1ST CHOICE VEHICLE FINANCE LIMITED

🌳Matureactive
06609099 · ltd · incorporated 2008-06-03
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 71-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 71). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

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
Confirmed no charges registered
85
Directors & officers
7 officers (2 active, 7 linked, 4 with DOB)
81
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
58 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
1
filing
  • • 1 address
Last 90 days
1
filing
  • • 1 address
Last 180 days
5
filings
  • • 2 accounts
  • • 2 other
  • • 1 address
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2026-03-31
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2026-01-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2026-01-13
    📄
    legacy
    accounts · PARENT_ACC
  4. 2026-01-13
    📄
    legacy
    other · GUARANTEE2
  5. 2026-01-13
    📄
    legacy
    other · AGREEMENT2
  6. 2024-09-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-01-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2024-01-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2024-01-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2024-01-03
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  11. 2024-01-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2024-01-03
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  13. 2024-01-03
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  14. 2024-01-03
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  15. 2024-01-02
    ➕
    CHAPMAN, Neil Spencer appointed
    director
  16. 2024-01-02
    ➕
    PEMBERTON, Vincent Alex appointed
    director
  17. 2024-01-02
    ➖
    COLE, Neill resigned
    secretary
  18. 2024-01-02
    ➖
    COLE, Neill resigned
    director
  19. 2023-07-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2022-10-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2021-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2020-07-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2019-06-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2011-05-13
    ➖
    KINMAN, Mark resigned
    director
  25. 2008-06-03
    🏢
    Company incorporated
    As 1ST CHOICE VEHICLE FINANCE LIMITED
  26. 2008-06-03
    ➕
    COLE, Neill appointed
    secretary
  27. 2008-06-03
    ➕
    TEMPLE SECRETARIES LIMITED appointed
    corporate-secretary
  28. 2008-06-03
    ➖
    TEMPLE SECRETARIES LIMITED resigned
    corporate-secretary
  29. 2008-06-03
    ➕
    COLE, Neill appointed
    director
  30. 2008-06-03
    ➕
    KINMAN, Mark appointed
    director
  31. 2008-06-03
    ➕
    COMPANY DIRECTORS LIMITED appointed
    corporate-director
  32. 2008-06-03
    ➖
    COMPANY DIRECTORS LIMITED resigned
    corporate-director

Owner dependency

73/100
High — earn-out structure required

Material 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.
  • +Founder age: Director aged approximately 71 — succession pressure is live.

Succession & seller-readiness

66/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Rivervale Cars Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Rivervale Cars Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
1ST CHOICE VEHICLE FINANCE LIMITED
This company · 06609099

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%
NameSharesVoting rightsNature of controlNotified
Rivervale Cars Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control02/01/2024
2 historic (ceased) PSCs
  • Mr Neill Coleceased 02/01/2024· 25-50% shares
  • Mrs Amanda Coleceased 02/01/2024· 25-50% shares

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

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
Incorporated2008-06-03
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Unit A1-A3 Dolphin Enterprise Centre
Evershed Way
Shoreham By Sea
West Sussex
BN43 6QB
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-06-17
Last: 2025-06-03

Officers (2 active · 5 resigned)

CHAPMAN, Neil Spencer→
director · ~71y · appointed 2024-01-02
View their other companies + combined net worth →
Active
PEMBERTON, Vincent Alex→
director · ~60y · appointed 2024-01-02
View their other companies + combined net worth →
Active
COLE, Neill→
secretary · appointed 2008-06-03 · resigned 2024-01-02
Resigned
TEMPLE SECRETARIES LIMITED→
corporate-secretary · appointed 2008-06-03 · resigned 2008-06-03
Resigned
COLE, Neill→
director · ~54y · appointed 2008-06-03 · resigned 2024-01-02
Resigned
KINMAN, Mark→
director · ~48y · appointed 2008-06-03 · resigned 2011-05-13
Resigned
COMPANY DIRECTORS LIMITED→
corporate-director · appointed 2008-06-03 · resigned 2008-06-03
Resigned

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

Recent filings (58 total)

change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-03-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-13
legacy
accounts · PARENT_ACC
2026-01-13
legacy
other · GUARANTEE2
2026-01-13
legacy
other · AGREEMENT2
2026-01-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-26
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-03
appoint-person-director-company-with-name-date
officers · AP01
2024-01-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-01-03
termination-director-company-with-name-termination-date
officers · TM01
2024-01-03
termination-secretary-company-with-name-termination-date
officers · TM02
2024-01-03
appoint-person-director-company-with-name-date
officers · AP01
2024-01-03
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-01-03
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-01-03