SC
Sterling Capital Asset Finance Limited
ActiveLiveSterling Capital Asset Finance Limited is an active private limited company incorporated on 23 Aug 2004 (22 years ago), with its registered office in Bath, South West. The company operates in Financial services.
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The score, the reasons behind it, and what to do next.
Opportunity scoreOpportunity scoreHow good a fit this company is for what you sell, from 0 to 100. It adds up the signals listed beside it, each weighted by how much it matters to your type of business.CompaniesIQ lens modelConfidence highConfidenceHow much of the score rests on measured data. Below high means at least one signal is not public, so its weight was left out and the score rests on the rest.Share of model weight measured · 100%
68out of 100
Strong commercial fit
Active, reachable and in a growing market
LowModerateStrong
Score bandsLow is under 34, Moderate 34–66, Strong 67 and above. Signals we couldn't check are left out of the maths, not counted as zero.
Weakest point · what to do about it
Reachability · 20% weight
A registered office is on file; phone and web are checked on Pro.
→ Check: search the name and town before you call.
What we checked · weightSelect a row for why
Financial services formations up 7.4% a year nationally.
→ Ask: is trade up for them this year?
2 filings in the last 12 months; status active.
→ Ask: are they still actively trading from this address?
A registered office is on file; phone and web are checked on Pro.
→ Check: search the name and town before you call.
37,204 comparable companies in South West.
→ Ask: what makes customers choose them over rivals nearby?
Incorporated 22 yrs ago; scored against an 8-year maturity curve.
→ Ask: how long has the current owner run it?
Companies House · ONS · Nomis · General opportunity model · 100% of the model measurable
Filed accounts · enrichment
Financials
Stablefull accounts
Turnover—
Net worth£1.6m
+1%
Cash£749k
Employees5
From Sterling Capital Asset Finance Limited's filed accounts at Companies House, period ending 2025-09-30. Change vs the prior year (to 2024-09-30). As-filed figures — a signal, not an audited verdict. Dashes are not tagged in the accounts.
Key factsRegister & sector
Industry growthIndustry growthYearly change in the number of companies being formed in this sector across the UK. The South West rate is on the Market tab.Companies House · ONS+7.4%More demand each year
Annual filingAnnual filingThe confirmation statement — a yearly form confirming the company's details. Missing it is the most common reason companies get struck off.Companies House filing historyCurrentUp to date with Companies House
Company ageCompany ageTime since the company was registered. Across most sectors, survival odds improve sharply once a business is past its first five years.Companies House22 yrsPast the riskiest first five years
Local competitionLocal competitionHow many similar companies are registered in this region compared with elsewhere. Very high means a crowded local market.Companies House · ONSVery highMany rivals nearby
How it compares · against 37,204 similar companiesEach box is an index, 0–100 · select one
FinancialAn index from 0 to 100, not a measurement. Higher is healthier. Built from whether accounts are on file.
GrowthAn index from 0 to 100. Higher means the sector is forming new companies faster.
MarketAn index from 0 to 100. Higher means a stronger local market — sector survival rates and regional growth against national.
ComplianceAn index from 0 to 100. Higher means up to date with Companies House.
CompetitionCareful — higher means MORE competitors nearby, not better. An index from 0 to 100 of how crowded the regional market is.
Fit for youYour opportunity score for what you sell, shown here so you can compare it with the other five.
CompetitionRead this one the other way round: a high number means a crowded market, where differentiation matters more than timing.
What to do nextFor any seller
Step 1Keep this company on the radarYou'll hear when it files or its status changes.Add to a watchlist Step 2See how South West comparesRegional growth and density put this company in context.Open the market Step 3Build a list from 37,204 comparable companiesSame industry, same region.Open the sector
Answers: Is this a live, reachable business in a market worth being in?
Commercial fitStrong
68/100
StatusStatusThe company's status on the Companies House register.Active
AgeAgeTime since incorporation.22 yrs
Sector growthSector growthYearly change in company formations across the sector, UK-wide.+7.4%
Regional densityRegional densityHow many similar companies are in this area compared with the UK average.Very high
A balanced read. Pick the lens that matches what you sell and every number on this page re-weights.
Companies House · ONS
Filing statusOn schedule
255days to go
Accounts are next due 30 Jun 2027; the last set was made up to 30 Sept 2025.
What this means for you: Filings are up to date, which makes this an easier first conversation.
Set a filing alert Companies House
Commercial fit · evidence
What we checked · General opportunity weighting
100% measurable
Market growth
Financial services formations up 7.4% a year nationally.
Company activity
2 filings in the last 12 months; status active.
Reachability
A registered office is on file; phone and web are checked on Pro.
Competitive intensity
37,204 comparable companies in South West.
Company maturity
Incorporated 22 yrs ago; scored against an 8-year maturity curve.
Rows marked Not checked are excluded from the score rather than assumed — the missing weight shows up as lower confidence, not as a worse company.
Unlock source scanning Model · General opportunity
Commonly relevant to
Commonly offered to a company like this
These are sector norms, not detected needs. CompaniesIQ never asserts what a company requires — only what the register does and does not show.
Answers: is this market big, growing and survivable — and is the region ahead or behind?
Market summary · financial services
Sector size & momentum
Companies in sector412,300
National growth+7.4%
South West+7.8%
New registrations (last 4 quarters)36,971live · all 34 SIC codes in the sector
5-year survival47.2%
This sector is growing roughly in line with the national average in South West.
New companies per quarter
Companies House · every incorporation with a SIC code in this sector (34 codes)
Growth & survival
How long companies last here
1-year survival93.1%
3-year survival61.0%
5-year survival47.2%
Of every 100 companies started in this sector, roughly 47 are still trading five years later. This company is past that point.
View methodology ONS Business Demography (reference baseline) · sector baseline, not this company
Local economy · South West
The market around it
Population5,906,997
Employment rate79.0%
Economic activity81.8%
Median weekly pay£734.00
Compare regions ONS · Nomis
Trends & outlook
Where the sector is heading
Growth trajectorySteady growth — incorporations rising at a measured pace.
Regional concentrationModerately distributed; South West holds about 9% of UK activity.
Emerging locationsGrowth is more evenly spread across regions for this sector.
Sector momentumEstablished presence in the sector.
- 1South West is a very high-density market for financial services, with about 37,204 companies in the same industry.
- 2Formation is broadly in line with the national average (+7.8%).
- 3Around 3,156 new companies registered in this industry locally over the last year.
- 4Sector survival sits at 47% over five years — the benchmark for businesses in this classification.
View methodology Derived · ONS BPE sector growth + regional weighting
Answers: how crowded is this market, and where does this company sit against its peers?
Where this company sits · quick peer score for any seller
Score distribution
24 closest comparables
00–20
021–30
031–40
041–50
051–60
161–70
171–80
22 + this one81+
A quick score from register status and company age only, because that is all the peer list carries. To compare like with like, this company is placed on the same quick score (100) — not the full 68/100 at the top of the page. Treat it as a position, not a ranking.
Closest comparables · 37,204 in South West · 3,156 new in 12m
Peer companies
| Company | Incorporated | Location | Overall signal | Quick score |
|---|---|---|---|---|
| Peter Appleton Venture Limited 09733063 · SIC 62020 | 14 Aug 2015 | South West | Active | 100 |
| Stepex Lender Limited 11640058 · SIC 64921 | 24 Oct 2018 | South West | Active | 100 |
| Ultimate Business Finance Limited 08486872 · SIC 64921 | 12 Apr 2013 | South West | Active | 100 |
| Capital One (Europe) PLC 03879023 · SIC 64921 | 17 Nov 1999 | East Midlands | Active | 100 |
| Ipf Digital Group Limited 06032184 · SIC 64921 | 18 Dec 2006 | Yorkshire & the Humber | Active | 100 |
| Micro-E C.I.C. 07090390 · SIC 64301 | 30 Nov 2009 | East Midlands | Active | 100 |
| Carmoola Funding 2 Limited 15641838 · SIC 64921 | 13 Apr 2024 | London | Active | 69 |
| Vasave Financial Services LTD 14498598 · SIC 64921 | 22 Nov 2022 | South East | Active | 77 |
| Privilege Development Finance Limited 11363248 · SIC 64921 | 15 May 2018 | East of England | Active | 100 |
| Bos (Shared Appreciation Mortgages) No. 3 PLC 03331871 · SIC 64921 | 12 Mar 1997 | Yorkshire & the Humber | Active | 100 |
| UK Credit Limited 06929807 · SIC 64921 | 10 Jun 2009 | East of England | Active | 100 |
| United Capital Finance Limited 10017040 · SIC 64921 | 20 Feb 2016 | East of England | Active | 100 |
| G.L.M. Finance Limited 04752628 · SIC 64921 | 02 May 2003 | West Midlands | Active | 100 |
| Career Finance 4 Trade Skills Limited 06047066 · SIC 64921 | 10 Jan 2007 | North West | Active | 100 |
| Lomond Consumer Finance LTD 12030127 · SIC 64921 | 03 Jun 2019 | North West | Active | 96 |
| MJMT Limited 13412519 · SIC 64921 | 20 May 2021 | South East | Active | 86 |
| Onyt Limited 13646266 · SIC 64921 | 28 Sept 2021 | East of England | Active | 83 |
| Sunrise Global Brokers Limited 07467906 · SIC 64921 | 13 Dec 2010 | London | Active | 100 |
| S & J Mortgage Services LTD 12493855 · SIC 64921 | 03 Mar 2020 | East of England | Active | 92 |
| Ravspeed LTD 09442820 · SIC 64921 | 17 Feb 2015 | South East | Active | 100 |
| Arrow Global Receivables Management Limited 05875306 · SIC 64921 | 13 Jul 2006 | North West | Active | 100 |
| Estate Resolution Technologies (UK) LTD 13535908 · SIC 64921 | 28 Jul 2021 | North West | Active | 84 |
| Associated Premium Funding Limited 04771663 · SIC 64921 | 20 May 2003 | East of England | Active | 100 |
| Bibby Trade Services Limited 03530463 · SIC 64921 | 13 Mar 1998 | North West | Active | 100 |
Answers: what is formally on the public register — and what has not been filed yet?
Companies House · filing history
Timeline
- Confirmation statementConfirmation statement with no updates28 Aug 2026
- Accounts filedAccounts with accounts type total exemption full24 Jun 2026
- Confirmation statementConfirmation statement with no updates21 Aug 2025
- Accounts filedAccounts with accounts type total exemption full07 Apr 2025
- Confirmation statementConfirmation statement with no updates21 Aug 2024
- Accounts filedAccounts with accounts type total exemption full15 May 2024
- Confirmation statementConfirmation statement with no updates04 Sept 2023
- Charge registeredMortgage create with deed with charge number charge creation date11 Jul 2023
- Charge registeredMortgage create with deed with charge number charge creation date06 Apr 2023
- Accounts filedAccounts with accounts type total exemption full31 Jan 2023
Showing the 10 most recent of 25 filings. Upgrade for the complete history.
Register record
Company details
- Company
- Sterling Capital Asset Finance Limited
- Number
- 05212781
- Registered office
- Hanover House The Square, Lower Bristol Road, Bath, BA2 3BH
- Incorporated
- 23 Aug 2004
- Type
- Private limited company
- Nature of business
- 64921 — Financial services
- Status
- Active
- Region
- South West · England
- Accounts
- Next due 30 Jun 2027
- Confirmation statement
- Next due 04 Sept 2027
Shared directors
Connected companies
Other companies run by the same directors are checked on paid plans — each appointment is a separate register lookup.
People & control
Who runs and owns it
9
HV
23 Aug 2004
ActiveCF
01 Oct 2016
ActiveHV
14 Sept 2006
ActiveHW
23 Aug 2004
ActiveSI
23 Aug 2004
DissolvedHS
15 Sept 2004
DissolvedSCActive
MWDissolved
MVDissolved
A registered chargeoutstanding
- Created
- 30 Jun 2023
- Registered
- 11 Jul 2023
- Persons entitled
- Walbrook Asset Finance Limited
A registered chargeoutstanding
- Created
- 30 Mar 2023
- Registered
- 06 Apr 2023
- Persons entitled
- Cynergy Business Finance Limited
A registered chargeoutstanding
- Created
- 23 Aug 2022
- Registered
- 23 Aug 2022
- Persons entitled
- Conister Bank Limited
A registered chargeoutstanding
- Created
- 13 Jan 2022
- Registered
- 21 Jan 2022
- Persons entitled
- Walbrook Asset Finance Limited
A registered chargeoutstanding
- Created
- 28 Apr 2021
- Registered
- 30 Apr 2021
- Persons entitled
- Walbrook Asset Finance Limited
A registered chargeoutstanding
- Created
- 27 Apr 2021
- Registered
- 30 Apr 2021
- Persons entitled
- Walbrook Asset Finance Limited
A registered chargeoutstanding
- Created
- 06 Nov 2020
- Registered
- 26 Nov 2020
- Persons entitled
- Bank of London and the Middle East PLC
A registered chargeoutstanding
- Created
- 20 Feb 2020
- Registered
- 21 Feb 2020
- Persons entitled
- Walbrook Asset Finance Limited
A registered chargeoutstanding
- Created
- 18 Feb 2020
- Registered
- 20 Feb 2020
- Persons entitled
- Bank of London and the Middle East PLC
A registered chargeoutstanding
- Created
- 18 Feb 2020
- Registered
- 20 Feb 2020
- Persons entitled
- Bank of London and the Middle East PLC
A registered chargeoutstanding
- Created
- 21 Nov 2019
- Registered
- 22 Nov 2019
- Persons entitled
- Bank of London and the Middle East PLC
A registered chargeoutstanding
- Created
- 13 Jun 2019
- Registered
- 18 Jun 2019
- Persons entitled
- Bank of London and the Middle East PLC
A registered chargeoutstanding
- Created
- 20 May 2019
- Registered
- 21 May 2019
- Persons entitled
- Bank of London and the Middle East PLC
A registered chargeoutstanding
- Created
- 13 Feb 2018
- Registered
- 01 Mar 2018
- Persons entitled
- Investec Asset Finance PLC
A registered chargefully-satisfied
- Created
- 11 Dec 2017
- Registered
- 11 Dec 2017
- Persons entitled
- Hampshire Trust Bank PLC
A registered chargeoutstanding
- Created
- 05 Dec 2017
- Registered
- 06 Dec 2017
- Persons entitled
- Siemens Financial Services Limited
A registered chargeoutstanding
- Created
- 27 Mar 2017
- Registered
- 28 Mar 2017
- Persons entitled
- Investec Asset Finance PLC
Mortgage debenturefully-satisfied
- Created
- 04 Mar 2013
- Registered
- 06 Mar 2013
- Persons entitled
- Svenska Handelsbanken Ab (Publ)
Block discounting agreementfully-satisfied
- Created
- 25 Jan 2013
- Registered
- 26 Jan 2013
- Persons entitled
- Hitachi Capital (UK) PLC
Block discounting master agreementfully-satisfied
- Created
- 04 Apr 2012
- Registered
- 18 Apr 2012
- Persons entitled
- Aldermore Bank PLC (Purchaser)
Block discounting agreementfully-satisfied
- Created
- 22 Jan 2008
- Registered
- 24 Jan 2008
- Persons entitled
- Ing Lease (UK) Limited
CompaniesIQ presents evidence drawn from Companies House and ONS. Figures marked as modelled are derived from population and sector data. Scores are indicative, re-weight with the lens you choose, and are not financial, credit or legal advice.
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