📄change-person-director-company-with-change-dateofficers · CH01
- 2015-09-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-06-30➖STEVEN, Alan Mclean Donald resignedsecretary
- 2015-06-30➖STEVEN, Alan Mclean Donald resigneddirector
- 2015-06-17➕STEVEN, Paul Kenneth appointeddirector
- 1993-01-29➖STEVEN, Arthur resigneddirector
- 1987-07-09🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1985-10-22🏢Company incorporatedAs KYLE FINANCE LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 76 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 41 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanGroup structure
Acr Epos Systems Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Acr Epos Systems Limited Corporate entity | 75–100% | — | 75-100% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| LINKUP MORTGAGE LTD→ SC867187 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| LURABUS→ SC680836 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| MARWAHA INVESTMENTS LTD→ SC691673 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| MAVEN CAPITAL CARDIFF TRUSTEE LIMITED→ SC502023 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| MAVEN CAPITAL GCM LIMITED→ SC446214 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| MAVEN IFS EQUITY GP LIMITED→ SC777479 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| MAVEN MEIF II ESEM DEBT GP LTD→ SC792907 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| MAVEN NOMINEE LIMITED→ SC374366 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| MAVEN NPIF II NE EQUITY GP LIMITED→ SC793279 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| MAVEN PROPERTY CARRIED INTEREST LIMITED→ SC787806 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| MAVEN PROPERTY INVESTMENTS LIMITED→ SC299736 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| MAVEN SLF FP LIMITED→ SC391763 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
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 →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
Registered office
Filing status
Officers (2 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 09/07/1987 | — |