LOANGUARD LIMITED
🌳Matureactive
01468061 · ltd · incorporated 1979-12-20
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 39.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Other specialised construction activities n.e.c.
Sector: Construction
Investor take
PursueActive trading company with a 60-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (60/100, director aged 60). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
8 live charges · oldest 39.0y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 39.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 23/100 — clean.
Data confidence
Overall: medium (58/100)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
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
14 officers (7 active, 14 linked, 11 with DOB)
86
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
150 filings on record
85
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
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
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
3
filings
- • 2 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (54 events)Click to expand
- 2026-01-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-28🔓Charge satisfied #8
- 2026-01-28🔓Charge satisfied #7
- 2025-12-10📄accounts-with-accounts-type-fullaccounts · AA
- 2025-04-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-04-01➕ALLMARK, Ryan appointeddirector
- 2025-01-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-01➕KUMAR, Naresh appointeddirector
- 2024-12-31➖BACKHOUSE, Paul Simon resigneddirector
- 2024-12-27📄accounts-with-accounts-type-fullaccounts · AA
- 2024-05-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-05-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-05-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-05-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-30➕BAXTER, Michael appointeddirector
- 2024-04-30➕HALL, Simon appointeddirector
- 2024-04-30➕WEBSTER, Lee Trevor appointeddirector
- 2024-04-30➖GUNNINGHAM, Robert William resigneddirector
- 2024-04-30➖OATES, Martin John resigneddirector
- 2024-04-30➖SOLEIL, Mark Boyd resigneddirector
- 2024-01-10📄accounts-with-accounts-type-fullaccounts · AA
- 2023-01-03📄accounts-with-accounts-type-fullaccounts · AA
- 2021-12-20📄accounts-with-accounts-type-fullaccounts · AA
- 2021-04-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2021-04-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-01-13📄accounts-with-accounts-type-fullaccounts · AA
- 2013-04-05➕BACKHOUSE, Paul Simon appointeddirector
- 2013-04-05➕GUNNINGHAM, Robert William appointeddirector
- 2007-10-16🔓Charge satisfied #6
- 2007-10-16🔓Charge satisfied #5
- 2007-10-16🔓Charge satisfied #4
- 2007-10-16🔓Charge satisfied #3
- 2007-10-16🔓Charge satisfied #2
- 2006-08-17🔒Charge registered #8Lender: Barclays Bank PLC
- 2006-03-29➖PERKINS, William Francis resigneddirector
- 2006-02-01➕SOLEIL, Mark Boyd appointeddirector
- 2004-09-20🔒Charge registered #7Lender: Barclays Bank PLC
- 2003-12-24➕OATES, Martin John appointeddirector
- 2002-04-08➕PERKINS, Joanne appointedsecretary
- 2002-04-08➖PERKINS, William John, Mr. resignedsecretary
- 2002-01-11🔒Charge registered #6Lender: Barclays Bank PLC
- 2002-01-01➖PERKINS, Deidre Ann resignedsecretary
- 2002-01-01➕PERKINS, William John, Mr. appointedsecretary
- 2000-02-04🔒Charge registered #5Lender: Barclays Bank PLC
- 1998-03-18🔓Charge satisfied #1
- 1994-12-13🔒Charge registered #4Lender: Barclays Bank PLC
Showing most recent 50 of 54 events
Owner dependency
48/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
40/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Wjp Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Wjp Holdings Limited
Corporate parent · holds 75-100% shares
⬇
LOANGUARD LIMITED
This company · 01468061
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Wjp Holdings Limited Corporate entity | 75–100% | — | 75-100% shares | 06/04/2016 |
Mr William John Perkins Individual · British · DOB 10/1966 · age 60 | — | — | sig. influencesignificant influence | 06/04/2016 |
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.
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|---|---|---|---|---|---|---|---|
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated1979-12-20
Jurisdictionengland-wales
Primary SIC43999 — Other specialised construction activities n.e.c.
Registered office
Lancaster House
Wellington Crescent Fradley Park
Lichfield
Staffordshire
WS13 8RZ
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-14
Last: 2025-12-31
Officers (7 active · 7 resigned)
Active
ALLMARK, Ryan→
Activedirector · ~47y · appointed 2025-04-01
View their other companies + combined net worth →
BAXTER, Michael→
Activedirector · ~45y · appointed 2024-04-30
View their other companies + combined net worth →
Active
KUMAR, Naresh→
Activedirector · ~51y · appointed 2025-01-01
View their other companies + combined net worth →
Active
WEBSTER, Lee Trevor→
Activedirector · ~39y · appointed 2024-04-30
View their other companies + combined net worth →
PERKINS, Deidre Ann→
Resignedsecretary · resigned 2002-01-01
PERKINS, William John, Mr.→
Resignedsecretary · appointed 2002-01-01 · resigned 2002-04-08
BACKHOUSE, Paul Simon→
Resigneddirector · ~57y · appointed 2013-04-05 · resigned 2024-12-31
GUNNINGHAM, Robert William→
Resigneddirector · ~63y · appointed 2013-04-05 · resigned 2024-04-30
OATES, Martin John→
Resigneddirector · ~58y · appointed 2003-12-24 · resigned 2024-04-30
PERKINS, William Francis→
Resigneddirector · ~94y · resigned 2006-03-29
SOLEIL, Mark Boyd→
Resigneddirector · ~64y · appointed 2006-02-01 · resigned 2024-04-30
Click a director name to see their full track record across all companies.
Mortgages & charges
8
Total charges
0
Outstanding
0
Active lenders
Status:Lender:8 of 8 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Barclays Barclays Bank PLC | Deed of charge over credit balances | 1 property | 17/08/2006 | 28/01/2026 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 20/09/2004 | 28/01/2026 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 11/01/2002 | 16/10/2007 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 04/02/2000 | 16/10/2007 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 13/12/1994 | 16/10/2007 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 02/04/1990 | 16/10/2007 | |
| satisfied | Barclays Barclays Bank PLC | Letter of charge | 1 property | 16/05/1989 | 16/10/2007 | |
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 03/07/1987 | 18/03/1998 |
Recent filings (150 total)
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-28
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-03
accounts-with-accounts-type-full
accounts · AA
2025-12-10
appoint-person-director-company-with-name-date
officers · AP01
2025-04-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-07
termination-director-company-with-name-termination-date
officers · TM01
2025-01-07
appoint-person-director-company-with-name-date
officers · AP01
2025-01-07
accounts-with-accounts-type-full
accounts · AA
2024-12-27
appoint-person-director-company-with-name-date
officers · AP01
2024-05-14
appoint-person-director-company-with-name-date
officers · AP01
2024-05-13
appoint-person-director-company-with-name-date
officers · AP01
2024-05-13
termination-director-company-with-name-termination-date
officers · TM01
2024-05-13
termination-director-company-with-name-termination-date
officers · TM01
2024-05-13
termination-director-company-with-name-termination-date
officers · TM01
2024-05-13